Converting accounts receivable into immediate cash is quickly becoming the preferred way to provide consistent cash flow for your business. This simple process is called factoring.

Conceptual finance will facilitate the sale of your accounts receivable invoices to an investment company called a Factor. The Factor advances you a percentage of your invoice then collects the monies owed to you. The balance of monies owed will be paid (less the Factor’s fee) when the Factor is paid. You retain complete control and ownership of your company and get the cash you need.

Factoring gives you the same valuable business management technique that most Fortune 500 Companies Utilize.

Remember, this is a no debt solution. Unlike borrowing money to meet cash flow needs, factoring does not create debt. "Getting a loan" increases your expenses by the amount of interest and reduces the bottom line value of your business.

Loans require collateral limited by your hard assets. Factoring is not a loan, so there is no debt to repay. Your balance sheet is more attractive.

More and more companies in almost every industry are discovering the fast, convenient solution to their cash flow need is factoring...don’t get left out.

Ask how we can help you turn your notes into cash.

What are the benefits of factoring?

  Factoring stimulates cash flow.
  Factoring relies on the strength of a business's customers.
  Factoring is accessible.
  Factoring gets quick results.
  Factoring is flexible.

In many situations, factoring is more appropriate than bank financing, because factoring:

  Factoring is based only on the accounts receivable. A client’s ability to raise cash by     factoring is based on the total accounts receivable, rather than on traditional     measures of financial strength and stability.
  Provides continuing cash flow without the requirement of periodic payments or     interim payoffs. New sales continuously create new power to obtain cash, and the     business does not have to deal with renewal of loans or worry about maturity dates.
  Gives a business-increased access to cash as sales and receivables increase.     There is no ceiling beyond which the factor must stop providing cash. The more     sales a business makes, the more cash it can draw. The factor does not concentrate     on the business debt/equity ratio to provide funds, as banks do.
  Offers a dependable, continuing source of cash without the necessity of making     separate loan applications.
  Avoids the necessity of obtaining funds from venture capitalists, who receive an         interest in the business and generally have a say in how the business is run.
  Saves the business owner precious time waiting for a loan board to grant or deny
    his or her loan. Loan boards’ decisions are influenced by many considerations, and     the outcome is often unpredictable. With factoring, periodic delays and negotiations     are eliminated, allowing the business owner time to do what he or she does best –     run the business.

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