Benefits,Accounts,Receivable,F business, insurance Benefits of Accounts Receivable Factoring


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If you sell goods or services to commercial or government accounts you are very familiar with the fact that you have to offer your clients 30 to 60 days to pay their invoices. However, offering 30 day payment terms can be very challenging for business owners who must cover all the business’s expenses while they wait to get paid. This quickly eats up any cash reserves and puts the business in a challenging position. Unfortunately, when it comes to getting paid, hurry up and wait seems to be the name of the game. But there is a solution to this problem that you won’t find at your local bank. It’s called accounts receivable factoring. It has the following benefits: 1. It gets your invoices paid in 24 hours, eliminating long payment waits 2. Factoring is easy to obtain 3. Setting up an account takes just a couple of days Although factoring provides your business with working capital, it is not a business loan. It is an advance on your outstanding invoices. Because of this, factoring invoices is easy to obtain provided that you do business with reliable customers. Furthermore, invoice factoring easily integrates into your company. It works as follows: 1. You deliver the goods or services and invoice your client 2. You send the invoice to the factoring company, who advances you up to 85% of your invoice as a first installment 3. You get to use the funds to pay business expenses, while the factoring company waits to get paid by your client 4. Once the factoring company gets paid, it rebates the remaining 15% as a second installment, less a small service fee Factoring service fees vary based on a number of variables, such as monthly factored volume and how long it takes for an invoice to get paid. Based on these, fees can range from 1.5% to 6%. Generally speaking, factoring is very affordable if your clients pay their in 45 days or less. Factoring invoices is a great alternative for startups and established companies that have exhausted their bank resources. It’s a flexible product that is tied to your sales performance, this means that you will not get a fixed line. If your sales increase, so does your financing. This makes receivables factoring, an ideal product for growing companies.

Benefits,Accounts,Receivable,F

business

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