Factoring & Accounts Receivables Financing

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What is Factoring?

Factoring is an asset based lending procedure that gives your borrowing process an added element of flexibility. We offer it as an option for business owners who know that working capital is a necessary resource, but don’t want to risk constricting their future growth.

Where Simplicity & Flexibility come together

Unlike a merchant cash advance, in which the amount borrowed is fixed and decided at the onset of the relationship, factoring your invoices will give you the added flexibility of borrowing an amount that is decided by your future sales. Basically, it is a financial transaction in which you sell your invoices – at a discount – to a third party. This way, you’ll be able to cover your daily expenses and still eventually recoup the majority of the profits that those invoices represented.

The minimum is $5,000 monthly and the maximum is $10 million for larger companies, but other than that, the amount borrowed is contingent on your sales themselves. This way, you won’t be spurned by a sudden change in economic climate, or any external factor, and you’ll be able to use the working capital at the rate you think is best.

As an added bonus, the process of applying for invoice factoring, like a merchant cash advance, is unbelievably simple when compared to the traditional bank loan process. If you’re looking for a low-risk, high-reward way to get working capital for your business, talk to us about factoring options.

Typical industries that benefit from factor receivables

  • Restaurants
  • Automotive
  • Medical/Healthcare/Dental
  • Retail
  • Beauty Salons & Day Spas

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