Guide Rock

Turn Unpaid Invoices into Working Capital

We're a relationship-based invoice financing partner, and ready to take your call

Bank-level Rates

as low as 0.55% per month

$5+ Billion

in working capital to SMBs

Rated Excellent

on Trustpilot Reviews

Direct Access to Top Funders. Better Outcomes.

We work directly with leadership teams at the most active funding providers. This enables faster structuring, smarter placement, and terms shaped by real decision-makers, not junior sales desks or generic rate sheets.

Responsive Comparison Table

		Traditional Factoring Platforms
Primary Focus	✓ Your goals, growth plans, and cash flow needs	❌ A single financing product
Flexibility	✓ Structured around your customers and receivables	❌ Limited to preset terms
Growth Support	✓ Capital that scales with receivables and demand	❌ Often capped or fixed
Balance Sheet Awareness	✓ Creative structuring, including off-balance-sheet financing where appropriate	❌ Limited to standard on-balance-sheet structures
Existing Credit Facilities	✓ Structured to align with covenants and carve-outs	❌ Little consideration to existing facilities
Speed	✓ Fast, but at your pace	❌ Slow or rigid timelines
Transparency	✓ Clear, plain-language explanation of economics	❌ Complex or unclear fee structures
Ongoing Support	✓ Ongoing guidance as your business evolves	❌ Transaction-only relationship

		Traditional Factoring Platforms
Primary Focus	✓ Your goals, growth plans, and cash flow needs	❌ A single financing product
Flexibility	✓ Structured around your customers and receivables	❌ Limited to preset terms
Growth Support	✓ Capital that scales with receivables and demand	❌ Often capped or fixed
Balance Sheet Awareness	✓ Creative structuring, including off-balance sheet financing	❌ Limited to standard on-balance-sheet structures
Existing Facilities	✓ Structured to align with covenants and carve-outs	❌ Little consideration to existing facilities
Speed	✓ Fast, but at your pace	❌ Slow or rigid timelines
Transparency	✓ Clear, plain-language explanation of economics	❌ Complex or unclear fee structures
Ongoing Support	✓ Ongoing guidance as your business evolves	❌ Transaction-only relationship

Funding options built to work for you

Invoice Factoring

Access an invoice factoring line that grows with your business

Factoring lines from $1M – $50M

Advance rate up to 95%

Rates as low as 0.55% per month

Asset-Based Lending (ABL)

Access a flexible revolving line secured by receivables

Credit facilities from $5M – $100M+

Flexible A/R collateral pool

Lower cost of capital vs. factoring

True Sale A/R Financing

Off-balance sheet financing using your receivables

Structured as a sale of A/R, not a loan

Strong liquidity against eligble A/R

Designed to coexist with sr credit facilities

Supply Chain Financing

Accelerate supplier payments while preserving buyer liquidity

Buyer-backed early payment

Off-supplier balanced sheet

Pricing based on buyer credit

See why business owners choose GuideRock

Bank relationships

Strategic banking relationships allows us to offer marketing leading financing rates as low as 0.55% per month

Direct access

Direct access to underwriters, ensuring a seamless process and personalized solutions to your business needs

Trusted advisor

Dedicated ongoing support ensuring transparency and efficiency throughout the process

What can you do with funding from GuideRock?

Enjoy the benefits of working directly with GuideRock. Our trusted advisors can help you secure tailored solutions, offering flexibility in terms, rate and repayment structure.

Our relationship-based approach

Understand your business and funding objectives.

Consult with our account executives to ensure we can deliver on a tailored solution designed to meet your requirements.

Get approved with direct access to underwriters.

Ensure a seamless process with quick and personalized responses throughout the entire relationship.

Dedicated ongoing support.

Ensure transparency and efficiency throughout the entire process.

Are we a match? Check our minimum requirements.

2+ Years

in business

>$5 Million

annual revenue

B2B

customer invoices

U.S.

Based

You've invested everything into your business - we're here to help it grow.

At GuideRock, our financing solutions are designed to scale with you. Whether you're planning ahead or need capital quickly, we move at your pace. No pressure. No hidden costs. Just the right fit, delivered when you need it.

Hear From Our Clients

Working with Mitch has been great! Very helpful and achieved everything we were looking for the business! I for sure recommend using him for all your business capital needs.

Tyler Defense Contractor

A Reliable and Transparent Partner From start to finish, the team at Guiderock made the entire process seamless. Mitch and his team took the time to understand my business needs and provided clear, upfront guidance every step of the way. Their expertise and professionalism gave me confidence, and I felt like I was working with true partners rather than just another service provider. Highly recommend for anyone looking for financing solutions with a personal touch!

Eric Manufacturing Services

Very good experience working with Mitch Latorre from Guiderock. From the beginning, Mitch has gone above and beyond to help our company secure the financing we needed. His dedication and commitment to our success were evident every step of the way. Mitch's transparency and professionalism truly set him apart. He kept us informed throughout the process, ensuring we understood every detail and felt confident in our decisions. His approach is a fantastic representation of the values at Guiderock, and it’s clear that he genuinely cares about his clients. I strongly recommend Mitch Latorre to anyone seeking financing solutions. We look forward to continuing our partnership and working with him again in the future!

AJ Security Services

Was looking for a $2.5m facility and GuideRock was very helpful in establishing a line that worked for my business and our growth aspirations. Very transparent throughout the process and smooth process overall. Thanks!

Chris Food & Beverage Distributor

I am incredibly impressed with the seamless service provided by GuideRock. Their unique approach, seemingly based on the team's shared background of growing up in small business households, gave a sense of teamwork and true transparency. Securing a substantial $500,000 invoice financing facility through them was a game-changer for our business's growth.

Maggie Education Services

More than happy to have found Guiderock as a partner. The guidance we received to navigate our constant struggle with cash flow and dealing with longer and longer net terms has been invaluable. If you’re looking for a trusted advisor you can count on beyond just some immediate liquidity, look no further than Guiderock!

Mark Construction Services

Evaluated a few factoring options and the Guiderock team helped at every step of the process. Extremely happy to have found an option that met my business goals and needs.

Lee Building Materials Manufacturer

Literally saved my business by working with me to find a feasible solution. Mitch is a highly effective communicator and extremely professional. I would strongly recommend this company and their services!

John Industrial Manufacturer

Mitch, Andrew, and Lewis were all helpful in making a process that is new to me (invoice factoring) very smooth and easy to understand. They are trustworthy and quick to respond.

Alex Software Services

This is the definition of world-class, white glove, done with/for you service. If I ever need any help with funding, Mitch will be my go-to guy going forward. 10/10 highly recommend.

David Education Services

Helpful and patient staff, they wanted to get the job done. Worked with us and were flexible given our circumstances. Felt like a relationship not a transaction.

Lu Environmental Services

Excellent

Based on 12 reviews

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We’re fluent in small business — and ready to take your call.

You don’t need to be an expert on small business loans. Our team is here to help you every step of the way.