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Factoring Accounts Receivable

Factoring provides the leeway necessary to extend repayment periods for customers, and to access the funds owed in the time that’s right for you.  Reduce the time you wait for cash on hand by selling your accounts receivable to a factor.

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Factoring

What is Factoring?

Access to working capital for managing cash flow.

Factoring is not a loan. It’s a fast way to receive a cash advance on your accounts receivable. Invoices, purchase orders, and contracts can all be sold to a buyer called a “factor.” The factor advances funds up to 90% of the invoice value to your business for a fee. The factor takes over responsibility for collecting payment from your client. When the client pays, the factor retains a fee and remits the remaining funds to your company.

Transaction fees for factoring are based on the length of time between the sale of the asset and the time payment is due and your client’s payment history. For many businesses that are ineligible for any but high interest loans, Factoring is often a way to access funds at reasonable rates.

Traditional and Non-Traditional Lenders Available to you

Amount Of Capital Accessible Through Network

Quickest Time To Funding Commitment Through Motiva Capital

Fast

Because there are no lengthy credit checks or bureaucratic red tape, you can be approved for factoring in a matter of hours. That’s better than the 30, 60, or even 90 days repayment terms on some contracts.

Easy

Factoring is simple and straightforward, but not all factors operate the same. We will help you select a factoring firm that offers the terms and fees that suit your business. Once your account is set up, you can factor whenever you have accounts receivable invoices that are piling up and you need immediate cash.

Honest

We vet every factor we work with to make sure they’re licensed, trustworthy, and reliable. You won’t be left in the dark with hidden fees, poor customer service, and slow payments. Only the best make it into our highly rated lender network.
Factoring

F.A.Q.’s

When is Factoring not a good fit?
Factoring isn’t possible without accounts receivable. If your business operates without AR, consider a working capital line of credit or a hard money loan to get the cash you need quickly.
Can I use Factoring if I have bad credit?
Because factoring isn’t a loan, approval is based on your client’s ability to pay, not your credit score. If you’re building or repairing credit, factoring could be a great match for your business. All you need is accounts receivable to get started.
What do factors charge?

Factoring fees will be impacted by the credit worthiness and payment history of your customers. Factors will advance the majority of the receivables (up to 90%) to you up front. When the factor receives payment from your client, they recover their funds, take out a small fee, and send any remainder to you.  The total fees are based on the quality of your customers, the amount of your available line that you factor, and the number of days which those receivables remain outstanding.

How do I find the best factor to buy my AR?
We have an extensive network of lenders that are ready to help your business with factoring. Tell us about your needs and we’ll connect you to a reliable, experienced factor that can buy multiple accounts.

Factoring

Advantages

No debt added to your balance sheet.
Eliminates the wait between invoicing and client payments.
Offload the responsibility of collecting.
Use factoring as often as you need.

Motiva Capital

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Motiva Capital is your bridge to capital. Work directly with brokers who have been in your shoes. Let us show you what we can do for your business.

52 Tuscan Way Suite 202 Saint Augustine, Fl 32092

Office: +1(904) 404-8904
Fax: +1(786) 358-6083.

Support@MotivaCapital.com