When you’re a startup company, you might notice the cash balance in your checking account is getting low, and that money you tucked away in the reserve account is also tied up for future encumbrances. Instead of getting frustrated at your balance sheet, you can sell your invoices to a factor and get the cash you need asap. Because the finance company looks at your clients’ credit rather than yours, this is an easy way for startups to get the funding they need to beat cash flow gaps.