OUR PROVEN FACTORING ACCOUNTS 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 Accounts Information

Factoring accounts can provide alternative source of working capital.  Meet obligations on time.Paying vendors on time helps to establish a solid credit track record and allows for increased future credit limits from vendors as well as financial institutions. 

  Offer credit terms to customers. Offering credit termsto customers is a common way to increase sales by making it easier for customers to buy.    Having financial backing to carry accounts receivable is essential if a business wants to be able to follow through on its commitments.     Reputable factoring companies encourage managed growth by consulting with clients regarding exposures . and other risks when taking on new credit accounts.

Setting up a factoring accounts relationship is quick and easy compared to other forms of financing.    Applications simply call for basic company information and a customer list. Years of profitability are not required, which makes factoring an option for startups generating receivables. It is possible for funding to occur in as little as a couple of days after receipt of the application and invoices. 

Each factoring company operates a little differently, so there are different benefits and costs.   Several criteria should be addressed when searching for a reputable factor. Are there setup fees, maintenance fees or penalty fees?

Is there a long-term contract? Are there monthly minimums? Does the factor provide credit and collection services at no additional charge? What accounting reports will the factor supply?  What value-added services does it provide?

Most business bankers are a good referral source for reputable factoring companies. Bankers refer to factoring companies because they realize that although thecustomer may not be bankable at the time of the referral, in a short time it could be a viable candidate for conventional financing. As a short-term financing solution, factoring relationships generally run from 6 months to a couple of years.

Businesses choosing to maintain momentum, despite a  lack of conventional financing options, find that factoring not only offers cash but also a stable foundation on which to build. They 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.


 
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