OUR PROVEN FACTORING ACCOUNT RECEIVABLES 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
factoring 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 Account Receivables 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 account receivables 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.Would you like to increase your business cash flow - without taking out a loan? We have a solution!

 

If you are a typical entrepreneur running a small to mid-size business, you probably have experienced cash flow challenges from time to time. The hassle and concern of collecting your accounts receivable is a part of that challenge. As you know all too well, it involves waiting 30,60, or 90 days to collect, plus the additional time and energy required to collect late or missed payments.

 

Our company offers a valuable service that helps businesses deal with their cash flow challenges. We can purchase your outstanding invoices at a small discount, providing you with the cash you need today, and eliminating the hassle of waiting to collect. We have access to virtually unlimited funds to purchase qualifying accounts receivable.

 

We can provide the flexibility that other funding sources cannot, meeting the needs of your unique business.

You run a small business, and cash flow is your biggest problem. You just don't have the cash you need when you need it. There is an easy and safe answer, and that is factoring account receivables 

"Factoring has been used by big businesses to manage their cash flow needs for years," . "It's a simple process, really."

Factoring involves the buying and selling of invoices, or accounts receivable. A business sells its invoices at a small discount in return for having cash now, instead of in 30 to 90 days. The person who buys the invoices, known as a factor, collects on the invoices when they come due."

"Small businesses come to us to help them meet payroll on time, or when they need cash to start a new venture, increase production, or for a marketing effort. It's a situation where everyone wins. They have cashwithout getting in debt, and there's no interest to pay

The large corporations that have used factoring for years recognize that the advantages of having cash when they need it far outweigh the discount at which they sell the invoices. They consider the discount to be part of the cost of doing business. Small businesses tend to look at it as no different than giving a client a discount for paying cash.

 



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.

 

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