Profitable businesses can still go under because of poor cash flows. Managing cash flows is a difficult part of any business. It becomes especially difficult when your  customers are delaying payments for up to 60 days after you provide a service or product. 

Factoring invoices is an excellent financial tool to help maintain proper cash flows in your organization. You have the freedom to choose which invoices and what customers to factor or you can outsource all of your accounts receivable department to a factor. The reduction in staff helps to offset the cost of factoring.

The factoring process is quite simple. Once you have an agreement in place with a lender (factor) you complete your business service or shipment of goods as usual. After completing your service or shipment you submit the invoice to the factor. The factor then forwards you up to 90% of that invoice, typically within 24 hrs. Once your customer pays the invoice the remaining amount minus a small agreed upon fee is forwarded to you.

Qualifying for factoring is much easier than traditional bank financing. A bank will focus on your company's financial history and cash flow while a factor will focus on the creditworthiness of your customers.

Spotlight Financial LLC works with some of the most competitive factoring companies in the world.  We tailor factoring packages to meet you needs and can handle request from individual invoices up to $5 million per month. Factoring can be arranged to be transparent to your customers. All quotations to you are delivered absolutely free and with no obligations.

Clients have 24 hour real time on line access to account information. Reports may include; updated aging report, collection report and purchase and advance report. Images of remittances received are also available on line.

Factoring services are available in the USA, Canada, Mexico, UK, Poland, France and Australia. If you are operating within one of these countries or exporting to one then our services are available for you.

If you really want to see how factoring can benefit your business, click on the cash flow calculator link. Set it up to model your situation. Once set up, add the cost of factoring to your cost of goods, lower your collection days and watch how your cash flow improves!   Cash Flow Calculator

Click here to see answers to frequently asked questions on accounts receivable funding.



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