Invoice Factoring Sneaker Store

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Invoice factoring is a fancy term for getting a cash advance on your sales. When your business sends out an invoice, you normally have to wait for a client to pay the invoice to have operating money. With invoice factoring, you sell that invoice to a factoring company for upfront cash. This means that you get the working capital your company needs to cover costs and expenses while you wait for a client to pay.

The Advantages of Using Invoice Factoring

Invoice factoring is an easy exchange between a business and a factoring company. With this type of exchange, you trade your future invoices for current cash. Unlike a traditional loan, you do not get added debt. Invoice factoring is not a loan. It is just a pre-payment for your future invoices.

The factoring company decides how much to give based on your clients’ creditworthiness and their payment history with you. You can have bad credit or no credit and still get this kind of advance. Since this is not a loan, it does not add to your debt levels.

The Invoice Factoring Process

Some people know invoice factoring by the name of accounts receivable financing. It is also called receivable factoring. The entire, simple process can be completed online in just 15 minutes.

It starts by talking to the factoring company and making an agreement with them. The agreement basically says that the invoices from your clients will go to the factoring company in return for a cash advance. You can get this cash in as little as 24 hours.

You also agree to continue fulfilling and sending out your invoices. These invoices are sent to the factoring company. Then, the factoring company uses the invoices to cover the advance and a small fee. Anything that is left after covering the fee and the advance is returned to you. In most cases, your advance will be for about 90 percent of your future invoices.

Is This Better Than a Traditional Loan or Line of Credit?

If you have the extra time and a good credit score, then a bank loan or line of credit is a good idea. The only problem is that these types of loans can take time to apply for. Even if you have all of your paperwork in order, it can take a bank weeks or months to approve the loan and give you the cash. If you need money right away, this is obviously not the best option.

A traditional loan can also be an issue if you have a bad credit score. If your business does not have a credit history at all, this is also an issue. The bank will only want to give you a loan if you have a good credit score and a strong business record. If your company is new and does not have these qualities yet, you might not be able to get a loan.

There is another reason why companies turn to factoring invoices instead of bank loans. When you look at your balance sheet, a bank loan is listed as a debt. Extra debt can make it hard to find new investors or to satisfy your current investors. Since invoice factoring is not a loan, it is not recorded as a debt on your balance sheet.

With invoice factoring, you can get $50,000 to $20,000,000 within just a day. The entire approval process is incredibly fast. Most companies can get approved for a cash advance in only 15 minutes.

What Do I Have to Do?

Basically, you are required to keep running your business like normal. When you sign the contract, you are agreeing that you will keep sending out a set amount of invoices during the contract’s duration. You agree to a contract length between three months and a few years. You can qualify for a lower rate or more money if you have a higher volume of invoices.

Once you sign the agreement, you can get 70 to 100 percent of the invoices’ value. When your customers pay the invoices, the factoring company takes agreed amount for repayment and a fee. The fee might be a percentage of the total advance or a flat fee.

The Types of Factoring Companies

Generalist: A factoring generalist works with many types of small businesses and industries.

Specialist: A factoring specialist typically specializes in a set industry.

Recourse companies: Recourse companies are able to sell the invoice back to you if it is not paid.

Non-recourse companies: These types of companies charge more fees because they absorb all of the risk for whether your invoices are collected or not.

There are many different factoring companies in North America. With the right invoice factoring options, you can get the immediate cash your company needs to grow. Review your options, read through the agreement and discover the company that works best for you.

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