Buy B2B invoices at 90–95% face — collect full value 30–90 days later. Effective yield 25–60% annualized.
Factoring: businesses sell their accounts receivable (30–90 day invoices from creditworthy customers) at a 3–8% discount for immediate cash. As the factor, you advance 80–90% at purchase, remit the remainder minus fees on customer payment. Effective annualized returns 25–60%. Requires credit analysis of the DEBTOR (customer), not the seller. Best on Fortune 500 debtors (Amazon, Walmart, gov agencies). Recourse (seller guarantees) vs non-recourse (you take credit risk). Purchase Order Financing is upstream cousin.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Lend directly to real estate investors on 1st-lien trust deeds — 8–14% yield secured by real property at 60–70% LTV.
Fund small businesses at 1.15–1.35× via receivables purchase — 30–90 day payback, 25–50% IRR (ethical caps).
Provide the down-payment + rehab gap to fix-and-flip investors — 12–18% + 2–4 points on 4–6 month bridge.
Invest as LP in interval funds and BDCs — 9–12% yield on institutional private-credit portfolios.
Buy whole-loan portfolios directly from P2P platforms — 6–12% net yield with algorithmic underwriting.
Buy in-force life insurance policies from seniors — pay premiums, collect death benefit. 8–12% IRR uncorrelated.