We help athletes and collectives convert future NIL payments into immediate cash — no waiting, no stress, no impact on your future earnings.
Share your signed NIL contract. Takes five minutes. No commitment required to find out what you'd receive.
We review the contract, brand, and payment schedule. You get a clear cash offer within 24 hours. No surprises. Exact number disclosed upfront.
Accept the offer, sign the agreement, and receive your cash — typically wired within 48 hours. The brand pays us. You owe nothing.
You signed a deal paying monthly but your expenses — moving, rent, family — are immediate. PlayFactor gets you the majority of your contract value upfront. You owe us nothing. Your future earnings stay yours.
Get My OfferYou're managing athlete payments and need to smooth cash flow without waiting on incoming funds. PlayFactor works with collectives to bridge the gap between what you've committed and what you've collected.
Talk to UsYou've structured NIL deals with monthly payments but need flexibility. PlayFactor's infrastructure creates predictable payment flows so your brand relationships stay clean and on schedule.
Let's TalkNIL contract value. Brand deal structured as monthly payments over 12 months.
Cash upfront. Wired to the athlete's account within 48 hours of signing.
Athlete owes us. The brand pays us back. The athlete is done the moment we wire them.
Brett McPhail spent 10+ years at Learfield and JMI Sports inside athletic departments at Arizona, Texas Tech, Utah, and the Big Sky Conference. He knows who writes the NIL checks — because he spent a decade watching them get written.
PlayFactor purchases your existing NIL contract — it does not create new income or new obligations. This is not a new endorsement deal. We're purchasing a receivable you already own. We're happy to explain the structure directly to your compliance office.
We disclose the exact cash amount you receive before you sign anything. No hidden fees. No future earnings claims. No percentage of future NIL income. One contract. One payment. Done.
Every deal is backed by institutional insurance against brand default. A formal Purchase & Sale Agreement documents every transaction. This is a legitimate financial instrument — not a handshake deal.
NIL factoring is the purchase of your NIL contract receivable. Instead of waiting months for brand payments, PlayFactor buys your contract and gives you most of the value upfront. The brand pays PlayFactor back on your original schedule.
Yes. Factoring is a well-established commercial finance practice used across industries. PlayFactor structures every transaction with a formal Purchase & Sale Agreement. Your future earnings are never at risk. This is not a loan and cannot default.
Use PlayFactor when you have a signed NIL contract with structured monthly payments but immediate financial needs — moving costs, rent, family expenses. The December football and April basketball portals are our primary windows.
Submit your contract details. We respond within 24 hours with a clear cash offer. No commitment. No obligation. Just a number.