Financial Institutions who Advance money to Business to Business (or Business to Government) companies secure their Advance payments with Accounts Receivable Invoices from a single (or multiple) customer(s) are called an Invoice Buyer organizations. These Invoice Buyer organizations are historically classified as Factoring companies or Factors. The primary mission of Invoice Buyers is to purchase  Accounts Receivable Invoices at a Discount and Advance money to the business and then Rebates the balance due to the business less the Discount when the customer pays the Invoice.

Collects the Accounts Receivable - Every business owner knows, sales alone do not measure the profitability of a company. For example, sales may be increasing, but your company may have to wait weeks or even months for payment. During that time, your company cannot pay employees, purchase materials or meet other basic operating expenses. Customers are more likely to pays their bills to a Financial Institution quicker than ordinary businesses.

Better Than A Bank - Most of us are aware of some of the roadblocks encountered in going to a bank to borrow working capital, payroll and or taxes. One of the biggest issuesis that banks generally only lend a specific amount of money. And as soon as you go through the process and borrow it, you have to begin paying it back. Invoice Buyer institutions Advance money quickly and you do not have to pay it back.

Steady Cash Flow - The amount of money that Invoice Buyers makes available to you isn't fixed. Nor is it only available to you for a limited amount of time. They provide a continuous weekly supply of money to meet your operation and payroll expenses.

Immediate Cash - The Invoice Buyer program liquidates monies that are tied up in your invoices. In many instances, these funds can be accessed within 24 to 48 hours.

Other benefits of Invoice Buyer funding include:

• Generation of working capital in as little as 24 hours. Accounts Receivable.
• Funding does not create a financial liability on your company’s balance sheet.
• Credit is established based on the credit worthiness of your customers, rather than on your company's financial history.
• Credit insurance on your invoices.
• Professional, customer friendly collection services.
• Existing credit lines are not a problem. Invoice Buyer institutions can work with your existing bank to facilitate factoring transactions.
• Quick access to working capital, instead of waiting 30, 60, 90, or even 120 days for customer to pay.
• Invoice Buyer programs are viable working capital solutions that keeps your company in complete financial and managerial control.

FACTORING Description:  

 Factoring is the time honored and increasingly utilized financial tool that speeds businesses cash flow.

To do this, factors purchase your credit-worthy accounts receivable at a small discount and convert your invoices (sales) into immediate cash. Partnering with a factor can relieve the problem that slow paying customers can create.

Factoring is not a loan. There is no debt repayment, no compromise to your balance sheet, no long-term agreements or delays associated with other methods of raising capital. Factoring allows you to use your own hard earned assets to create cash for the growth needs of your company.