Embedded Factoring

Boost Cash Flow & Liquidity

With real-time responses and zero fixed commitments,
Embedded Factoring makes cash flow management effortless—
for you and your users.

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99%
Satisfied Clients
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Why Choose Embedded Factoring?

Empower your business with integrated financing solutions that simplify cash flow management and drive growth.

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For Buyers:

Extend payment terms without straining supplier relationships.

For Suppliers:

Access early payments to unlock liquidity and stabilize cash flow.

Tailored Solutions with Seamless Integration

From invoice factoring to dynamic discounting, designed to fit your needs all solutions can be embedded directly into your operations for effortless scalability.

Discover the difference embedded lending can make.

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How we can improve your payments

At CIRQL M, we are committed to enhancing your payment experience with innovative features designed to make your financial transactions smoother, faster, and more secure.

Operational Efficiency

Streamline your financial workflows with advanced tools that eliminate manual processes and provide real-time data visibility. CIRQL M helps you reduce inefficiencies, optimize resources, and focus on what truly matters—your business growth.

Immediate Liquidity

Access up to 90% of your invoice value within 24–48 hours, empowering your business with instant cash flow. Avoid the hassle of long payment cycles and ensure seamless operations, even during times of financial uncertainty.

Risk-Free Security

Rely on CIRQL M’s robust credit assessments and secure platform to safeguard your transactions. With our advanced risk management features, you can confidently focus on expansion while we handle the complexities of buyer credit and payment security.

Flexible Terms

Customize payment plans that align with your unique business goals. Whether you’re scaling operations or managing fluctuating cash flow, CIRQL M's flexible solutions grow with your business to meet evolving demands.

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Choosing
CIRQL M means unlocking the capital
to scale, grow, and
stay ahead.
Let’s get started

Our clients are
at the heart
of everything
we do.

"CIRQL M has been a
game-changer for our
business. Their invoice
factoring services helped
us bridge the cash flow gap
and reinvest in growth without
taking on debt. I appreciate
their flexibility and speed—
our funds were available in
just 24 hours!"

Kimberly Walker

CEO  of Green Horizon Logistics  

"Our medical practice faced delays in Medicare reimbursements, but CIRQL M stepped in with their factoring solutions. They turned our receivables into immediate cash, allowing us to invest in new diagnostic equipment and enhance patient care. I’m impressed by their healthcare expertise and tailored support."

Dr. Emily Carter

Medical Director of Clearview Diagnostics

"Running a seasonal resort comes with cash flow challenges, but CIRQL M’s factoring solutions have been a lifesaver. They’ve helped us manage our supplier payments during the off-season, so we’re always ready for our guests. Their service is fast, reliable, and tailored to our needs."

James Walker

General Manager of Ocean Breeze Resort

"CIRQL M has been instrumental in helping us manage growth at our data center. Their factoring services provided the liquidity we needed to invest in new servers and expand our colocation facilities. The funding process was seamless, and their team understood our unique needs."

Andrew Collins

CTO of NextGen Data Solutions

"As a medical supply distributor, I often waited 90 days for payments, but CIRQL M reduced that to just 48 hours. Their early payment options allowed me to maintain inventory and meet demand without financial stress. They truly understand the healthcare industry’s unique challenges."

Linda Patel

CEO of MedSupply Solutions

Our achievements in numbers.

98%
Satisfaction Rating
30K+
Credit Approved
Buyers
24
Hour Approval
Turnaround
$50M
in Cash Unlocked
Last Year