One way to use your accounts receivable asset to gain access to working capital is to offer your invoices as collateral in small business financing. Whether you want to take out a term loan or another small business loan, offering collateral can help you get credit approval and secure higher borrowing amounts.nnIf you don't want to incur debt, you can also consider Accounts Receivables Factoring, also called invoice factoring. This form of near-term financing is essentially selling your invoices to a third-party company.