(727) 353-2577Find your best-fit funders

Get cash for your unpaid invoices.

Funders compete for your business. Compare before you commit.

See what factoring companies charge, side by side, in real dollars. Not just a teaser rate.

Under 30 seconds. No credit check. No obligation.

Rather talk first? Book a 15-min call

What you'll see: your options side by side, ranked by what matters most to you. Example: $120,000 a month in invoices, typical market ranges.

Funder AIf lowest monthly cost matters most
Cash upfront, up to
$96,000
Fee
$1,800 (1.5%)
You keep
$118,200
Other terms
$500 setup, $50k min.
Contract
12 months
Funder BIf you want more cash, a shorter term
Cash upfront, up to
$105,600
Fee
$2,700 (2.25%)
You keep
$117,300
Other terms
$250 setup, $15k min.
Contract
6 months
Funder CIf you want the most cash, no contract
Cash upfront, up to
$108,000
Fee
$3,600 (3%)
You keep
$116,400
Other terms
None
Contract
None
Ryan Abramovic
Ryan Abramovic, founderYou deal with Ryan from first call to funding. St. Petersburg, FL.
$0
Direct-to-funder pricingYou pay the same price as going straight to the funder. Our help is free.
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Independent. Not a lender.We work for you, not a funder. Every option on the table, and you pick.
  1. Answer 6 quick questionsUnder 30 seconds
  2. See estimated optionsInstantly, below
  3. Get real offers side by sideBy email. Pick one, or walk away
1

About your business

Six quick questions. Under 30 seconds.

What industry are you in?
$

A rough number is fine.

Who pays your invoices?
How long do your customers take to pay?
How long have you been in business?
Any current financing? Pick all that apply.
2

Where should we send your options?

Your estimate opens right below, instantly.

Free. No credit check. No obligation. Your info goes to Ryan only; we share your file with a funder only after you say yes.

Before you hit send

Does this affect my credit?

No. There's no credit check for the estimate. Funders may check credit later, with your permission, when they review your file.

Do I pay Fairgate anything?

No. You pay the same price as going straight to the funder. Our help is free.

Will my customers find out?

Not from this. If you factor later, most funders send your customers payment instructions. That's routine in many industries, and some funders offer quieter options.

What happens after I submit?

You see estimated options right away. Within one business day Ryan emails you the next step. Everything works by email or text; pick a call time only if you want one. No one else sees your info.

3

Your estimated options Typical market ranges

What matters most to you? Tap any to re-rank.

* Every option also carries standard terms: a reserve held back until your customer pays, plus exit and per-transfer fees that vary by funder. We walk you through each line item before you sign anything.

Already have an offer, or already factoring? See what it really costs in dollars, and whether you could do better. Check it →

Want to talk them through? Pick a time Optional

15 minutes, Mon–Fri 9am–5pm ET. Pick a time that suits you; Ryan confirms by email. He'll go over a few details, then bring real written offers from the funders that fit, side by side.

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Rather talk now? Call (727) 353-2577

Need cash sooner? Tell us your deadline →
Don't want a call? No problem. These are estimates based on typical market pricing, not offers; Ryan will email your next step within one business day. Or call (727) 353-2577.

Already have paperwork?

Got an invoice or an offer in hand?

See what an invoice would costSend one, we'll show you the numbers Send an offer to reviewUpload it, we'll walk you through it

Why Fairgate

Most factoring sites sell you one product. We show you the market.

Most factoring sitesFairgate
The price

"Call for a quote." Or a "rates as low as" number with an asterisk doing the heavy lifting.

Your estimated cost in dollars, before you talk to anyone.

Your choices

One company's product. Ask who's best for you and the answer is always "us."

Offers from several funders on one page, ranked by what matters to you.

Who you deal with

A salesperson to sign you up, then a new team once you're a client.

Ryan, from the first call through funding and after.

The fine print

Monthly minimums, auto-renewals and exit fees you discover after you sign.

Every fee and term in a funder's offer explained, line by line, before you sign.

When it's not a fit

They find a way to make their product fit.

We tell you straight, even if that means no deal.

Industries

Built for businesses that bill other businesses

If your customers pay in 30, 60 or 90 days but your payroll and bills don't wait, factoring can close the gap.

StaffingMake weekly payroll Home care & healthcareSlow payers, steady payroll TruckingFuel and drivers now ConstructionBridge progress billing ManufacturingFund the next order DistributionRestock without waiting Government contractorsNet-60 agencies Business servicesSmooth out lumpy months

Where we work

Now serving businesses in 41 states and DC

If your business is in a blue state, we can shop your invoices with funders today.

  • We work here
  • Not yet

Tap or hover a state to check.

Not in a blue state? Talk to Ryan and we'll let you know when that changes.

Where Fairgate worksFilled states are where we work today. Not yet: California, Connecticut, Illinois, Missouri, North Carolina, North Dakota, Texas, Vermont, Virginia.AlabamaAlaskaArizonaColoradoFloridaGeorgiaIndianaKansasMaineMassachusettsMinnesotaNew JerseyNorth CarolinaNorth DakotaOklahomaPennsylvaniaSouth DakotaTexasWyomingConnecticutMissouriWest VirginiaIllinoisNew MexicoArkansasCaliforniaDelawareDistrict of ColumbiaHawaiiIowaKentuckyMarylandMichiganMississippiMontanaNew HampshireNew YorkOhioOregonTennesseeUtahVirginiaWashingtonWisconsinNebraskaSouth CarolinaIdahoNevadaVermontLouisianaRhode IslandWashington, DC
Ryan Abramovic, founder of Fairgate Advisors

Talk to Ryan, not a call center

I've worked in finance since 2013 and in real estate development since 2020, so I've sat on both sides: the side that lends, and the owner waiting on money he's already earned. I've signed financing I later wished I'd understood better. There had to be an easier way: every option, every fee, nothing hidden, and you decide. That's Fairgate. Based in St. Petersburg, FL.

Book a 15-min call

Ready to see your numbers?

Under 30 seconds. Free, with no obligation.

Find your best-fit funders

Or book a 15-min call with Ryan.