OUR PROVEN FACTORING ACCOUNTS PROGRAMS
HELP BOOST YOUR CASH PROFITS

Contact our factoring specialists at:

Toll Free:  888-266-0197

On-Line Factoring
Request Form


Email Us

Hear What
Our Customers
Say About Us


What It Takes To Switch  Factoring Companies


YOU GET FLEXIBILITY
THAT NO ONE ELSE OFFERS


We offer tailored processing systems

You can choose to use the latest in technology- based  processing systems
or the old-fashioned paper-based ones
or a combination.

Unlike the others
we don't force
you into a box


We will tailor our financing programs to help you make more cash.

Unlike the others 
you get to choose

what works best for you.

We can do this because we have the knowledge,experience,
systems, and
one-of-a-kind financing that is unique in the factoring industry.

 

OCF FACTORING COMPANY
 - Providing factoring services nationwide
 - Over 70 years of factoring company experience
 - Up to 97% Advance Rates


WHAT SETS US APART 
• Same Day funding on approved invoices
• We do not require a long term contract.

• 97% advance rates; tops in the industry
• Credit analysis on new and existing customers
• Continuous collection management and
   follow up on factored invoices
• Invoice and statement mailing (postage included)
• Account status inquiries anytime;
  24/7 online account access.


Our flexibility allows you to maintain control:

• You select accounts you prefer to factor
   on an invoice by invoice basis.
• You control total factoring costs by only
   factoring on an "as needed" basis.


Up to 97%  Finance Receivables Advance Rates:
Advance rates are based on overall risk
associated with a particular industry as
well as experience and track record.
We hold reserve accounts to accommodate
industries which typically experience dilution
and that we would otherwise not be able
to service. Advance rates range from
80% to 97% of the gross invoice amount.


Fee Structures:
Fees are determined based on your industry,
the credit worthiness of your customers,
how quickly your invoices turn, and
monthly factoring volume.

OCF provides individualized customer service,
by tailoring our flexible programs to fit the individual
needs of each of our clients. We strive to
be responsive, handling receivables
with speed, efficiency, and a personal touch.

As a client you are assigned one account
administrator who will personally handle
all of your account activity and inquiries.
This gives us the ability to buy your
receivables and get the money to
you within 12 to 24 hours.

Having one person look after your account
also makes it easy for you to decide
which invoices you are going to sell and
when you want to sell those invoices.

Our funding is primarily done by
direct deposit or wire.

OCF has more than 70 years of successful
cash flow and credit management experience,
experience we would love to put to work for you.


To talk with a member of our sales team,
please contact one of our regional offices at:

Toll Free:  888-266-0197

Fax #:  425-702-1874

On-Line Factoring
Request Form


Factoring Home Page
Why Factoring is Necessary
Factoring Benefits
Factoring History
Factoring Comparison
Credit Risk Management
Is Factoring For You
How Factoring Works

More  Factoring Accounts Information

In recent years, businesses have discovered that factoring accounts receivable can combat the ups and owns of unpredictable cash-flow cycles and provide a viable source of working capital when conventional financing is not always an option.

Factoring accounts is the practice of purchasing unpaid invoices from a company for a small, face-value discount. Factors-these buyer-give instant cash for what they expect to receive later, and the sellers can increase their cash flow without the usual 15-,30- or 60-day wait for payment.

For years, the bulk of factoring was predominately in the textile, furniture and apparel industries. Today, invoice-purchasing firms are working with all kinds of industries, including manufacturers, service providers, transportation companies and high-tech firms.

 

The increase is mainly attributed to the credit crunch that began in the late 1980s. as the availability of bank commercial credit tightens, more businesses look toward alternative sources of financing to achieve growth. Factors can help those firms that banks often find difficult to approve, such as start-up companies whose growth outstrips cash. The primary focus in a factoring relationship is the credit-worthiness of the customers being invoiced and the client’s ability to produce a quality product or service.

 

How it works

Depending on the agreement, businesses can pick and choose which receivables they wish to sell to the factoring company, who immediately advances 90-975 of the face value of the invoices. The balance of the funds, less the discount fee, is released once collections are made.

 

In addition to providing immediate cash on invoices, the factoring company tracks commercial invoices performs valuable credit analysis on new and existing customers and conducts professional, routine follow-up on invoices as they become due.

 

The cost of doing business with a factoring company is the discount taken on the invoices submitted for funding. Fees range from 1-3 percent, depending on volume, credit-worthiness of customers sold and overall risk.

Businesses choosing to maintain momentum, despite a lack of conventional financing options, find the cost of factoring is often offset by the increased revenue created. They also look to a future of managed growth and profitable performance that will bridge the gap to qualifying for bank financing.



Cash flow is one of the main reasons businesses fail. At one time or another, every business, even successful ones, have experienced poor cash flow. Cash flow does not have to be a problem any more. Do not be fooled -- banks are not the only places you can get funding. Other solutions are available and you do not have to borrow.

What is Factoring?

One solution is called factoring. Factoring is the process of selling accounts receivable to an investor rather than waiting to collect the money from the customer.

Factoring Principals

Although factoring deals exclusively with business-to-business transactions, a large percentage of the retail business uses a factoring principal. MasterCard, Visa, and American Express all use a form of factoring in their retail transactions. Using the purest definition of the word, these large consumer finance companies are really just large factors of consumer paper.

Think about it: You make a purchase at Sears and charge it to your MasterCard. The store gets paid almost immediately, even though you do not make payment until you are ready. For this service, the credit card company charges Sears a fee (typical fees range from two to four percent of the sale).

The Benefits

Factoring can offer many benefits to cash-hungry companies. Rather than wait 30, 60, 90 days or longer for payment on a product or service that has already been delivered, a business can factor (sell) its receivables for cash at a small discount off the amount of the invoice.

Payroll, marketing efforts, and working capital are just a few of the business needs that can be met with this instant cash.

Factoring provides the means for a manufacturer to replenish inventory and make more products to sell: There is no longer a need to wait for earlier sales to be paid. Factoring is not just a cash management tool for manufacturers: Almost any type of business can benefit from factoring.

Generally, a business that extends credit will have 10 to 20 percent of its annual sales tied up in accounts receivable at any given time. Think for a moment about how much money is tied up in 60 days’ worth of invoices: You cannot pay the power bill or this week's payroll with a customer's invoice, but you can sell that invoice for the cash to meet those obligations.

Factoring is a fast and easy process. The factor buys the invoice at a discount, usually a few percentage points less than the face value of the invoice.

 

More  Factoring Accounts Information

  • Account Receivable Factoring. Finally a Program That Helps Your Business Make......
    No Set-Up Fees There are no charges to process your account receivable factoring application to qualify you for our program.

  • Factoring Accounts Receivables.How to Make More Money With Our's
    factoring accounts receivables --- A Breakthrough Factoring Accounts Receivables Company Offering receivables ...
    ... Money With Our's factoring accounts receivables --- A Breakthrough ...
    ... --- A Breakthrough Factoring Accounts Receivables Company Offering ...
    ... Factoring Accounts Receivables Company Offering receivables ...
    ... Email Us factoring accounts receivables Request Form ...

  • Grow,Use Our Financial Factoring.Die, Use Theirs. Unique 97% Advance Rates.Flexible Contracts.
    financial factoring Our Financial Factoring Programs Can Help You DOUBLE YOUR SALES Contact a member ...

  • Invoice Factoring Company Secrets You Never Knew
    Invoice factoring benefits are:

  • Accounts Receivable Factoring That You Need To Look At
    Accounts receivable financing is the selling of outstanding invoices or receivables at a discount to a finance or factoring company that assumes the risk on the receivables and provides quick cash to your business. The amount of value assigned to the account depends on the age of a receivable. A more current invoice will pay more. Any accounts receivable over 90 days typically are not financed.

  • Staffing Company Factoring. Nobody Has Our Programs.Unique 97% Advance Rates
    Receivable Factoring enables a staffing business to offer the credit limits that many larger customers demand, without the worries or interruption of cash flow.

  • Accounts Receivable Factoring.Advice That Business Owners Must Have...
    Most businesses struggle to maintain a steady cash flow. Invoice Factoring allows for a steady and predictable source of cash. Also, many businesses face the fact that most of their cash is tied up in accounts receivable.

  • Staffing Factoring. How To Grow With Factoring
    Is Staffing Factoring For You? The key to knowing if staffing factoring is for you is to not to look only at the bottom-line staffing factoring fee, but also to consider how your company may increase it's profits through staffing factoring.
    ... company factoring accounts receivables invoice factoring companies ...
    ... factoring accounts receivable financing accounts receivable ...


  • Account Receivable Factoring That Helps Your Business Prosper
    An accounts receivable factoring program can make it possible for your business to avoid this dreaded cash flow squeeze. We provide funding against your accounts receivable to give you both an immediate infusion of cash AND an ongoing source of working capital.


  • Grow,Use Our Business Financial Factoring.Die, Use Theirs. Unique 97% Advance Rates.Flexible Contracts.
    business financial factoring Our Business Financial Factoring Programs Can Help You DOUBLE YOUR SALES ...

  • Freight Factoring Company.Unique 97% Advance Rates
    Our frieght factoring company can offer you the highest advance rates in the nation.And our freight factoring company uses our own money, which means we can be more flexible with our freight factoring rates
    ... factoring accounts receivable nationwide including the ...


  • Receivable Factoring. Find Out why We Get Chosen
    What is Accounts Receivable Factoring? People consider the receivable factoring discount a small cost of doing business. A two-three-percent factoring accounts receivables discount for a 30-day invoice is common. Compared with the problem of not having cash when you need it to operate, the receivable credit line financing discount is negligible. Look at the factoring company collecting the accounts receivables discount as though your business had offered the customer a discount for paying cash. It works out the same.

  • The Only Factoring Government Vendor Company Offering 97% Advance Rates
    Our factoring government vendor programs can offer you the highest advance rates in the nation.And our factoring government vendor company uses our own money, which means we can be more flexible with our factoring government vendor company rates
    ... Services Factoring Accounts Receivable Information Factoring Financial ...
  • FactoringAccount Receivable Company .How to Make More Money With Our's
    factoring account receivable --- A Breakthrough Factoring Account Receivable Company Offering account ...
    ... Account Receivable Company .How to Make More Money With Our's ...
    ... Money With Our's factoring account receivable --- A Breakthrough ...
    ... --- A Breakthrough Factoring Account Receivable Company Offering ...
    ... account receivable factoring Programs Tailored to Make You More Money ...
    ... Factoring Account Receivable Company Offering account ...

  • FactoringAccounts Receivables.How to Make More Money With Our's
    factoring accounts receivables --- A Breakthrough Factoring Accounts Receivables Company Offering receivables ...
    ... Accounts Receivables.How to Make More Money With Our's ...
    ... Money With Our's factoring accounts receivables --- A Breakthrough ...
    ... --- A Breakthrough Factoring Accounts Receivables Company Offering ...
    ... receivables factoring services Tailored to Make You More Money ...
    ... Factoring Accounts Receivables Company Offering receivables ...
    ... Email Us factoring accounts receivables Request Form ...

  • Account Receivable Financing. No one Can Offer The Quick Relief That..
    Account Receivable Financing Company vs. Bank Loans Factoring financing has been around for thousands of years. Financing companies pay cash for the right to receive the future payments on your receivables and invoices. An unpaid accounts receivable or invoice has credit value. It is a debt your customer has agreed to pay in the near future.
    ... Online Receivable Factoring Request Form Contact Us We Fund All ...
    ... And Many More More Factoring Financing Information Why Accounts ...
    ... receivables factoring than without, even when the financing ...
    ... the invoice factoring discount a small cost of doing business. ...
    ... Company Offering Account Receivable Financing Programs Tailored to ...
    ... //www.occfactor.com/account-receivable-factoring.htm http:// ...
    ... //www.occfactor.com/account-receivable-financing.htm http:// ...
    ... Relief That.. Accounts Receivable Financing Services Online ...

  • Discover These Unique Business Factoring Company Programs.Unique 97% Advance Rates
    Our business factoring company can offer you the highest advance rates in the nation.Discover These Unique business Factoring Company Programs our factoring company uses our own money, which means we can be more flexible with our ar factoring company rates
    ... Unique Business Factoring Company Programs.Unique 97% Advance Rates ...
    ... Rates business factoring A Breakthrough Business Factoring Company ...
    ... Business Factoring Company Offering Factoring Programs ...
    ... Company Offering Factoring Programs Tailored to Make You More Money ...
    ... included) • Account status inquiries anytime; 24/7 online ...
    ... ; 24/7 online account access. • We allow you to electronically ...
    ... who handle your account. You don't have to start over each time you ...
    ... experience per account executive (Well above the factoring ...
    ... : • You select accounts you prefer to factor on an invoice by ...

  • Discover These Unique Account Receivable Loan Factoring Company Programs.Unique 97% Advance Rates
    Our account receivable loan factoring company can offer you the highest advance rates in the nation.How to Pick The right account receivable loan factoring Company Programs our factoring company uses our own money, which means we can be more flexible with our account receivable loan factoring company rates
    ... Receivable Loan Factoring Company Programs.Unique 97% Advance Rates ...
    ... These Unique Account Receivable Loan Factoring Company ...
    ... 97% Advance Rates account receivable loan --- Unlike other account ...
    ... --- Unlike other account receivable loan companies, our company ...
    ... TODAY Call our account receivable loan company specialists at 1-...