Nationwide Funding Support Across Industries

Working Capital For Businesses That Run On Invoices

Alterna helps your B2B business get faster, more flexible access to working capital. No matter your industry, our funding solutions are built to help you unlock cash tied up in invoices and keep operations moving.

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Partnering With B2B Businesses Across Industries

Alterna supports businesses that sell to other businesses, invoice for payment, and need more reliable access to working capital.

Wholesale

Wholesale businesses need to purchase inventory and fulfill large orders long before customer payments arrive.

Invoice funding helps unlock cash tied up in invoices so businesses can restock, ship, and grow without disruption.

Read Our Wholesale Case Study ››
Manufacturing

Manufacturers fund raw materials, labor, and production before receiving payment from customers. 

Working capital ensures production lines stay active and demand is met without delay.

Read Our Manufacturing Case Study ››
Large Fleet Transportation

Transportation companies face the cost of diesel, maintenance, payroll, and routing while waiting on slow-paying customers. 

Accounts receivable financing helps keep fleets moving without cash flow interruptions.

Explore Our Case Studies ››
Retail

Retail businesses need fast access to inventory funding to keep shelves stocked and meet customer demand. 

Cash flow support helps prevent missed sales opportunities caused by delayed receivables.

Read Our Retail Case Study ››
Agriculture

Agriculture businesses need to cover seasonal labor, equipment, supplies, and distribution costs.

Accounts receivable financing helps unlock cash tied up in invoices so businesses can keep products moving and stay ahead of operating expenses.

Read Our Agriculture Case Study ››
Oil & Gas

Oil and gas businesses carry high upfront costs for field operations, equipment, and transportation.

Invoice funding helps businesses access working capital faster so active projects can keep moving without cash flow delays.

Read Our Oil & Gas Case Study ››
IT Services

IT services companies need to cover payroll, contractors, software costs, and project expenses.

Accounts receivable financing helps businesses maintain cash flow so they can support delivery teams and take on new client work with more confidence.

Read Our IT Services Case Study ››
Government Contracting

Government contractors manage long payment cycles while covering payroll and project costs upfront.

Working capital helps bridge the gap between completed work and payment so businesses can support active contracts and pursue new opportunities.

Explore Our Case Studies ››
Healthcare

Healthcare organizations need to manage payroll, vendor costs, and supplies while waiting on payments.

Accounts receivable financing helps improve cash flow so facilities can maintain operations without additional pressure.

Explore Our Case Studies ››

Struggling with Slow-Paying Customers and Cash Flow Gaps? We Can Help.

No matter the industry, businesses that rely on receivables face many of the same challenges: delayed customer payments, cash flow gaps, rising costs, and pressure to keep operations moving while waiting to get paid.

At Alterna, we work with businesses facing these realities every day, which means we understand what it takes to stay flexible, keep growing, and navigate the gap between delivering work and receiving payment.

Don’t wait 30, 60, or 90 days to get paid

Long payment cycles slow down reinvestment and create pressure. We help speed up that process.

Cover payroll and operating costs

You need to meet payroll, vendor, and operating obligations. We step in when invoices aren’t paid yet.

Fund inventory, materials, or production

Upfront costs have to be paid long before your customers settle up. We keep your production moving.

Take on growth, even with cash flow strain

Growth opportunities require capital before revenue is realized. We help you realize your potential.

Get more flexibility than traditional lenders

Rigid funding partners aren’t your only choice. Our funding is faster and more adaptable to fit your needs.

 Benefit from a receivables-focused partner

Explaining your business model drags out the process. Alterna already understands your invoice-driven operation.

If Delayed Payments Are Impacting Growth, You’re in the Right Place

If your business experiences cash flow gaps between invoicing and payment, we’re here to help. Alterna is built for B2B businesses that need more flexible access to working capital. We serve:

B2B Companies

Businesses that sell goods or services to other businesses

Invoice-Based Operations

Companies that invoice for payment or sell on credit terms rather than collecting at point of sale

Invoice-Based Operations

Companies that invoice for payment or sell on credit terms rather than collecting at point of sale

Growth-Focused Teams

Businesses looking to scale without waiting on receivables

Flexible Financing Needs

Companies frustrated by rigid bank lending processes

Evolving Funding Requirements

Businesses whose capital needs change with demand

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Flexible Financing Needs

Companies frustrated by rigid bank lending processes

Evolving Funding Requirements

Businesses whose capital needs change with demand

A Funding Partner Built For Long-Term Performance

You deserve relationship-driven service. We provide the credibility, scale, and backing needed to support your business through every stage of growth.

Credible Paychex Backing 

Backed by the strength and credibility of Paychex, Alterna gives you confidence in a stable, trusted partner.

Proven Staying Power

Alterna supports businesses at different stages, from growing companies to larger organizations with complex receivables needs.

Partnerships That Grow 
With You

Build a long-term relationship with us—
many of our clients stay for 2+ years as their needs evolve.

Nationwide, Across Industries

We work with your B2B business in transportation, manufacturing, wholesale, retail, and other invoice-driven sectors.

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“Exceptional Support”

Alterna has been instrumental in helping us manage our cash needs as a small business and provides exceptional support!”

Abby B.

SadieB Personal Care

Ready To Unlock Cash Tied Up In Invoices?

If your business needs faster, more flexible access to working capital, Alterna is ready to help.

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Frequently Asked Questions: Industry-Specific
Funding Solutions

Accounts receivable financing for transportation helps trucking, freight, and logistics companies maintain steady operations while waiting on slow-paying customers. These businesses often face constant expenses such as fuel, driver payroll, maintenance, insurance, and dispatch costs that cannot wait on 30–90 day payment terms.

By funding unpaid invoices, transportation companies can unlock cash tied up in receivables, keep large fleets moving, avoid downtime, and take on more loads without being limited by cash flow timing gaps.

Invoice funding for manufacturing supports businesses that must pay for raw materials, labor, and production costs long before receiving payment from customers. Extended production timelines and delayed receivables can create significant pressure on working capital.

Accounts receivable financing allows manufacturers to convert outstanding invoices into immediate cash flow, ensuring production continues uninterrupted, suppliers are paid on time, and larger orders can be fulfilled without delay.

Accounts receivable financing for wholesale and distribution businesses helps bridge the gap between purchasing inventory and receiving customer payments. These companies often manage large order volumes, extended payment terms, and significant upfront inventory costs.

Invoice funding provides working capital to restock inventory, fulfill large orders, and maintain strong supplier relationships while waiting for invoices to be paid, improving overall cash flow stability.

Cash flow support for retail businesses helps ensure they can consistently invest in inventory and meet demand, even when payments from customers or business accounts are delayed. Retail operations often depend on fast inventory turnover and timely restocking.


By funding unpaid invoices, retail businesses can maintain product availability, avoid stockouts, and respond quickly to seasonal demand shifts without being constrained by receivables timing.

Industry-specific cash flow solutions for distribution companies help manage the timing gap between moving goods and receiving payment from customers. Distributors often face high inventory costs, transportation expenses, and long payment cycles that can restrict liquidity.

Accounts receivable financing provides access to working capital tied up in invoices, allowing distribution businesses to fulfill orders, manage inventory flow, and maintain consistent operations without cash flow interruptions.

Industry-specific funding solutions are designed for B2B companies that invoice customers and experience delayed payment cycles across transportation, manufacturing, wholesale, retail, and distribution sectors.

These solutions help businesses fund unpaid invoices, stabilize cash flow, cover payroll and operating costs, and continue scaling without waiting on customer payments. This creates a more predictable and flexible financial foundation across industries.

Unlike traditional bank financing, which relies heavily on credit scores, collateral, and long approval timelines, Alterna focuses on the value of your receivables and the creditworthiness of your customers.

This allows businesses in transportation, manufacturing, wholesale, retail, and distribution to access working capital faster and more flexibly, based on invoices they have already earned rather than future projections or long-term debt.

Yes. Accounts receivable financing is designed to scale with business growth across transportation, manufacturing, wholesale, retail, and distribution companies. As invoice volume increases, available working capital typically increases alongside it.

This allows growing businesses to take on larger contracts, expand operations, and manage higher demand without being limited by cash flow delays from unpaid invoices.