In recourse factoring, the factor advances money on your invoices but does not take the risk that your customer never pays. If an invoice stays unpaid past the agreed period, you repay the advance, replace the invoice with a new one or let the factor deduct it from future reserves.
Because you keep the credit risk, recourse factoring usually costs less and is easier to qualify for than non-recourse. It fits businesses whose customers reliably pay, just slowly.
Read the recourse terms closely: how many days before a buyback, whether fees keep building on an aging invoice, and whether the factor can take the buyback from other customers' payments.