Factoring Invoice Services
For All Industries And All Company Sizes


Business Services Companies Financing 
Trucking and Transportation Companies Financing
Government Contractors Suppliers  Financing
Security Companies Guard Agencies
Financing
Staffing Temporary Financing  Employment Agencies Financing

 

Contact our accounts receivable factoring specialists at:

Toll Free:  888-266-0197

Online Invoice Facoring Request Form

Factoring Invoice Articles

How To Increase Your Cash Flow With Invoice Factoring


Comparing Invoice Factoring To Bank Loans


How Invoice Factoring Works


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



Company Information    
Invoice Factoring Frequently Asked Questions
Contact us

Our Factoring Company Locations
Invoice Factoring Testimonials


Discover Why Business Chooses Us

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


Why Invoice Factoring is Necessary

In recent years, an increasing number of businesses have discovered
that invoice factoring can combat the ups and downs of unpredictable cash flow cycles.

More importantly, invoice factoring companies are providing the business community
with a viable source of working capital when conventional business financing is not always an option.
 

People consider the
invoice factoring
discount a small cost of doing
business. A two-three-percent
invoice factoring
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
discount is negligible.
Look at the invoice factoring company collecting the  discount as though your business had
offered the customer a
discount for paying cash. It works out the same.

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    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.

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  •  

    Factoring Invoice

    Article: The Facts on Factoring Invoice Companies:  
    What is a Factoring Invoice Company ?

    Factoring Invoice Company vs. Bank Loans
    So, why not simply go over to the friendly banker for a loan to alleviate
    cash flow problems? A loan can be difficult if not impossible to receive, especially for a young, high-growth operation,
    because bankers are not expected to decrease lending restrictions soon.
    The relationships between businesses and their bankers are not as strong or as dependable as they used to be.

    The impact of a loan is much different than that of the factoring invoice process on a business.
    A loan places a debt on your business balance sheet, which costs you interest.
    By contrast, factoring puts money in the bank without the creation of any obligation.
    Frequently, the factoring discount will be less than the current loan interest rate.

    Loans are largely dependent on the borrower's financial soundness, whereas factoring is more
    interested in the soundness of the client's customers and not the client's business itself.
    This is a real plus for new businesses without established track records.

    There are many situations where factoring can help a business meet its cash flow needs.
    It provides a continuing source of operating capital without incurring debt, which can result
    in growth opportunities that dramatically increase the bottom line. Virtually any business
    can benefit from factoring as part of its overall operating philosophy.

    Every good businessperson must understand the concept and benefits of invoice factoring
    in order to operate as profitably as possible.

    Factoring invoice is the process of selling accounts receivable
    to an investor rather than waiting to collect the money from the customer.

    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.
    One solution is called invoice factoring.

    Oh, the Irony… Factoring invoice has an ironic distinction: It is the financial backbone of many
    of America's most successful businesses. Why is this ironic? Because invoice factoring is not
    taught in business colleges, is seldom mentioned in business plans and is relatively
    unknown to the majority of American business people. Yet it is a financial process
    that frees up billions of dollars every year, enabling thousands of businesses to grow and prosper.

    Factoring invoices has been around for thousands of years. Factoring companies are investors
    who pay cash for the right to receive the future payments on your invoices.
    An unpaid receivable or invoice has value. It is a debt your customer
    has agreed to pay in the near future.

    Factoring Invoice Principals
    Although account receivable 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 Invoice 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 invoices 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 receivables 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.

    The Drawbacks
    People consider the receivable factoring discount a small cost of doing business.
    A four-percent discount for a 30-day invoice is common. Compared with the problem of not
    having cash when you need it to operate, the four-percent discount is negligible. Look at the invoice factoring company's 
    discount as though your business had offered the customer a discount for paying cash. It works out the same.

    Companies consider the discount the same way they treat a sales price: It is simply the
    cost of generating cash flow, much like discounting merchandise is the cost of generating sales.

    Receivable factoring is a cash flow tool used by a variety of businesses, not just those who are small or struggling.
    Many companies factor to reduce the overhead of their own accounting department. Others use factoring to
    generate cash, which can be used to expand marketing efforts and increase production.

    Why Invoice Factoring Appeals to the Start-Ups
    Factoring is especially appealing to young and rapidly growing companies.
    Since the process shortens their business cycle, these businesses can grow faster.
    The ability to make more products to sell while waiting for invoices to be paid is largely eliminated.
    Such businesses usually net much more profit with factoring than without, even when the discount is considered.


    Benefits of Factoring Invoices

    Factoring invoices 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 from factoring.

    Factoring invoices 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.

     

    Why Receivable Factoring
    Appeals to the Start-Ups

    Factoring is especially appealing to young and rapidly growing companies. Since the invoice factoring process shortens their business cash flow cycle, these businesses can grow faster. The ability to make more products to sell while waiting for invoices to be paid is largely eliminated. Such businesses usually net much more profit with receivables factoring than without, even when the discount is considered.

    Receivable Factoring Company vs. Bank Loans

    Factoring has been around for thousands of years. Factoring companies  pay cash for the right to receive the future payments on your receivables and invoices. An unpaid accounts receivable or invoice has value. It is a  debt your customer has agreed to pay in the near future.

    So, why not simply go over to the friendly
    banker for an account receivable loan to alleviate cash flow problems? A small business loan can be difficult if not impossible to receive, especially for a young, high-growth operation, because small business money bankers are not expected to decrease lending restrictions soon. The relationships between businesses and their small business bankers are not as strong or as dependable as they used to be.
     

    Account Receivable Factoring Frequently Asked Questions

    Unlike The Others, You Actually Make Money With Our Account Receivable Factoring Rates

     


    OUR PROVEN INVOICE FACTORING PROGRAMS
    HELP BOOST YOUR CASH PROFITS

    Contact our account receivable factoring specialists at:

    Toll Free:  888-266-0197

    On-Line Factoring
    Request Form




    Partial List Of Industries That We Provide Factoring

    Factoring Staffing company

    Invoice Financing for business that provide staffing
    to commercial, industrial and government sites

    Factoring Building Products Distributor
    Invoice Financing for business that provide buiding products
    to commercial, industrial and government sites

    Factoring Manufacturing company
    Invoice Financing for business that provide maunfacturing
    to commercial, industrial and government sites 

    Factoring Maintenance Service
    Invoice Financing for business that provide maintainence
    to commercial, industrial and government sites 

    Factoring Service Providers
    Financing for small and medium sized service companies
    such as commercial suppliers, technology consultants
    and janitorial companies,etc.

    Factoring Metalized coating
    Invoice Financing for business that provide metalized
    to commercial, industrial and government sites 

    Factoring Auto Parts company
    Invoice Financing for business that provide auto parts
    to commercial, industrial and government sites 

    Factoring Powder Coating
    Factoring Cable Contractors
    Invoice Financing for business that provide cable
    to commercial, industrial and government sites 

    Factoring Utility Construction company
    Factoring Machine Shop
    Invoice Financing for business that provide machine shop services
    to commercial, industrial and government sites 

    Factoring Oil and Gas Industry
    Factoring Trucking company
    Financing for trucking companies,
    freight brokers and commercial transportation companies

    Factoring Freight Forwarding company
    Factoring Healthcare Staffing company
    Invoice Financing for business that provide healthcare
    to commercial, industrial and government sites 

    Factoring Government Contracts
    Financing for companies that provide services and products
    to state and federal government agencies

    Factoring Distributors
     
    Invoice Financing for business that provide distributors
    to commercial, industrial and government sites 

    Factoring Freight & Trucking
    Factoring Manufacturers
    Factoring Medical Practitioners
    Invoice Financing for business that provide medical practitioners
    to commercial, industrial and government sites 

    Factoring Security Guards
    Financing for companies that provide security guards
    to commercial, industrial and government sites

    Factoring Temp Staffing Agencies
    Financing for staffing and temporary employment
    in the business and medical services field

    And Many More





    Just Some of The Industries That we Provide Invoice Factoring Services
    Freight Factoring |  Government Contract Factoring | Medical Staffing Factoring
    |
    Temp Staffing Factoring | Oil & Gas Industry Factoring

     


    Staffing invoice factoring company
    Building Products Distributor cash flow factoring
    Building Products Waterproofing Distributor account factoring
    Manufacturing account receivable  factoring
    Maintenance Service receivable factoring
    Machine Knives invoice factoring company

    Custom Auto Body for Emergency and accounts receivable factoring company
    Municipality Vehicles  factoring  loan
    Parts and Installations business factoring
    Metalized coating invoice factoring company
    Auto Parts accounts factoring company
    Powder Coating invoice factoring
    Utility Construction receivables factoring
    Invoice Financing for business that provide utility construction
    to commercial, industrial and government sites 

    Machine Shop invoice factoring company
    Trucking invoice factoring company
    Invoice Financing for business that provide freight
    to commercial, industrial and government sites 

    Trucking - Refrigerated Freight  factoring
    Trucking - Dry Freight truck factoring
    Invoice Financing for business that provide trucking
    to commercial, industrial and government sites 

    Trucking - Over the Road freight  factoring company
    Security Services account receivable financing
    Commercial & Industrial Refrigeration invoice factoring
    Invoice Financing for business that provide refrigeration
    to commercial, industrial and government sites 




    You Can Learn More About Factoring Invoice Services Here

    How To Switch Invoice Factoring Companies

    Fuel Debit Card Programs Available For Freight and Trucking Companies
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    More Links to Help You Find Information

    accounts receivable loansinvoice factoring| factoring services
    | factoring business| bank factoringmedical receivable factoring
    | financing trucking

    We are currently providing account receivable factoring services nationwide including the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho State, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.