Receivables Financing Agreement Form

Use a Receivables Financing Agreement template to make your document workflow more streamlined.

What the receivables financing agreement does

A Receivables Financing Agreement Form records terms under which a business’s receivables support financing or are transferred to a financing party. The completed document identifies the parties, covered accounts or invoices, funding terms, representations, payment direction, defaults, and signatures. It helps the parties document consent and allocation of risk before funds advance. This is a private commercial agreement, not an IRS, USCIS, or state-issued filing. Its enforceability depends on the written terms, authority of the signers, applicable contract and commercial law, and evidence showing how the agreement was executed and retained.

Complete the agreement in four steps

Use signNow to prepare the receivables financing agreement, route it to authorized parties, and preserve the completed record.

Upload agreement: Upload the receivables agreement and its schedules.
Prepare fields: Auto-detect fillable fields, then place missing fields manually.
Assign signers: Assign fields and signing order to authorized parties.
Complete record: Send, complete, and store the agreement with its audit trail.

Prepare and sign the agreement

Follow the document-specific workflow from upload through audit-trail storage.

Upload:
Upload the agreement PDF.
Check fields:
Review detected fields and add missing fields.
Assign:
Assign authorized signers and order.
Send:
Send the agreement for completion.
Store:
Download the signed record and audit trail.

Setting	Recommendation
Authentication method	Email verification with SMS OTP for higher-risk signers
Signature type	Intent-based electronic signature under ESIGN and UETA
Audit trail	Capture signer identity, timestamps, IP address, and actions
Document retention	Retain according to the transaction and applicable state rules
Encryption	Use TLS 1.2/1.3 in transit and AES-256 at rest

Protect receivables agreement records

Data at rest:

AES-256 encryption for stored agreements

Data in transit:

TLS 1.2/1.3 protects transmitted records

Security assurance:

SOC 2 Type II report available on request

Security certification:

ISO 27001 certification supports information security

Signature framework:

ESIGN and UETA compliance supports electronic signing

Protected health information:

HIPAA compliance available with a BAA

be ready to get more

Get legally-binding signatures now!

Start free trial

Request a call

Best ROI. Our customers achieve an average 7x ROI within the first six months.
Scales with your use cases. From SMBs to mid-market, airSlate SignNow delivers results for businesses of all sizes.
Intuitive UI and API. Sign and send documents from your apps in minutes.

Connect receivables agreements to business systems

Connect signing workflows with Salesforce, NetSuite, Microsoft 365, Google Drive, Box, and Procore to coordinate agreement data, approvals, and completed records.

Structured fields

Place party names, receivable schedules, funding amounts, payment instructions, and signature fields in one controlled document workflow for review before execution.

Signer routing

Route the agreement to the business and financing party in a defined order, reducing uncertainty about whose authorization must be captured first.

Audit trail

Record timestamps, IP information, authentication events, and document activity so parties can review evidence surrounding completion of the agreement.

Record storage

Save the executed agreement and completion evidence together, helping finance teams locate the signed record when reconciling funded receivables.

Reusable templates

Use reusable templates for recurring receivables transactions while updating invoice schedules, funding terms, and party information for each agreement.

Business integrations

Connect signNow with NetSuite, Salesforce, Google Drive, or Box to coordinate agreement records with finance and document-management workflows.

Apply agreement recordkeeping practices

Accurate terms, controlled access, audit evidence, and a documented retention decision strengthen the receivables agreement file.

Reconcile terms before sending

Before sending, compare the completed agreement with the financing approval and invoice schedule. Verify legal names, covered receivables, purchase or advance amounts, payment instructions, recourse terms, default provisions, and every required signature field. Do not rely on a blank template as the final record.

Export the audit evidence

Export the completed agreement and its audit trail after all parties sign. Preserve the original file, completion certificate, and related receivables schedule in a controlled repository with access limited to authorized finance, legal, and operations personnel.

Document the retention rule

Choose a retention period based on the transaction, governing law, and industry record rules. For federal tax records, IRC §6501(a) generally uses three years from filing, while understatement or fraud rules can require longer retention; obtain counsel’s direction for this commercial agreement.

Limit sensitive agreement data

Protect account and invoice data inside the agreement by limiting template permissions, checking recipients, and removing unnecessary personal information. If protected health information is included, assess HIPAA obligations and whether a business associate agreement is required.

Prepare agreement

Confirm parties, receivables schedules, funding terms, and required fields.

Deliver to signers

Send invitations after signer order and recipient addresses are checked.

Track signer turnaround

Monitor completion without changing signed terms.

Archive completed record

Download the executed agreement and audit trail for controlled storage.

Understand the agreement’s legal standing

A signed receivables financing agreement can be evidence when the parties intend to sign, consent to electronic records, can be identified, and the record remains reproducible. ESIGN and UETA support electronic signatures for qualifying business transactions, but exclude wills, certain court orders, and specified family-law documents.

Why teams look for DocuSign alternatives

Features	signNow	DocuSign	Adobe Sign	PandaDoc	Dropbox Sign
Starting annual price	$8/user/month, Business plan	Not verified	Not verified	Not verified	Not verified
Free trial	7 days, no credit card required	Not verified	Not verified	Not verified	Not verified
Bulk send	$15/user/month Business Premium	Not verified	Not verified	Not verified	Not verified
Audit trail	Included with Business plan	Not verified	Not verified	Not verified	Not verified

Avoid receivables agreement mistakes

Invoice schedules may not match the receivables described in the executed agreement, creating reconciliation questions during funding or collection.
Unassigned signature fields can leave a financing party’s authorization incomplete even when the business signer has finished the document.
Changing payment instructions after signing can create a document-control dispute unless the amendment is separately reviewed and executed.
Broad template permissions can expose customer, invoice, or financing information to users without a business need to access it.

Authenticate signer:

Record the signer’s authentication event and selected verification method.

Capture timestamp:

Attach the signing event to a precise UTC timestamp.

Hash document:

Create a document hash when the agreement is completed.

Seal record:

Seal the completed record against undetected post-signing changes.

Log activity:

Log IP address, field actions, and signer activity.

Export evidence:

Retrieve or export the completed agreement and audit history.

Resolve receivables agreement signing issues

Find direct answers about fields, consent, signer identity, plan limits, and electronic enforceability for this agreement.

Upload the source agreement again as a readable PDF, then check that every required signature, date, and amount field is assigned before sending. signNow’s field editor supports manual placement after automatic detection. A missing assignment can prevent completion even when other fields are finished.

The Business plan is listed at $8 per user monthly when billed annually and includes audit trails and templates. Business Premium is $15 per user monthly annually and adds bulk send. Confirm the selected plan before preparing multiple receivables agreements.

For a consumer-facing transaction, ESIGN requires disclosure of the right to receive paper records, access to the electronic format, and withdrawal procedures under 15 U.S.C. §7001(c). Add the required disclosure before requesting an electronic signature from a consumer.

signNow identifies its service as ESIGN- and UETA-compliant, but the platform does not decide whether a receivables agreement is enforceable. Confirm signer authority, commercial terms, governing law, and record retention with qualified counsel.

A signer can use an emailed invitation or signing link, while SMS OTP can add an authentication step. If identity evidence is insufficient, configure stronger authentication before sending the agreement to an outside financing party.

Business, Business Premium, and Enterprise subscription plans include 100 signature invites per user annually, with overage fees. The Site License is priced at $1.50 per signature invite. Review usage before sending a large receivables portfolio.

28M+Documents signed

13+Years in business

4.6/5Average G2 rating

BE READY TO GET MORE

Get this form now!

If you believe that this page should be taken down, please follow our DMCA take-down process.