APeX Financial > Factoring

Accounts Receivable Financing

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Funding is not a problem . . . it's a process!

If your customers are not paying their invoices in a timely manner we can factor these invoices and get you the cash you need now!

What are the benefits of factoring?

Factoring stimulates cash flow.
Factoring relies on the strength of a business's customers.
Factoring is accesible.
Factoring gets quick results.
Factoring is flexible.
Factoring does not create debt on your balance sheet.
Factoring increases your purchasing power, enabling you to do more business.
Factoring eliminates the need for bank loans or SBA Loans.
Factoring improves your credit rating, and gives you cash to meet your obligations.
Factoring eliminates using equipment, real estate or inventory for collateral.
Factoring saves on your in-house staff costs.
Factoring presents a professional image to your clients.
Factoring eliminates the need for venture capitalists or partners that share in decision-making and profits.
Factor all of your receivables, or only the ones you choose.
Stop factoring any time you choose without termination penalties.
Start again any time you need the service.

In many situations, factoring is more appropriate than bank financing, because factoring:

Is based only on the accounts receivable. A client’s ability to raise cash by factoring is based on the total accounts receivable, rather than on traditional measures of financial strength and stability.

Provides continuing cash flow without the requirement of periodic payments or interim payoffs. New sales continuously create new power to obtain cash, and the business does not have to deal with renewal of loans or worry about maturity dates.

Gives a business increased access to cash as sales and receivables increase. There is no ceiling beyond which the factor must stop providing cash. The more sales a business makes, the more cash it can draw. The factor does not concentrate on the business debt/equity ratio to provide funds, as banks do.

Offers a dependable, continuing source of cash without the necessity of making separate loan applications.

Avoids the necessity of obtaining funds from venture capitalists, who receive an interest in the business and generally have a say in how the business is run.

Saves the business owner precious time waiting for a loan board to grant or deny his or her loan. Loan boards’ decisions are influenced by many considerations, and the outcome is often unpredictable. With factoring, periodic delays and negotiations are eliminated, allowing the business owner time to do what he or she does best – run the business.

We look forward to working with you.
Office Phone: (877) 812-5105
Office Fax: (877) 812-5105
info@apex-financial.net

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