Who Needs Factoring?
Recently at a technology conference I was talking with small business owners about their financial backing. One of the challenges of being in the factoring industry is having to explain how a factor...
View ArticleWhat Will Carry You Today?
Is going after a bank loan the right choice? Many business owners don’t consider factoring invoices as an alternative because they found a bank that will offer a loan. The problem often lies in the...
View ArticleDiscount Fee vs APR
There is a real difference between a Factoring Discount Fee and an Annualized Percentage Rate. Comparing the two is like saying a fish is the same as a whale. They both swim in the water but they’re...
View ArticleManaging Customer Perceptions
This comes up less often than in the past, concern about the perception of receivable factoring by business owners. They sense just using factoring will somehow have a negative reflection on their...
View ArticleWhen There Is Customer Contact
There are two legal instances where the customer of our client needs to be aware of the factoring relationship. I always stress that the way this is handled is one of the most important aspects of...
View ArticleSBA Backed Loans and Factoring
What are the differences of the most popular Small Business Administration loan programs and how do they affect using a factoring company? The SBA 504 loans use either real estate or equipment as...
View ArticleWhat Could Happen?
Most commercial lenders, like factoring companies, who excel in their business take the approach of “worse case scenario.” We are always looking at each part of the transaction to see where it could...
View ArticleBorrowing Certificate & Audits
One of the differences between a line of credit and invoice factoring has to do with your time keeping up with the financing. When using a bank to borrow against your receivables, the institution will...
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View ArticleFactoring With An Existing Bank Loan
A factoring company frequently finds a situation where it may have to work in conjunction with a bank to provide working capital to a business borrower. In all cases where the bank has an existing...
View ArticleTransparency
When it comes to commercial financing and invoice factoring in particular, there are no secrets. All parties subject to the transaction must be notified. A client of a factoring company is declaring...
View ArticleEstoppel Letter For Verification
On occasions where the work being completed or sale being finalized is in question – a sign off may be required. When a factoring company is somewhat unsure if the account debtor (customer) is...
View ArticleGetting The Right Relationship
The challenge for those of us in the factoring industry has always been that small business owners are either unfamiliar or misunderstand what it’s for and how it works. Critics of course make a bee...
View ArticleWhat Will Carry You Today?
Is going after a bank loan the right choice? Many business owners don’t consider factoring invoices as an alternative because they found a bank that will offer a loan. The problem often lies in the...
View ArticleDiscount Fee vs APR
There is a real difference between a Factoring Discount Fee and an Annualized Percentage Rate. Comparing the two is like saying a fish is the same as a whale. They both swim in the water but they’re...
View ArticleManaging Customer Perceptions
This comes up less often than in the past, concern about the perception of receivable factoring by business owners. They sense just using factoring will somehow have a negative reflection on their...
View ArticleWhen There Is Customer Contact
There are two legal instances where the customer of our client needs to be aware of the factoring relationship. I always stress that the way this is handled is one of the most important aspects of...
View ArticleSBA Backed Loans and Factoring
What are the differences of the most popular Small Business Administration loan programs and how do they affect using a factoring company? The SBA 504 loans use either real estate or equipment as...
View ArticleThe Mechanics of Factoring Pt 1
Many small business owners ask, “How does factoring work exactly?” Here is the step by step process. First the factoring company must do a credit check on the account debtor (the customer who will pay...
View ArticleThe Mechanics of Factoring Pt 2
When a factoring client decides to finance their invoices for working capital to grow, they enter into a Purchase & Sale Agreement whereby they are selling the proceeds of an outstanding debt to a...
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