Why Businesses Choose Us
Again and Again
for their fcommercial

Same Day Funding

Advance Rates that Exceed
   Industry Norms by 20%
   We offer cash advance rates up to 97%
   The typical maximum in the commercial factoring    industry is 80%.
   We can offer you higher advances because
   of our unique financing capabilities

Flexible Contracts-
   We provide you with contracts
   that meet your cash flow needs,not ours.
   
   Unlike the others, we do not make
   you sign long-term contracts and we don't
   charge you fees when you are inactive.

Invoice Processing
   Not only can we offer you the most
   advanced technolgy but we also maintain
   the old-fashioned systems because
   every client has different needs.
Receivable Financing

Personalized Service
   You have one dedicated person and his
   or her assistant who handle your account.
 
   Unlike the others, with us you don't
   have to start over each time you call 
   with a new person

Please contact us today
   and our seasoned invoice factoring
   specialists will help you
   get the cash you need TODAY

1-800-986-1854


or complete the
On-Line Invoice Factoring Request Form

What is commercial factoring?
In its simplest form, factoring is the purchase and sale of a company’s accounts receivable (invoices) at an amount less than (a discount of) the face value. (Example:  

If the factoring discount is 3 percent, the invoice is being purchased for 97 cents on the dollar). This allows a company to convert its dormant assets — or invoices — into useable cash flow. It is not a loan.

 [Factoring Loans  

Commercial Factoring can provide alternative source of working capital.  Meet obligations on time.Paying vendors on time helps to establish a solid credit track record and allows for increased future credit limits from vendors as well as financial institutions. 

  Offer credit terms to customers. Offering credit terms to customers is a common way to increase sales by making it easier for customers to buy.    Having financial backing to carry accounts receivable is essential if a business wants to be able to follow through on its commitments.     Reputable commercial factoring companies encourage managed growth by consulting with clients regarding exposures . and other risks when taking on new credit accounts.

Cash flow is one of the main reasonsbusinesses fail. At one time or another, every business, even successful ones, have experienced poor cash flow. Cash flow does not have to be a problem any more. A solution is available.

The solution is called factoring., factoring is the process of selling accounts receivable to an investor rather than waiting to collect the money from the customer the concept has been around for thousands of years. He describes factors as investors who pay cash for the right to receive the future payments on your invoices.

"A receivable or an invoice which has not been paid yet has value. It is a debt your customer has agreed to pay in the near future."

Factoring can offer many benefits to cash hungry companies. Instead of having to wait 30,60,90

days or longer for payment on a product or service that has already been delivered, a business

can factor (sell) its receivables for cash at a small discount off the fact amount of the invoice.

Payroll, marketing efforts, and working capital are just a few of the business needs that can be

met with this instant cash.

There are many situations wherefactoring loans can help business meet its cash flow needs. By providing a continuing source of operating capital without incurring debt, factoring can provide growth opportunities that can dramatically increase the bottom line. Virtually any business can benefit from factoring as part of its overall operating philosophy

Factoring loans can provide alternative source of working capital

 Meet obligations on time.Paying vendors on time helps to establish a solid credit track record and allows for increased future credit limits from vendors as well as financial institutions.

  Offer credit terms to customers. Offering credit termsto customers is a common way to increase sales by making it easier for customers to buy.    Having financial backing to carry accounts receivable is essential if a business wants to be able to follow through on its commitments.     Reputable factors encourage managed growth by consulting with clients regarding exposures . and other risks when taking on new credit accounts.

Setting up a factoring relationship is quick and easy compared to other forms of financing.    Applications simply call for basic company information and a customer list. Years of profitability are not required, which makes factoring an option for startups generating receivables. It is possible for funding to occur in as little as a couple of days after receipt of the application and invoices.

FactoringServices

In recent years, businesses have discovered that factoring services can combat the ups and owns of unpredictable cash-flow cycles and provide a viable source of working capital when conventional financing is not always an option.

Factoring is the practice of purchasing unpaid invoices from a company for a small, face-value discount. Factors-these buyer-give instant cash for what they expect to receive later, and the sellers can increase their cash flow without the usual 15-,30- or 60-day wait for payment.

For years, the bulk of factoring was predominately in the textile, furniture and apparel industries. Today, invoice-purchasing firms are working with all kinds of industries, including manufacturers, service providers, transportation companies and high-tech firms.

The increase is mainly attributed to the credit crunch that began in the late 1980s. as the availability of bank commercial credit tightens, more businesses look toward alternative sources of financing to achieve growth. Factors can help those firms that banks often find difficult to approve, such as start-up companies whose growth outstrips cash. The primary focus in a factoring relationship is the credit-worthiness of the customers being invoiced and the client’s ability to produce a quality product or service.

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Accounts receivable purchasing is a potential tool for managing a provider organization's working capital needs. But before entering into a financing agreement, organizations need to consider and take steps to avoid serious problems that can arise from participation in an accounts receivable financing program.

Financing through a securitization of receivables does not create a liability. An asset--the receivables--is sold for cash; no accounts receivable loan has been granted.

invoice factoring company
and account receivable factoring
and accounts receivable financing

There are many situations where a accounts receivable purchasing  funding can help a business meet its cash flow needs. It provides a continuing source of operating capital without incurring debt, which can result in growth opportunities that dramatically increase the bottom line. Virtually any business can benefit from factoring as part of its overall operating philosophy.

Every good businessperson must understand the concept and benefits of commercial factoring in order to operate as profitably as possible. The following chart can help you understand the differences between factoring and other sources of funding.