Invoice Factoring Textiles and Apparel

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Delancey Street makes lending easy. They took a chance on me when no one else would.

Leo kovacz

Founding Partner (Zooomr Car Leasing)
Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.
Delancey Street makes lending easy. They took a chance on me when no one else would and helped my...

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Founding Partner (Goldman & Associates
Chicago Lawyer)

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Delancey Street’s team consists of former business owners, and entrepreneurs. We understand your business has unique needs, and not every project is going to be easy and be ideal. These are general guidelines which should be interpreted as a suggestion, rather than mandatory.

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Business Loan Guidelines

Speed We close within 24-48 hours
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Qualification 3 months in business minimum. Credit isn't a huge issue.
Maximum Loan Amount $5 Million
Loan Terms 6-24 Months

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Invoice Factoring Textiles and Apparel

Factoring advances can provide your company with up to 90 percent of the value of its accounts receivable. It is possible to get anywhere from $50,000 to $20 million in a single advance, which makes it easier to buy land or fulfill large orders. Another benefit to invoice factoring is that the amount of the advance is based on your customer’s credit score as opposed to your own.
What to Know About Invoice Factoring Providers
Companies that provide invoice factoring advances can either be general or specific in who they work with. For instance, a factoring company could choose to work only with businesses in the hotel space or that conduct business online. However, as there are multiple factoring companies to choose from, you should be able to find one that is able to meet your needs regardless of how its portfolio is arranged.
What to Know About Invoice Factoring Advances Themselves
When a factoring company agrees to purchase your invoices, it will deposit money into your bank account. The customer that you have invoiced will now pay the factoring company instead of your business. In most cases, this needs to happen within 90 days of receiving the invoice. If this does not happen, the factoring company may be able to return the invoice and get its money back.
However, this assumes that the factoring company provides recourse advances. If it does not, there is nothing it can do to get the money back after it has been deposited in your account. It is important to know that non-recourse advances generally come with higher fees and other charges.
The Variables That Determine Advance Amounts
There are a variety of factors that ultimately determine how much money that your company can receive. Perhaps the biggest factor is the value of the invoices themselves. However, the volume of invoices that you have will play a role in how much you are allowed to keep.
Generally speaking, a factoring company will let you keep more of each invoice by agreeing to sell a larger number of them. Furthermore, your company may be allowed to keep a larger percentage of each account receivable if you enter into a longer contract. The factoring agreement itself can last for several months or for several years.
In some cases, you can enter into a monthly agreement if that best fits your company’s needs. Prior to entering into an agreement to sell your invoices, be sure to read your contract carefully. Doing so can help you make a funding decision in an informed and confident manner.
How Factoring Differ From Traditional Loans
The biggest difference between a factoring advance and a traditional loan is that an advance is not considered debt. This can be ideal when it comes time to sell your business or look for an outside investor. It can also be ideal for companies that may have irregular sales numbers and don’t want to commit to a strict monthly payment.
Another significant difference between factoring advances and bank loans is that the advance only takes a few hours to get. Conversely, a bank loan could take weeks or months to acquire. This is because a bank or other financial institution may need to spend time doing due diligence on your business and its ability to repay a loan.
It is possible that traditional loan providers will shy away from companies in certain industries. They may also not want to work with businesses that haven’t been in existence for several years or have several years of steady income. In the event that you are approved for a loan, it may not be for the amount that you requested.
Factoring Companies May Offer Better Rates Than Banks
When deciding to obtain funding for your company, it is important to know how much it will cost to do so. For newer or smaller companies, getting an advance may be less expensive than taking out a loan. However, to be sure that this is the case for your business, be sure to compare the rates and fees charged by both factoring companies and local or national banks. Online calculators can also help you determine on your own which type of funding option meets your needs and budget over the long-term.

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