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Factoring History

Factoring History

Welcome to factoring. Whether you own a business, look forward to building one or are looking for new financial tools for your current employer, Factoring can help you reach your financial goals. Factoring has the ironic distinction of being the financial backbone of many of America's most successful businesess.

Why ironic? Because factoring is not taught in business colleges, 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 is the process of purchasing commercial accounts receivable(invoices) from a business at a discount. Business practices today dictate that in order to get business you, as a provider of goods and services, must extend terms to your customers.

These terms can squeeze the life(and cash is the lifeblood of any business) out of a new or struggling company.

Factoring has a long and rich tradition, dating back 4,000 years to the days of Hammurabi. Hammurabi was the king of Mesopotamia, which gets credit as the "cradle of civilization." In addition to many other things, the Mesopotamians first developed writing, put structure into business code and government regulation, and came up with the concept of factoring.

After a while, Hammurabi and the Mesopotamians went the way of extinct civilizations, but factoring endured. Almost every civilization that valued commerce has practiced some form of factoring, including the Romans who were the first to sell actual promissory note at a discount.

The first widespread, documented use of factoring occurred in the American colonies before the revolution. During this time, cotton, furs and timber were shipped from the colonies. Merchant bankers in London and other parts of Europe advanced funds to the colonists for these raw materials, before they reached the continent. This enabled the colonists to continue to harvest their new land, free from the burden of waiting to be paid by their European customers.

Recognize that these were not banking relationships as they exist today. If the colonists had been forced to use modern banking services in eighteenth century England, the process would have been much slower. The banks would have waited to collect from the European buyers of the raw materials before paying the seller of these goods, the colonists. (And at that point, who needed the bank?) This was not practical for anyone involved. So, just as today, the "factors" of colonial times made advances against the accounts receivable of clients, enabling the clients to continue with their operations, long before they had been paid for what they were sold.

With the advent of the Industrial Revolution, factoring became more focused on the issue of credit, although the basic premise remained the same. By assisting clients in determining the creditworthiness of their customers and setting credit limits, factors could actually guarantee payment for approved customers.

This is known as factoring without recourse(or non-recourse factoring)and is quite common in business today. Prior to the 1930's, factoring in this country occurred primarily in the textile and garment industries, as the industries were direct descendants of the colonial economy that used factoring so specifically. after the war years, factors saw the potential to bring factoring to other forms of invoice-based business and the expansion began.

Today, factors exist in all shapes and sizes: as divisions of large financial institutions or, inlarger numbers, as individually owned and operated entreprenurial endeavors. Many of these private factors sprung up in record numbers as interest rates rose to new heights in the 60's and 70's. This trend intensified in the 80's, primarily due to the increasing impact of interest rates and changes in the banking industry. With banks becoming too expensive and too inflexible due to heavy regulation(remember the Savings and Loan crisis?), the small businessperson was forced to find other sources of financing for expansion and growth. As more and more banks stop befriending the small bussinesperson, factoring is becoming an increasingy popular option.

This year alone thousands of businesses will sell billions of dollars in accounts receivable, and they are doing it for profit, growth, and in some cases , their very survival.

How Factoring Works

The First Step:
The Client application

You begin by filling out a simple client profile, which we will provide you. Please click here for profile. This profile will cover basics such as your company's name and address, the nature of your business, and information about your customers.

You may need to supply an accounts receivable aging report, existing customers' credit limits, or other related documents. Remember the factor will attempt to determine the creditworthiness of your customers independent of their credit history with your business. We want a broader view of their overall credit status.

During this initial stage you will also cover basic financial arrangements with the factor. For instance, what will be the monthly volume of invoices you want to factor(i.e. how liquid do you need to be)? What will the advance rate and the discount rate be? How quickly will the factor issue the advance to you?

In most cases, the answers to these questions will vary depending on the financial strength of your customer(s) and the anticipated monthly sales volume to be factored. Variations between industries, length of time in operation, and general reputation of how risky a customer of yours may be. For instance, a long list of high-risk clients will cost you more in factoring fees than a short list of government agencies with a slow-pay history.

In the factoring business, volume is all important. The higher your volume(the dollar amount of invoices you factor), the more favorable your rates will be.

The factor will use the client profile you submit to determine if your business is suitable for factoring. This process is simply the factor analyzing the risks versus the rewards, using the information you provided.

Once approved, you can expect to negotiate terms and conditions. The negotiation process takes several aspects of the deal into consideration. For instance, if you want to factor $10,000, you can't expect as good a deal as a company that wants to factor $500,000.

During the negotiation process, you will become well aware of what it costs to factor your accounts receivable. After you reach an agreement with the factor, the funding wheels begin to roll. The factor conducts due diligence by researching y our customers' credit and any liens placed against your company. The factor also confirms the legitimacy of your invoice before buying your receivables and advancing cash to you.

Why Factoring?

Why Factoring is Necessary

"A sale is not a sale until you collect the money"

Are you a part-time banker for your customers??

Take a look at your accounts receivable aging schedule and count the number of accounts over 30 days.Congratulations, you are extending credit to those customers. You are not getting paid for delivering your end of the deal in a timely manner and as a result you are providing the use of your money to your customer for free. Not exactly the business you thought you were getting into, is it?

Ask yourself this question:

If those customers of yours went to a bank, borrowed the same amount of time, would they expect to pay a substantial amount of interest for the privilege? Of course they would!

And consider this:

Not only are you receiving no interest on that money, but most importantly,you are also losing the use of that money while you are waiting for your customer to pay you. What is the cost of not having this money available? In essence, your customers are asking you to finance their business by extending terms and allowing them to pay in 30 days (and usually longer, right?).

But what is it costing you in "missed opportunities" when your money is tied up in your accounts receivable?

Is Invoice Factoring For You?

The key to knowing if factoring is for you is to not to look only at the bottom-line factoring fee, but also to consider how your company may increase it's profits through factoring. Here is additional information on factoring to help you with your decision.

How are invoice factoring fees and advance rates determined

It is based on several factors:

The creditworthiness of your clients

Your monthly billing volume

Average invoice size

Average days to payment

Fees can range from 2-5 % of the invoice's face value.

For example if the invoice's value is $1,000; a fee of 3% equals $30.

What is an advance?

The amount of money you receive immediately when we buy your invoice. The balance is returned to you when your customer pays the invoice. Advances range from 60-95% of the invoice's face value.

For example if the invoice's value is $1,000 an advance rate of 80% equals $800. The balance of $200 less the factoring fee is returned to you when your customer pays the invoice.

Comparing Bank Lending Rates to Factoring?

When compared to bank lending rates, factoring initially appears to be very expensive. Here are five typical questions/concerns that are raised by potential factoring clients

Wow! 3 points per month!

That's 36 percent year! (Rates range from 1.5- 3 points) It is tempting to annualize the numbers, but that is an "apples and oranges" comparison.Banks loan money at an annualized interest rate, 12 percent per year for example. We purchase your receivables at a discount. The products are different and there are other inconsistencies to this inappropriate comparison

The bank provides the money only one time, the day that you receive the loan; we provide money continuously. As an example, consider a bank loan for $100,000 at 12 percent. You receive the $100,000 just one time and then pay $1,000 interest per month interest and you still owe the $100,000. Or the bank could provide you with a line of credit that you use only when you need the money but the bank is charging you for that privilege and if you need to increase your line you need to go through the qualifying process all over again.

When you factor $100,000 each month for a year you have the use of $1.2 million (12 x $100,000) over the year. Unlike a bank loan where you have just $100,000 one time. Assuming a 3 point discount, the fees over the year will be 12 x $3,000 or $36,000, which is still 3 percent of $1.2 million. And at the end of the year you have no debt!

I'm only making 3% profit, how can I pay you 3 points?

A company making only 3% net profit can do more business volume as a result of factoring, and the larger volume will result in a higher profit margin because fixed costs do not increase with volume. The added business at a higher marginal profit leads to an increased overall profit margin. As the volume increases, the cost of production decreases, so that profits increase. Fixed costs i.e., rent, electric, insurance, etc., increase very little or not at all with volume. An increase in business will not affect rent. Electric bills may rise slightly. Workers compensation insurance may rise slightly. These costs do not increase as do direct production costs.

Let's graphically do the math assuming you can double your sales Without Factoring

Monthly Gross Sales-$50,000
Cost of Goods Sold-$30,000 60% of Gross Sales
Monthly Gross Profit-$20,000-40% of Gross Sales
Fixed Expenses-$10,000
Variable Expenses-$8,500-17% of Gross sales
Factoring Fee-N/A
Total Expenses-$18,500-37% of Gross Sales
Monthly Net Profit-$1,500-3% of Gross Sales

With Factoring

Monthly Gross Sales-$100,000
Cost of Goods Sold-$60,000-60% of Gross Sales
Monthly Gross Profit-$40,000-40% of Gross Sales
Fixed Expenses-$10,000
Variable Expenses-$17,000-17% of Gross Sales
Factoring Fee-$3,000-3% Fee
Total Expenses-$30,000-30% of Gross Sales
Monthly Net Profit-$10,000-10% of Gross

But I only get 80% of my money upfront!

(Advances typically range from 80%-97%) Let's assume an advance rate of 80%. Let's also assume that you begin factoring in January. You have factored $100,000, we pay you $80,000 of that money upfront, with the remaining money making up the fee (3%) of $3,000 and the reserve (17%) of $17,000.

Now in February, you once again factor $100,000 and receive $80,000. However. you also receive your January reserve of $17,000(assuming your customer pay in 30 days). So for February, you actually receive 97% of your money, instead of 80%. In the second month and going forward you are basically receiving 97% of your cash flow.

But what if my customers take longer than 30 days to pay?

You have several options, Assume your client takes 60 days to pay you bill your client in the normal fashion and simply allow 30 days to go by prior to factoring that invoice. That way you pay the 30 day fee. Another way is to factor your faster customers first for the cash you need.

Credit Risk

Quick Continuous Cash Yes!

You Also Get Our Credit Risk Expertise at No Additional Fee

Accurately assessing credit risk is really the essential part of our factoring business. Few, if any, business clients can perform this function as objectively as we will.

For no additional fee, we act as your credit department for new and existing customers. This provides you with a huge advantage over in-house performance of these functions.

Consider the scenario where a salesperson has a new account with a potential for large purchases. The salesperson wants the business-so much so that he or she may overlook red flags associated with credit difficulties. The salesperson may even walk the account through your own internal credit checking procedures, in order to side step established controls. While this may get you the sale, it won't get the money, and with no money, there is no sale.

This will not happen with us. We make credit decisions with full knowledge of the new customer's credit situation. We will not buy the invoices of a poorly-rated customer and risk nonpayment. But don't look upon our participation as a tightening of credit to the extent that your business will be affected in a way that is beyond your control.

If you have a new customer with questionable creditworthiness, the decision to do business with that person is still yours. (However, we will reserve the right to say "I told you so!")

We may not buy those invoices, but you are still free to extend credit terms as you see fit. You remain in control Whatever decisions are made, you can be assured that, because of the factor's participation,you will be making decisions and extending credit based on more complete, objective and higher quality information than you have in the past.

We will fully research new clients and, equally important, we will routinely check the credit ratings of your existing customers. This contrasts greatly with most businesses, where routine credit updates are seldom run on the established customer base. This is potentially a huge mistake.

When a business does opt to do a credit check, it is usually too late and the problem is already out of hand. On the other hand, we will inform you immediately if there is a change in the credit status of one of your existing customers.

In addition to the specific customer credit information that we provide, you will have the benefits of comprehensive, detailed reports on your accounts receivables as a whole. As a part of the process you will receive accounting, transactional details, aging reports and financial management reports that allow you to incorporate this data into your own sales tracking, account history and in-depth analysis

We have more than 70 years of successful cash flow and credit management experience we would love to put to work for you.

Switching Factoring Companies

Everything you need to know about changing factoring companies.

Looking for a new factoring company?
Unhappy with your current factor?
Thinking of leaving your factoring company?
What do I need to know if I want to change factoring companies?

Here are the answers to these questions and more:

What is a UCC and how does it apply to me wanting to change factoring companies?

It is standard industry practice for a factoring company to file a blanket Uniform Commercial Code (UCC) to secure the factor's first position security interest on the invoices funded.

The UCC is a way for factoring companies, banks and commercial lenders to keep straight who is lending on what assets. Because receivables change on daily basis as new invoices collect and old invoices are paid, factors must file what is called a 'blanket' UCC filing collateralizing all of your receivables even though you may only be factoring a portion of your sales. It's simply impossible for factors to file a new UCC for each invoice funded. The UCC is simply a flag for other lenders who chose to run a search indicating a Security Agreement exists between your company and the factoring company.

The details of your particular factoring arrangement, such as rates and which accounts are factored, are outlined in the Security Agreement itself which is not public not. A UCC is similar to a first mortgage on your business.

The Buyout Process

The lender with the oldest dated UCC filing is said to be in 'First Position' on the pledged collateral. For example, a factor has first rights to collect payments on your invoices and all the related surrounding instruments.

Factoring companies do not take a second position because the lender in first position could legally take the check right out of the hands of the second position factor at any time and have every legal right to do so. It's a similar concept to ensuring you get the pink slip when purchasing a vehicle. You wouldn't want to have someone come along one day, unannounced and take the vehicle you thought you owned and have every legal right to do so!

To change factoring companies the old factor must be paid off by the new factor. Simultaneously the old factor's lien is released and the factor's lien is filed which is similar to refinancing your home.

A 'buyout' is the practice where the new factoring company pays off the old factoring company using proceeds from your first funding. The Buyout Agreement outlines the transition process and is a three party agreement signed by the old factoring company, new factoring company and your company. In the Buyout Agreement you approve the 'buyout figure' provided by the old factoring company.

How is the Buyout Figure Calculated:

The buyout figure is generally calculated by taking the Gross Receivables Outstanding subtracting any reserves and then adding in fees due to the old factoring company. If not automatically provided, it's best to ask for a breakdown as to how your figure was calculated. This way you can be sure you understand if any early termination fees or other fees on top of your usual factoring charges have been included.

It's important to understand the buyout figure because once you authorize that amount the old factor is paid off you have released any recourse to old factor. From that point forward you are only dealing with the new factor.

If you are going from a factoring agreement with an 80% advance rate to a 90% advance rate it's possible there will be enough proceeds to payoff the old factor without your having to come up with additional invoices.

How much does the buyout cost?

If you are able to submit brand new invoices to the new factoring company which they can use to payoff the outstanding invoices at your old factor then there would be no additional cost to you to make the change. Then, as the payments come in on the old invoices outstanding from the old factor, as part of the buyout agreement, those payments are forwarded to the new factor who would turn around and forward those to you as non-factored at no cost.

That is an ideal situation however, to come up with the payoff figure most companies need to resubmit at least a portion of invoices already factored with the old factor to the new factor. If that is the case, the invoices part of the 'overlap' will incur factoring fees from both factors.

Therefore, depending on your fee structure your factoring fees the first month of the change could be higher than normal. If you'll be getting a lower rate from your new factoring company you can calculate how many months it will take you to recoup that expense and run a cost benefit analysis.

Depending on the size of the transaction, some factoring companies offer reduced fees on invoices part of a buyout. You also want to make sure you give the proper notice of intent to terminate to your old factor (if required) to avoid any early termination fees to leave their contract early (refer to the Security Agreement Section titled 'termination or early termination.'

How long does a buyout take?

When you are changing factoring companies it's best to plan on the first funding taking a two to three more days than the normal factoring application setup process. The added days will be needed at the time of invoice verification and just before funding as buyout figures are calculated and sent to you for your approval.

It's not uncommon for buyout figures to change because fees continue to accrue and invoices collect so it's sometimes necessary to get updated buyout figure at the very last minute. By aligning yourself with a factoring company familiar with the buyout process they can guide you through timing to minimize any delays in your funding as a result of the transition. This is especially critical if you have weekly payroll to meet and cannot spare a few days delay in funding.

What if my situation is not that easy? Although it is not common industry practice, it's possible the old factoring company and the new factoring company can work together via an Intercreditor or Subordination Agreement until the old factor is paid off.

Depending on the circumstances, factors have been able to 'draw a line in the sand' where the old factor has rights to invoices up to a certain date and the new factor has rights to all invoices after that date.

Questions you wish you had asked before you signed up with your current factor:

How many factoring companies can I use at one time? By the way, the universal answer is one (per the Uniform Commercial Code/UCC).

If I decide I want to change factoring companies how much notice will I need to give?

What is the penalty if I want to leave without giving the required notice and please provide an example of how the fees would be calculated. Caution: be on the look out for 12 month factoring contracts where requiring a certain factoring volume per month.

For example, a 12 month contract where you've agreed to factor $100,000 per month at a rate of 2% means you promise to pay them $2,000 per month in factoring fees or $24,000 in total factoring fees over the next year.

If you want to leave after 6 months they will charge you the fees you would owe them for the remaining 6 months in the contract which in this example equals $12,000. That is cost prohibitive for most companies especially trucking companies working on very low profit margins. You're stuck!

Even worse, the trucking industry in specific is very volatile and it's hard to know how many trucks you will have running for you over the course of the next year. Can you imagine committing to factor $100,000 per month and then having some unexpected circumstance require you to let go half of your owner operators yet you still have to pay the factor $2,000 per month regardless of how many trucks you are running?

Do you use a bank lock box to post my customer payments?

If so, how many days does it take for one of my customer's payments to post to my account from the date the bank receives my customers check? This process has been known to artificially inflate the invoice turn and therefore increase your factoring fees.

How many days do you hold my original invoices before mailing them out to my customers?

The answer should be same day. Invoices are cash and should not be left sitting around. Not to mention, this is another way to artificially inflate the invoice turn and increase the factors fees. How many different people will I work with at your company? Some factoring companies have either a lot of turnover or operate call centers where you start with a new representative every time you call in. Other factors offer dedicated account administrators to be your point of contact.

Do I need to pay for postage for you to mail my invoices?
That should be included in the factoring fees.

Do you charge me every time I have a new customer to credit check?
Do you charge me every time I setup a new customer?
Do you 'batch' my invoices and make me pay fees on all the invoices
submitted in a particular batch until the very last invoice in that batch has collected?
Do you start holding reserves once a customer hits 60 days even though I have 90 day recourse?

A little history on the Trucking Industry

The Logistics and Transportation Industry in the United States

The logistics and transportation industry in the United States is highly competitive. By investing in this sector, multinational firms position themselves to better facilitate the flow of goods throughout the largest consumer market in the world.. International and domestic companies in this industry benefit from a highly skilled workforce and relatively low costs and regulatory burdens.

Shipping Port

Spending in the U.S. logistics and transportation industry totaled $1.33 trillion in 2012, and represented 8.5 percent of annual gross domestic product (GDP). Analysts expect industry investment to correlate with growth in the U.S. economy.

A highly integrated supply chain network in the United States links producers and consumers through multiple transportation modes, including air and express delivery services, freight rail, maritime transport, and truck transport. To serve customers efficiently, multinational and domestic firms provide tailored logistics and transportation solutions that ensure coordinated goods movement from origin to end user through each supply chain network segment.

Industry Subsectors

Logistics services: This subsector includes inbound and outbound transportation management, fleet management, warehousing, materials handling, order fulfillment, logistics network design, inventory management, supply and demand planning, third-party logistics management, and other support services. Logistics services are involved at all levels in the planning and execution of the movement of goods.

Air and express delivery services (EDS): Firms offer expedited, time-sensitive, and end-to-end services for documents, small parcels, and high-value items. EDS firms also provide the export infrastructure for many exporters, particularly small and medium-sized businesses that cannot afford to operate their own supply chain.

Best Freight Factoring Companies

Freight rail: High volumes of heavy cargo and products are transported long distances via the U.S. rail tracking network. Freight rail moves more than 70 percent of the coal, 58 percent of its raw metal ores, and more than 30 percent of its grain for the nation. This subsector accounted for approximately one third of all U.S. exports.

Maritime: This subsector includes carriers, seaports, terminals, and labor involved in the movement of cargo and passengers by water. Water transportation carries about 78 percent of U.S. exports by tonnage, via both foreign-flag and U.S.-flag carriers.

Trucking: Over-the-road transportation of cargo is provided by motor vehicles over short and medium distances. The American Trucking Associations reports that in 2012, trucks moved 9.4 billion tons of freight, or about 68.5 percent of all freight tonnage transported domestically. Motor carriers collected $642 billion in revenues, or about 81 percent of total revenue earned by all domestic transport modes.

Industry Associations:

American Association of Port Authorities
American Society of Transportation and Logistics
American Trucking Associations
Association of American Railroads
Council of Supply Chain Management Professionals
Express Delivery and Logistics Association
Industry Publications:

American Shipper
Journal of Commerce
Material Handling & Logistics
Transport Intelligence
Transport Topics

North American Industry Classification System For Transportation

The Transportation and Warehousing sector includes industries providing transportation of passengers and cargo, warehousing and storage for goods, scenic and sightseeing transportation, and support activities related to modes of transportation. Establishments in these industries use transportation equipment or transportation related facilities as a productive asset. The type of equipment depends on the mode of transportation. The modes of transportation are air, rail, water, road, and pipeline.

The Transportation and Warehousing sector distinguishes three basic types of activities: subsectors for each mode of transportation, a subsector for warehousing and storage, and a subsector for establishments providing support activities for transportation. In addition, there are subsectors for establishments that provide passenger transportation for scenic and sightseeing purposes, postal services, and courier services.

A separate subsector for support activities is established in the sector because, first, support activities for transportation are inherently multimodal, such as freight transportation arrangement, or have multimodal aspects. Secondly, there are production process similarities among the support activity industries.

One of the support activities identified in the support activity subsector is the routine repair and maintenance of transportation equipment (e.g., aircraft at an airport, railroad rolling stock at a railroad terminal, or ships at a harbor or port facility). Such establishments do not perform complete overhauling or rebuilding of transportation equipment (i.e., periodic restoration of transportation equipment to original design specifications) or transportation equipment conversion (i.e., major modification to systems). An establishment that primarily performs factory (or shipyard) overhauls, rebuilding, or conversions of aircraft, railroad rolling stock, or a ship is classified in Subsector 336, Transportation Equipment Manufacturing according to the type of equipment.

Many of the establishments in this sector often operate on networks, with physical facilities, labor forces, and equipment spread over an extensive geographic area.

Truck Transportation

You Can Find More Transportation Invoice Factoring Information at Best Trucking Factoring
and at Factortrucking.Org

Industries in the Truck Transportation subsector provide over-the-road transportation of cargo using motor vehicles, such as trucks and tractor trailers. The subsector is subdivided into general freight trucking and specialized freight trucking. This distinction reflects differences in equipment used, type of load carried, scheduling, terminal, and other networking services. General freight transportation establishments handle a wide variety of general commodities, generally palletized, and transported in a container or van trailer. Specialized freight transportation is the transportation of cargo that, because of size, weight, shape, or other inherent characteristics require specialized equipment for transportation.

Each of these industry groups is further subdivided based on distance traveled. Local trucking establishments primarily carry goods within a single metropolitan area and its adjacent nonurban areas. Long distance trucking establishments carry goods between metropolitan areas.

The Specialized Freight Trucking industry group includes a separate industry for Used Household and Office Goods Moving. The household and office goods movers are separated because of the substantial network of establishments that has developed to deal with local and long-distance moving and the associated storage. In this area, the same establishment provides both local and long-distance services, while other specialized freight establishments generally limit their services to either local or long-distance hauling.

General Freight Trucking

This industry group comprises establishments primarily engaged in providing general freight trucking. General freight establishments handle a wide variety of commodities, generally palletized, and transported in a container or van trailer. The establishments of this industry group provide a combination of the following network activities: local pickup, local sorting and terminal operations, line-haul, destination sorting and terminal operations, and local delivery.

General Freight Trucking, Local

This industry comprises establishments primarily engaged in providing local general freight trucking. General freight establishments handle a wide variety of commodities, generally palletized and transported in a container or van trailer. Local general freight trucking establishments usually provide trucking within a metropolitan area which may cross state lines. Generally the trips are same-day return.

General Freight Trucking, Long-Distance

This industry comprises establishments primarily engaged in providing long-distance general freight trucking. General freight establishments handle a wide variety of commodities, generally palletized and transported in a container or van trailer. Long-distance general freight trucking establishments usually provide trucking between metropolitan areas which may cross North American country borders. Included in this industry are establishments operating as truckload (TL) or less than truckload (LTL) carriers.

General Freight Trucking, Long-Distance, Truckload

This U.S. industry comprises establishments primarily engaged in providing long-distance general freight truckload (TL) trucking. These long-distance general freight truckload carrier establishments provide full truck movement of freight from origin to destination. The shipment of freight on a truck is characterized as a full single load not combined with other shipments.

General Freight Trucking, Long-Distance, Less Than Truckload

This U.S. industry comprises establishments primarily engaged in providing long-distance, general freight, less than truckload (LTL) trucking. LTL carriage is characterized as multiple shipments combined onto a single truck for multiple deliveries within a network. These establishments are generally characterized by the following network activities: local pickup, local sorting and terminal operations, line-haul, destination sorting and terminal operations, and local delivery.

Specialized Freight Trucking

This industry group comprises establishments primarily engaged in providing local or long-distance specialized freight trucking. The establishments of this industry are primarily engaged in the transportation of freight which, because of size, weight, shape, or other inherent characteristics, requires specialized equipment, such as flatbeds, tankers, or refrigerated trailers. This industry includes the transportation of used household, institutional, and commercial furniture and equipment.

Freight Invoice Factoring Companies

Used Household and Office Goods Moving

This industry comprises establishments primarily engaged in providing local or long-distance trucking of used household, used institutional, or used commercial furniture and equipment. Incidental packing and storage activities are often provided by these establishments. Specialized Freight (except Used Goods) Trucking, Local

Specialized Freight (except Used Goods) Trucking, Long-Distance

This industry comprises establishments primarily engaged in providing long-distance specialized trucking. These establishments provide trucking between metropolitan areas that may cross North American country borders.

You Can Find More Transportation Invoice Factoring Information at Staffing Factoring Companies
Freight Broker

A freight broker is an individual or company that serves as a liaison between another individual or company that needs shipping services and an authorized motor carrier. Though a freight broker plays an important role in the movement of cargo, the broker doesn't function as a shipper or a carrier. To operate as a freight broker, a business or individual must obtain a license from the Federal Motor Carrier Safety Administration (FMCSA). Freight brokers are required to carry surety bonds as well.

Freight broker services are valuable to both shippers and motor carriers. Freight brokers help shippers find reliable carriers that might otherwise be difficult to locate. They assist motor carriers in filling their trucks and earning money for transporting a wide variety of items. For their efforts, freight brokers earn commissions.

Freight brokers use their knowledge of the shipping industry and technological resources to help shippers and carriers accomplish their goals. Many companies find the services provided by freight brokers indispensable. In fact, some companies hire brokers to coordinate all of their shipping needs.

Often, freight brokers are confused with forwarders. Though a freight forwarder performs some of the same tasks as a freight broker, the two are not the same. A forwarder takes possession of the items being shipped, consolidates smaller shipments, and arranges for the transportation of the consolidated shipments. By contrast, a freight broker never takes possession of items being shipped thus in the absence of negligent entrustment, a freight broker is not normally involved as a party litigant in a cargo claim dispute, although as an accommodation, the freight broker may assist the shipper at their request and expense with filing freight claims.

Trucking And Factoring

NAICS Index Description

Best Transportation Factoring Company

484110 Bulk mail truck transportation, contract, local
484110 Container trucking services, local
484110 General freight trucking, local
484110 Motor freight carrier, general, local
484110 Transfer (trucking) services, general freight, local
484110 Trucking, general freight, local
484121 Bulk mail truck transportation, contract, long-distance (TL)
484121 Container trucking services, long-distance (TL)
484121 General freight trucking, long-distance, truckload (TL)
484121 Motor freight carrier, general, long-distance, truckload (TL)
484121 Trucking, general freight, long-distance, truckload (TL)
484122 General freight trucking, long-distance, less-than-truckload (LTL)
484122 LTL (less-than-truckload) long-distance freight trucking
484122 Motor freight carrier, general, long-distance, less-than-truckload (LTL)
484122 Trucking, general freight, long-distance, less-than-truckload (LTL)
484210 Furniture moving, used
484210 Motor freight carrier, used household goods
484210 Trucking used household, office, or institutional furniture and equipment
484210 Used household and office goods moving
484210 Van lines, moving and storage services
484220 Agricultural products trucking, local
484220 Automobile carrier trucking, local
484220 Boat hauling, truck, local
484220 Bulk liquids trucking, local
484220 Coal hauling, truck, local
484220 Dry bulk trucking (except garbage collection, garbage hauling), local
484220 Dump trucking (e.g., gravel, sand, top soil)
484220 Farm products hauling, local
484220 Flatbed trucking, local
484220 Grain hauling, local
484220 Gravel hauling, local
484220 Livestock trucking, local
484220 Log hauling, local
484220 Milk hauling, local
484220 Mobile home towing services, local
484220 Refrigerated products trucking, local
484220 Rubbish hauling without collection or disposal, truck, local
484220 Sand hauling, local
484220 Tanker trucking (e.g., chemical, juice, milk, petroleum), local
484220 Top-soil hauling, local
484220 Tracked vehicle freight transportation, local
484220 Trucking, specialized freight (except used goods), local
484230 Automobile carrier trucking, long-distance

Factoring Trucking Business

484230 Boat hauling, truck, long-distance
484230 Bulk liquids trucking, long-distance
484230 Dry bulk carrier, truck, long-distance
484230 Farm products trucking, long-distance
484230 Flatbed trucking, long-distance
484230 Forest products trucking, long-distance
484230 Grain hauling, long-distance
484230 Gravel hauling, long-distance
484230 Livestock trucking, long-distance
484230 Log hauling, long-distance
484230 Mobile home towing services, long-distance
484230 Radioactive waste hauling, long-distance
484230 Recyclable material hauling, long-distance
484230 Refrigerated products trucking, long-distance

484230 Refuse hauling, long-distance
484230 Rubbish hauling without collection or disposal, truck, long-distance
484230 Sand hauling, long-distance
484230 Tanker trucking (e.g., chemical, juice, milk, petroleum), long-distance
484230 Tracked vehicle freight transportation, long-distance
484230 Trash hauling, long-distance
484230 Trucking, specialized freight (except used goods), long-distance
484230 Waste hauling, hazardous, long-distance
484230 Waste hauling, nonhazardous, long-distance

Back to More Trucking Factoring Companies Information. LEARN MORE ABOUT...Best Trucking Factoring Company

Freight Factoring / Freight Factoring Freight Companies all across the nation depend on Freight factoring to run and operate their Companies. Freight factoring stabilizes your cash flow by giving you immediate cash for your Freight bills upon load delivery. You don’t have to wait 30 to 60 days for your customers to pay, which enables you to handle more deliveries.

Freight bill factoring provides a complete financing alternative to negotiating with every single Freight broker for which you deliver goods. Freight factoring Companies handle all your invoices, no matter how many brokers you have. This is especially important for Freight Companies that work with a large number of Freight brokers.

If you operate a Freight company, and your shipping customers and Freight brokers have good credit but are slow paying their Freight bills then you should consider hiring one of the top Freight factoring Companies to help you. Not only do you get cash advances, but you often receive other benefits such as fuel cards; fuel discounts; tire and maintenance discount programs, and free Freight-matching load boards versus paying for loads on boards.

Freight factoring rates Truck factoring Companies offer rates as low as 1% for the largest carriers. Owner-operators and truck Companies with one to five trucks can expect to pay at least 2.5 to 3% for Freight factoring services, depending on monthly volume and customers. Freight factoring rates are very competitive.

Freight advance rates Freight Companies enjoy the best advance rates in the factoring industry. Other types of Companies such as staffing or construction often carry advance rates of 85% or less, but Freight cash advance rates are often 95% or more. Some Freight factoring Companies fully-fund 100% of your Freight bills, advancing the entire invoice amount less factoring fees.

Non-recourse factoring

Many Freight factoring Companies offer the option of non-recourse factoring which is a credit guarantee that protects you from customer non-payment due to credit issues. Non-recourse factoring usually costs more than recourse, but it may give you the peace of mind you need to sleep at night. Recourse and non-recourse factoring pertain only to non-payments resulting from credit issues such as insolvency or bankruptcy. You’re still liable for disputed claims, non-delivered goods or incorrect billing.

How Freight bill factoring works

Complete the delivery of goods to your customer and send your Freight bill (or bill of lading) to your Freight factoring company.

The Freight factoring company purchases your Freight bills and sends you cash for up to 100% of the invoice within 24 to 48 hours.

The Freight factoring company collects payment from your customers and sends you any reserve as final payment.

Truck factoring Companies advance you cash to keep your trucks on the road, but they also do much more. Freight factoring Companies typically provide back office functions such as credit checks on brokers and shippers; invoice generation and submission; receivables processing and accounting; as well as professional collections. These services are extremely helpful to any trucker, whether you are a single owner-operator or a large carrier.

Speed is critical in the Freight industry, especially when you need to get paid for your deliveries. It’s why the entire Freight industry depends on Freight factoring. Whether you’re an independent owner-operator, mid-size fleet, or large carrier, you’ll benefit from Freight bill factoring for consistent cash flow. Freight factoring is the fastest way to get paid by your shippers and Freight brokers, so you can deliver more loads and grow your business.

Best Trucking Factoring

Truck Factoring-How to do it right

It’s no secret that your ability to control your cash flow will make or break your Freight business — whether you’re a solo independent owner/operator or you’re the proud owner of a 50 truck fleet. If buying float time with the creative use of credit cards or going to your banker, hat in hand, to request a business line of credit has all the appeal of a root canal, there is another option available for small Freight fleets and owner-operator Companies: Freight bill factoring. For those of you unfamiliar with the practice, transportation factoring is nothing more than assigning your unpaid Freight bills to a third party company for less than you would receive if you were to bill your customer and wait for payment. This enables you to get paid more quickly upon completion of a run, giving you faster access to the cash you need for funding your day-to-day operations. Here’s how Freight factoring works, step-by-step:

1) Once you book your load, you fax or email details about your customer, the load, and your rate confirmation to the factoring service.

2) The factoring service lets you know if your customer is approved for load factoring

3) You pull the load

4) When you’re empty, you fax or mail your Bills of Lading and load-related documents to the factoring company.

5) Later that day (or within 24 hours) the factoring company will initiate a direct deposit to your bank account (which could be 60%-90% of your billing).

6) Once your customer has paid the invoice, you would receive the balance

Transportation invoice factoring isn’t for everyone, but it could provide you with the cash you need to keep your wheels turning and provide some stability to your Freight business while you wait for your customer to pay their Freight bill.

Best Trucking Factoring

The best option for you is to invoice your customer directly and wait for payment to come in, but many customers are very slow to pay their invoices. If you need the cash right away, working with Freight factoring Companies might provide the financial cushion that you need to keep your trucks on the road.

Only you can determine if truck factoring makes sense — and this information should arm you with the knowledge you need to make a wise decision and keep from being victimized by a dishonest transport factoring company that might not have your best interests in mind. —————————-

First, it should be noted that truck factoring is not free. There is a cost involved. It’s up to you as a business owner to make a determination as to whether or not it’s worth the cost — which can vary from as little as 1.5% to as much as about 5% of the line haul revenue.

It’s also important to note that you will likely face paying a number of fees, charges, and other expenses if you utilize the services of a Freight bill factoring service. In most cases, your net proceeds from assigning your bills of lading to a factoring company will more than likely result in your receiving an advance of 60%-90% of the anticipated revenue (depending upon the factoring service you utilize). The balance would be remitted to you once your customer pays their bill.

Second, all Freight factoring services are not created equally.

Here are some key questions to ask when considering Freight factoring Companies:

Do you provide recourse- or non-recourse-based Freight factoring services?

The name may seem unfamiliar, but the ramifications to your profitability could be substantial: Recourse-based Freight factoring means that if your customer fails to pay the factoring service, that you will allow them to come back to you for reimbursement; whereas, non-recourse-based Freight factoring means that even if the bill doesn’t get paid, you have your money.

Do you require me to let you bill my customer for all future loads I pull for them or can this be done on a load-by-load basis?

While you may have a temporary cash shortfall that you’re trying to cover by utilizing the services of a Freight factoring service, many will require that they handle all future Freight bill collections for monies owed to you by that customer. Depending upon the customer, you may not want to go this route, but keep in mind that some factoring Companies are very firm about this requirement.

Some Freight bill factoring services give you the option of deciding on a load-by-load basis whether to handle the billing and collections yourself or whether to let them handle it on your behalf. In addition, factoring services that will let you make the decision yourself will also let you decide whether you want immediate payment or payment when the invoice is actually paid. This can be convenient for you, because it will almost permit you to utilize the Freight factoring service as a de facto billing service Is there a price difference if I let you bill my customer for all loads that I pull for them?

Some Freight factoring Companies may permit you to decide on an invoice-by-invoice basis whether you want to bill your customer yourself or have them do it, while others require all billings to originate through them. If you utilize their services on a “spot-usage” basis and don’t elect to have a particular invoice factored, you will still likely be faced with paying $15-$20 for billing. You would then receive payment once your customer pays the invoice. Do you charge extra fees for additional services?

Requirements for Customers — Most Freight factoring Companies won’t automatically pay invoices from your customers. They will want to have a reasonable assurance that your customer isn’t a deadbeat, so they will likely require a credit check to ensure that there is a likelihood that they will be paid. Most transportation factoring Companies will do a credit check on your customer for you (which could involve a nominal fee). Other factoring services will give you access to a list of customers that are “pre-approved” — Companies that meet their credit requirements. This can also come in handy for you, especially if you want to know a prospective customer’s credit prior to booking the load. Do you require deposits? And do you advance 100% of the Freight bill?

Some factoring services will require deposits, while others will not. Before signing on the dotted line, be sure to ask so that you have a clear understanding of exactly what you are getting into. It is rare for a factoring service to advance 100% of your Freight bill, so find out what their policy will be — and if it will be the same for all customers and Freight bills or if it could change from load to load.

Best Trucking Factoring

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Back to More Trucking Factoring Companies Information. 9 Questions to Ask When Comparing Freight Factoring Companies

In the U.S., the Freight industry generates 255 billion in revenue each year. According to American Transportation Research Institute, there are 500,000 Freight Companies, but only four percent of these Freight Companies have more than 28 trucks. The other 96 percent have 28 trucks or less, and 82 percent have six trucks or fewer. So, Freight is a multibillion dollar industry comprised mostly of small, independent operators.

Why is this information important?

There are two main challenges that Freight Companies come across when looking at their business’s finances. The first being cash flow and obtaining a business loan from the bank to keep up with payroll, expenses, etc. The second challenge being waiting the 60 to 90 days that it can take for clients to settle their invoices. With the majority of Freight Companies in the United States having under 28 trucks, this also means that their teams are relatively small as well. People are wearing multiple hats to try and get things done, tasks may get missed, and scaling is challenging without the proper cash flow backing them.

Having a lack of cash flow can quickly become what is holding you back from onboarding an A-player in your industry, keeping up with payroll, paying vendors, and frankly, growing your business beyond what it is today. Freight factoring is one way to eliminate these obstacles, especially for smaller Freight Companies or independent operators. What Is Freight Factoring? You've likely heard of factoring in the past, and it is basically a way to create cash flow immediately instead of waiting to collect on all your invoices. The Freight factoring company pays you 85 percent or more upfront and then collects the invoice payments for you. Once the payments are collected they send you the rest of the payments, less a factoring fee. The fee normally runs from one to three percent of the dollar amount factored. Many factoring Companies specialize in Freight/transportation/Freight forwarding, but the details of their proposals may vary widely. The number of options and the structure of the various agreements can get confusing.

In this article we will provide an overview of what to look at when comparing factoring Companies. 1. How quickly can you get funding?

You will typically receive funding after the factoring company has received your submitted invoices. Some factors provide same–day funding or next-day funding, while others will only fund after verifying your customer’s bills, which can take more than 2 or 3 days.

The timeframe in which you receive your funding is one of the most crucial aspects of the contract that you need to consider. If you know that you typically need funding right away, then you will need to look at factoring Companies that provide same or next-day funding.

2. What kind of customer service does the company provide?

Like any industry, there are varying levels of services when you need to get in touch with a representative. With finances, many people like to have the option of speaking with a person right away. If an issue arises where they need access to their funding sooner than expected or something has gone wrong with their account, having access to a person or a nearby office can be beneficial.

We make a point of interacting with our customers in person as often as we can, and we encourage customers to travel to our offices if it isn’t too far for them. For example, we have team members located in Toronto, Canada, and we have a local office in Buffalo, New York. Should our Toronto clients want to make the short trip to Buffalo to visit our office, we encourage them to do so. The kind of interactions you want to have with your factoring company is important to consider. You do not want to end up working with a company that only offers email support if you’re someone who prefers to interact over the phone or in person. Make sure you do your homework before you set up a long-term arrangement. 3. Does the factoring company provide credit protection?

There are two kinds of factors: non-recourse and recourse. Recourse factors have the option of charging you back for any unpaid invoices, but the non-recourse factors provide credit protection. This is a very common question that comes up when we are speaking with Companies about factoring. They want to know what happens should a client’s invoice become delinquent and ultimately, become unpaid. Having credit protection means that you will get paid on the invoice even if the invoice goes unpaid. Since they take on more risk, non-recourse factoring normally costs more. Especially with a smaller company, it can be difficult to have a backup plan should an invoice go unpaid. It’s important to consider what kind of strategy you have in place for unpaid invoices. Will you contact the customer or pursue them for the funds that they owe? Or, will you swallow the cost yourself and move on? Having an established plan of what you will do will help you establish if you will need recourse or non-recourse factoring. 4. How much is advanced and how much is held in reserve? Factoring Companies normally provide 85 percent or more when you submit an invoice. They will hold on to the remaining amount until the invoice is paid by the client. Once the invoice is settled in full, they will release the remaining funds, minus their factoring fee. The fee tends to be somewhere between one and three percent.

5. What are the rates and fees?

Factoring fees can come in many different shapes and sizes. The main thing you need to make sure of is that you understand what fees are going to be incurred by doing business with a factoring company. Make sure to ask the right questions! Here are some ways in which fees can be charged: 1.A percentage of the invoice value

2.They can depend on how long the invoice remains unpaid

3.There can be wire and ACH fees

4.Administrative fees

5.Interest

6.And much more.

Make sure you read the contract and understand all of the fees in which you are going to be charged so that you can make a smart decision about which structure is the best and most cost effective for you. The best way to compare proposals is to figure out the total cost of the fees as a percentage of the dollar amount of the factored invoices.

Flat Fees Versus Tiered Rates

The two most common fees charged are flat fees and tiered rate fees. Here is a quick explanation on how they typically work.

1. Flat Fees

Flat fees are really just how they sound. They are when a factoring company charges a one-time flat discount fee for the factoring of the invoice regardless of how long or how quickly the invoice is paid. This can be great, as it provides an upfront knowledge of exactly what your finance costs are going to be, but it can also prove expensive if your customers generally pay quickly. If a factoring company charges a three-percent flat rate and your clients pay in 60-90 days, well then you are getting quite a good deal. But, if three-percent is charged and most of your clients pay in 7-30 days, well three-percent is a lot for such a short time. Look over your customer list or aging and think about how long on average it takes for your customers to pay and that will help you in determining whether a flat rate really is a good deal for you or not. 2. Tiered Fees

Tiered fees are fees that incrementally increase as the invoice remains unpaid. This is great because you are only incurring fees for as long as it takes the invoice to be paid. If your customers are paying quite quickly, then tiered fees will generally save a business a lot of money on factoring costs.

6. How are credit checks carried out?

Factoring Companies main concerns are not how many years a company has been in business or what a business owners credit score is. The main concern is that the factoring company is buying invoices that will get paid and not become delinquent. Many factoring Companies will check the credit of the customer, shipper or Freight broker for you. You need to find out how this is done and how long it takes. You’ll likely want to work with a factor that can quickly approve your customer’s credit and your funding before you transport a load.

7. How much of the billing is handled by the factoring company?

One of the advantages of working with a factor is that some perform the back-office tasks like billing and invoicing. For example, you can send them the bill of lading and a rate sheet and they’ll take care of the rest. Other factoring Companies will ask you to do the invoicing and send them copies. Should you be in a situation where you don’t want your client to know that you’re working with a factoring company, you can look into Non-Notification Factoring. It is a form of factoring that significantly limits the number of interactions between the factoring company and your clients. In other words, the factoring company’s presence throughout the process is seemingly non-existent. If there is a point where the factoring company needs to communicate with one of your clients, the communication is done in a way that makes it seem like they’re part of your company. Factoring Companies can use your company collateral when sending notifications, emails, etc. This could mean a slight increase in the billing tasks that you need to handle, however, you can make sure to inquire about all of these options when you’re reviewing propposals.

8. What are the invoice requirements?

You’ll need to find out if the factoring company requires you to factor all your invoices or lets you choose the ones you want to factor. Also, some factors charge fees on the gross amount factored, while others charge you for the net amount (gross amount minus fuel costs).

9. What is the contract period?

Some Freight factors may require a long-term contract from three to 36 months, but others will offer you the option of canceling your factoring agreement at any time. Make sure you understand the fine print and any fees associated with terminating your contract early if you decide on a longer-term contract.

How To Choose?

There are many things to consider when looking into different factoring Companies. Even though each factoring company is offering a similar service, there are many points that differentiate them. Each factoring company will have different funding rates, advance rates, contract terms and requirements. Some factors will require a personal guarantee, or maybe will require you to factor all invoices that the company produces, and other factoring Companies will let you pick and choose. Make sure you ask the questions we have laid out in this article and you will have all the information you need to choose a factoring company that is right for your Freight business.

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Back to More Trucking Factoring Companies Information.

Several Key Differences Between and Merchant Cash Advance

Every small business owner knows that cash flow is the life blood of a company. With it, you can purchase raw materials and inventory, pay your overhead expenses and keep up with payroll. Without it, you may find yourself unable to fill orders or meet your financial commitments.

For these reasons, business owners seek out sources of funding that can help them meet their business obligations AND provide a consistent influx of capital to drive innovation and ultimately growth.

One method of financing that you may have heard about is a merchant cash advance, or MCA. On the surface, it sounds like it might be similar to – but is it? Let’s look at some of the biggest differences between the two.

1. is Less Risky Than a Merchant Cash Advance There’s always some risk involved in financing a business. For the lender, the risk is that the business may miss payments or, in the worst-case scenario, fail to pay back their debt. And, for the business owner, the risk comes in the form of fees and interest.

When it comes to risk, there’s a big difference between and MCAs. advances money based on an existing invoice. The money that your customer owes for the product or service is advanced to you through the sale of your to the company. By contrast, MCAs give you money based on an estimate of future sales. If your sales fall short, you’ll still need to repay the money. More than that, MCAs usually require access to your bank accounts so they can take out the funds automatically. If you’re already experiencing cash flow issues, this can make it worse.

2. Merchant Cash Advances Can Be More Expensive Than

You probably already know that a risky form of financing is likely to cost more than one that carries a low risk. So, it should come as no surprise that MCA loans can be far costlier than .

fees are a percentage of the invoice. There’s a basic fee that applies to each factored as spelled out in your contract. If an remains unpaid past the initial payment term between you and your client, you may be charged back the advanced amount. MCA fees can be significantly higher than fees. The fee is typically between 20% and 50% of the amount borrowed. Even if your sales match the predictions, you’ll still end up paying back significantly more than your initial advance.

Something else to consider, MCAs are considered commercial transactions, so they are not subject to the same federal regulations that banks are. While a 20-50% advance fee might be common, APRs can exceed 300%. Plus, the payment structure is already determined at the time of the advance, so you can’t pay it off early to stop the interest from accruing.

3. Maximizes Cash Flow and Merchant Cash Advances Don’t

is a product that’s designed to help small business owners maximize their cash flow. That’s because it advances money against invoices that have already been fulfilled. When you factor an invoice, you get money immediately – often the same day – which you can then use to buy materials, invest in your company or make payroll. By contrast, MCAs are speculative. They provide you with a lump sum, but if you use that money to pay off existing debts, you may find yourself caught in a vicious cycle of requiring another cash advance to pay off the first with the meter running on the second.

With , you know your cost and fees upfront, and because it’s the sale of your invoice, there is no debt or interest to worry about. It’s not a loan.

4. Includes Back Office Services, MCAs Don’t

When you get an MCA, all you’re getting is money. One of the most important differences between an MCA and is your fee includes some time and potentially money-saving back office services that can help your business grow.

For example, companies typically provide services that include billing and collection. It can be quite expensive to pay someone to make collection calls on your outstanding invoices. Experienced account executives work as an extension of your team and on your behalf.

How Can Help Get New firms Off the Ground

Starting a business requires a leap of faith. Even when you know you’ve got the skills and know-how to be a success, there are many ways that your budding venture can go wrong. Arguably, the toughest part for any entrepreneur is securing the funds to gain traction and grow despite having secured contracts with clients. What’s worse for new firms than to have to turn away paying opportunities because they don’t have the capital to finance their operations, hire new people or invest in new equipment? Most young firms can’t afford to turn away paying customers. They also can’t afford for word to get around that they can’t take on bigger projects. For start-ups and young firms, there is a chicken-or-the-egg dilemma when it comes to qualifying for lines of credit or getting approved for a loan. Banks want to see history and a strong client base. But business owners can’t always build a decent portfolio without the capital to take on more clients. For this reason, invoice can be a way for new business owners to turn those early invoices into real working capital to get their firms off the ground.

Young firms Need Capital: Provides It

You know the saying, “you need to spend money to make money”? Ask a business owner if this is true. Rarely, can a young business survive without consistent working capital.

In fact, a lack of sufficient capital is the second-most common reason that new firms fail. New business owners often borrow money from friends and family to help support their dreams. Or, they go into considerable personal debt in order to finance those early stages. Either way, you have somebody looking over your shoulder and expecting to be paid back. That’s a lot of pressure when you’re just starting out. Invoice provides working capital and predictable cash flow your new business needs. Unlike banks, companies provide funding by purchasing your outstanding invoices. That means that if you’ve got invoices, you have access to an immediate source of funding. The best part is that you’re getting an advance on your money. So not only do you get your money, you get it without the debt. As a start-up, you understand that it’s all about speed, and that’s the foundation of . Once your application is approved, you can get funding in as quickly as 24 hours after you submit your invoices. You can use those funds for anything that you’d like, restriction-free. Use it for payroll, to pay rent or to invest in new equipment. Young firms Need Support: Provides It

business owners often find themselves wearing many hats in the course of a day. How often does a business owner say, “If only I had someone helping me with X, I can really focus on Y?”. companies provide more than funding for firms. They take some of the most time-consuming tasks out of the owner’s hands, like checking customer credit and collecting on outstanding invoices. These jobs can take hours of your valuable time and often require additional staff to manage them. Different from a traditional loan, you get a team of back office support staff at no additional charge. These and other value-added services are included in your fee. Be sure to talk to your business about what other services they provide.

Young firms Need Protection from Bad Debt: Provides It

For a new business, extending credit to a customer who doesn’t pay can be harmful at best and devastating at worst. It’s important to screen your customers’ credit. A business will do this for you before you take on new business so you can be assured that the client has the funds to pay. This saves you time upfront so you don’t start projects for clients who can’t pay, and it also means that the business can work with you to advance you funds when you complete the work.

Young firms Must Avoid Taking on Debt: Won’t Add to Your Debt

One of the biggest reasons that is ideal for young firms is that it provides the money you need without adding to your debt. isn’t a loan – it’s a purchase of your invoice. The business buys your invoice, takes out a nominal fee, and issues any remaining monies when the client pays. That’s it. End of transaction. No debt to keep track of or payments to make.

That means there’s no need to list your balance as debt. There are no interest rates or hidden fees either. In other words, provides you with the predictable cash flow you need without adding to your debt.

Young firms Need to Grow: Helps

Growth opportunities don’t come along every day, but when they do, you’ve got to take advantage of them. New companies sometimes struggle to accept large orders or attract new customers because they don’t have the financial stability needed to do so. Invoice provides a solution by smoothing out cash flow and making it possible for business owners to pursue growth opportunities in the moment.

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Trucks move roughly 71.4% of the nation's freight by weight.

That is just one of many statistics calculated and tracked by American Trucking Associations' professional staff that you can learn about here.

Revenue:

$796.7 billion in gross freight revenues (primary shipments only) from trucking, representing 80.3% of the nation’s freight bill in 2018.

Tonnage:

11.49 billion tons of freight (primary shipments only) transported by trucks in 2018, representing 71.4% of total domestic tonnage shipped.

Taxes:

-$42.6 billion paid by commercial trucks in federal and state highway-user taxes in 2017.

-Commercial trucks make up 13.4% of all registered vehicles, and paid $17.7 billion in federal highway-user taxes and $25.8 billion in state highway-user taxes, in 2017.

-24.4¢ in federal fuel tax paid for each gallon of diesel fuel as of January, 2019.

-18.4¢ in federal fuel tax paid for each gallon of gasoline as of January, 2019.

-27.4¢ paid on average in state fuel tax for each gallon of diesel fuel as of 2019.

-26.2¢ paid on average in state fuel tax for each gallon of gasoline as of 2019.

Number of Trucks:

-36 million trucks registered and used for business purposes (excluding government and farm) in 2017, representing 24% of all trucks registered.

-3.68 million Class 8 trucks (including tractors and straight trucks) in operation in 201, nearly unchanged from 2016.

Mileage:

-297.6 billion miles traveled by all registered trucks in 2017

-181.5 billion miles traveled by combination trucks in 2017

Number of firms:

According to the U.S. Department of Transportation, as of May 2019, the number of for-hire carriers on file with the Federal Motor Carrier Safety Administration totaled 892,078, private carriers totaled 772,011 and other* interstate motor carriers totaled 84,930.

Other’ motor carriers are those that did not specify their segment or checked multiple segments. All other categories were excluded.

-91.3% operate 6 or fewer trucks.

-97.4% operate fewer than 20 trucks.

International Trucking:

-Trucks transported 67.4% of the value of surface trade between the U.S. and Canada in 2018.

-Trucks transported 83.5% of the value of surface trade between the U.S. and Mexico in 2018.

-In 2018, the value of truck-transported trade rose 10.2% to $424.0 billion with Mexico; truck-transported trade with Canada rose 3.6% to $348.3 billion.

Employment:

-7.8 million people employed throughout the economy in jobs that relate to trucking activity in 2018, excluding the self-employed

-3.5 million truck drivers employed in 2018 (almost unchanged from 2017)

Industry Overview: Trucking

The Trucking Industry is a cyclical sector comprised of firms that provide shipping services, using tractor-trailers, to customers, which are usually commercial businesses. Most trucking outfits own and operate the vehicles in their fleets, though some do rely on leasing. The vast majority of revenue is generated domestically, since overseas shipments require either air- or sea-based transportation. Thus, these firms have little exposure to foreign currency fluctuations. The industry tends to be a leading indicator for the overall economy. During the early stages of an economic upswing, customers begin to ship more goods in anticipation of stronger business conditions. Conversely, a decrease in trucking demand may signal the beginning of an economic slump.

The Operating Basics

This industry is competitive. Customers have numerous operators to choose from, including privately held carriers and firms outside the industry, such as air-transporters. As a result, day-to-day operations tend to be relationship-oriented. firms strive to build close ties with customers in order to generate repeat business. Providing excellent service is a necessity, since customers can easily find an alternative shipper. Price competition is fierce, and the firms in this group generally operate with narrow margins. To adequately serve the needs of its customers, a trucking business has to have a large collection of tractors and trailers, often numbering in the thousands. Furthermore, the fleet has to be upgraded often (every five years for tractors). Frequent upgrades help to keep maintenance expense in check, since older vehicles require more upkeep. Also, a young fleet may attract better-qualified drivers, especially when the supply of labor is thin. Too, increasingly stringent U.S. environmental standards compel trucking firms to purchase newer, more-efficient vehicles. Fleet sizes are also often adjusted in accordance with the prevailing economic situation. During downturns, truckers will decrease the number of vehicles in operation to avoid holding excess capacity. When the supply of tractors exceeds demand, this results in less revenue generated per vehicle and other inefficiencies. There are two primary segments within the Trucking Industry: truckload and less-than-truckload (LTL). Truckload carriers fill a trailer with large amounts of cargo from one customer, usually with a single destination in mind. LTL operators fill a trailer with small amounts of cargo from several different customers, requiring various delivery destinations. Goods shipped via LTL carriers may stop at numerous terminals and be transferred between several different vehicles before reaching the final destination. Truckload freight, on the other hand, usually remains in the same vehicle along the entire shipping route. Both types of trucking firms maintain a network of terminals and distribution centers across the country. The industry is affected by seasonal factors. Generally, all trucking firms enjoy increased demand in the calendar fourth quarter, when retailers stock their shelves for the major holiday shopping season. In the middle of the year, LTL firms may experience high demand, relative to that of truckload operators, since there is less need to transport large amounts of homogenous freight. During the first quarter, business is usually slack for both truckload and LTL carriers – a good circumstance, since this period typically involves weather-related disruptions.

Major Expenses

There are several important expenses that affect the profitability of trucking firms. Labor costs have a considerable impact on earnings. Trucking firms require a deep roster of qualified drivers and freight handlers. The supply of available drivers often tends to be slim, resulting in intense competition for qualified talent. firms need to offer competitive wages and benefits to attract the best employees. Some trucking outfits employ workers that belong to powerful labor unions. These employees possess strong negotiating leverage, and the possibility of labor strife is a risk. Nonunion workers offer lower labor costs, but they might not be as dependable. Other significant labor-related costs include pension expense and workers’ compensation. Fuel is one other expense that must be managed carefully. Lengthy trips, heavy loads and large engines keep tractor-trailer fuel consumption high. Most of the cost of diesel fuel is passed on to customers through surcharges. But, if fuel prices rise quickly, there may be a lag in recouping all of the related outlays, thus hurting a trucker’s short-term profitability. Most firms prefer to rely on surcharges rather than long-term fuel-contract hedging. Operating expansion and fleet improvement may be financed with cash flow, common equity and/or debt, depending on the cost of each source. At times, a heavy debt burden might be assumed in the completion of a merger that may offer greater market coverage. Generally, these firms possess average stock market risk. Over a business cycle, cash reserves can build, and barring any pressing needs for capital investment, these firms will reward investors with a big one-time dividend or stock buybacks. For the most part, though, managements are more interested in building stockholder value via operating network enhancements and expansion.

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How Big Is The Trucking Industry?

The trucking industry impacts your life more than you might think. Almost every good in the United States had traveled by truck at least once before it reached its final destination. Even when goods travel by railroad, they still almost always go by truck for at least part of their journey. Trucking accounts for over 70 percent of freight in the United States. This means trucking generates more revenue than any other industry in the United States. Nearly 6 percent of all full-time jobs in America are in the trucking industry, which generates over $700 billion every year. At 53.9 billion gallons of fuel per year, these truck drivers use over 12 percent of all fuel used in the United States. Tractor-trailers drive 432.9 billion miles every single year, and there are over 15.2 million trucks on the road.

How the Trucking Industry Affects Other Industries

The trucking industry affects other people’s employment, as well. Industries such as steel mills and auto manufacturers depend on truckers to deliver supplies needed to manufacture their goods. This is because the manufacturing industry has shifted toward “just in time manufacturing.” This means parts are delivered just before assembly, so manufacturers do not need large warehouses to store components. The manufacturing industry also depends on truckers to transport goods to sellers. Without trucks, workers at these factories would soon face unemployment. The farming industry also depends on the trucking industry. Fruits, vegetables, and dairy products are transported many miles before they reach their final destinations at the store. Farm owners and farm workers both depend on trucking to keep their industry going.

What if Trucking Disappeared?

Trucking helps transport nearly every kind of good you can think of. Life would not be the same as you know it if the trucking industry disappeared tomorrow. Gas stations would be out of gas in less than a week because they depend on fuel deliveries every two and a half days. Your local grocery store would be out of dairy and produce in a few days because many grocery stores keep as few perishables in stock as possible. They depend on daily deliveries of food. The supply of clean water would even disappear because water purification plants would not be getting the tools they needed to clean water. Hospitals would run out of medications in a very short time, and some would run out of oxygen within a day. This is because they do not keep many supplies on hand ahead of time. Some even wait to order more supplies until their current ones are depleted. These hospitals depend on trucks to quickly get them the supplies they need within a few hours. Even a disruption to the trucking industry has significant consequences. After 9/11, trucks carrying auto parts were significantly delayed at the Canadian border. This caused several Michigan auto manufacturing plants to shut down because they could not get the parts they needed in time. This caused them severe economic loss.

A Shortage of Drivers

Because the trucking industry is so vital to everyday life, nearly 900,000 more drivers are needed. This is because the industry is growing so quickly. DAT Solutions found that in 2018, there was only one truck available for every 12 loads that needed to be shipped. Part of this shortage is because many truck drivers are nearing retirement age, and there are not enough new ones to replace them.

Final Thoughts

Many people do not realize just how important the trucking industry is. America would be very different without the trucking industry and the more than 10 million people who work in it.

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Information for the city of Little Rock

Little Rock

is the capital and the most populous city of the U.S. state of Arkansas. It is also the county seat of Pulaski County. It was incorporated on November 7, 1831 on the south bank of the Arkansas River very near the geographic center of the state. The city derives its name from a small rock formation along the river, named "le Petit Rocher" by the French in 1799. The capital of the Arkansas Territory was moved to Little Rock from Arkansas Post in 1821. The city's population was 193,524 at the 2010 census.

The five county Little Rock North Little Rock Conway, AR Metropolitan Statistical Area (MSA) is ranked 75th in terms of population in the United States with 724,385 residents according to the 2013 estimate by the United States Census Bureau.[1][3]Little Rock is a major cultural, economic, government and transportation center within Arkansas, the South and the nation. Amenities such as Arkansas Arts Center, Arkansas Repertory Theatre, Arkansas Symphony Orchestra are available in addition to the hiking, boating, and other outdoor recreational opportunities available to residents and visitors. Little Rock's history is also available to residents and visitors in a variety of ways; history museums, historic districts or neighborhoods like the Quapaw Quarter, and historic sites like Little Rock Central High School.

The city is the headquarters of Law Firm. Other large corporations, including Power have large operations in the city. State government is also a large employer, with most offices being located in downtown Little Rock. Two major Interstate highways, Interstate 30 and Interstate 40 meet in Little Rock, with the Port of Little Rock serving as a major shipping hub.Major corporations headquartered in Little Rock include Communications and xiom.

Little Rock

Benard de la Harpe, a Frenchman leading an exploration party up the Arkansas River on April 9, 1722, noted the first outcropping of the rock he had seen along the banks since leaving New Orleans. He reportedly called it 'la petite roche' or 'the little rock,' to distinguish it from a larger cliff across the river.

The area was largely wilderness, inhabited by the Quapaw or Arkansa Indians, and had been explored by Spanish gold hunters and by itinerant hunter-trappers. The country became a part of the Territory of Louisiana, which was governed by France, Spain and then France again, from which it was purchased by the United States in 1803.

As early as 1806, settlers from the east coast started coming to what is now Central Arkansas. In 1812, William Lewis, a hunter-trapper, came up the Arkansas River becoming the first white settler; he stayed for three (3) months.

On August 24, 1818, the Quapaw Line was drawn. Starting at La Petite Roche and heading due south, this line formed the boundary between the Quapaw tribe lands and public lands available for settlement. Though by 1824, the Quapaw were forced to give up all of their lands, the line continued to serve as an important marker. The 1818 Treaty referred to La Petite Roche as the Little Rock, and some have speculated that this is the first official use in a government document of the name â€œLittle Rockâ€ to designate the area.

Little Rock had become a well-known crossing when the Arkansas Territory was established in 1819. The permanent settlement of Little Rock began in the spring of 1820, and the first building has been described as a cabin, or shanty, and was built on the bank of the river near La Petite Roche. In March 1820, a Post Office was established with the name Little Rock; Amos Wheeler was appointed as the Postmaster of the new community.

On October 18, 1820, Territorial Governor James Miller signed legislation designating Little Rock as the new capital for Arkansas, a mere ten (10) months after the first permanent settlement was established in Little Rock. The Act provided that after June 1, 1821, the sessions of the Legislature and the Superior Court would be held at Little Rock.

By 1825, the settlement known as Little Rock was little more than a loosely defined group of structures. On October 27, 1825, Territorial Governor George Izard signed legislation that created a framework for Little Rock to start self-governance. The legislation established that Little Rock citizens could elect a Board of Trustees to decide matters, and those Trustees would choose one of their own to be a presiding officer. Though Little Rock would not be officially incorporated until 1831, this was the first step towards incorporation.

On November 7, 1831, Little Rock was officially chartered as a town. The first Mayor was Dr. Matthew Cunningham who took office in January 1832. On November 2, 1835, Little Rock became a City, and eight (8) months later, on June 15, 1836, Arkansas became a State.

The first steamboat to reach Little Rock was the Eagle, which arrived on March 16, 1822. From that time onward, Little Rock's role as a commercial center of Arkansas increased. From 1836 to 1840, Little Rock experienced rapid growth during this time, which ceased after the effects of the financial panic of 1837 were felt. A spurt of growth occurred again in the 1850's and again after the Civil War during the 1870's when an influx of immigrants and former Union soldiers came to settle permanently. The 1850s and early 1860s also saw the first â€œfreeâ€ public school, the creation of the Little Rock Gas Plant and the first telegraph line.

On May 8, 1861, Arkansas seceded from the Union. On September 10, 1863, the Battle of Little Rock took place outside of the City limits, and eleven (11) days later, the City Government ceased operation and did not resume until January 1, 1866. The Little Rock Police Department was established in 1866, and mail service was restored to Little Rock in 1867. A new Little Rock City Hall was completed in 1867 and in February 1869, the Little Rock School District was established.

In conjunction with a new State Constitution, on March 8, 1875, Little Rock was re-chartered as Arkansas' first City of a First-Class. The 1870s saw many improvements in Little Rock, including the construction of the Baring Cross Bridge in 1873; the first permanent bridge across the Arkansas River in Little Rock. Public transportation was introduced in the 1870s, first with mule drawn cars and later with streetcars. As the decade ended, the first telephone exchange was introduced in Little Rock.

Progress continued in the 1880s. A water system was created in 1884, and two (2) years later, electric service was introduced. Streets were first paved with cobblestones in 1887, and the next year, the first sewer pipes were laid and first concrete sidewalks were installed. Steam and electric public transit were introduced by 1889. The Little Rock Fire Department was created in 1892. Also that year, the former US Military Arsenal land became the City's first park â€“ City Park. In March 1942, the park was renamed MacArthur Park, in honor of General Douglas MacArthur, who was born there.

As the 20th Century dawned, the town of Pulaski Heights was incorporated in 1903. That same year, the City's Eighth Ward, located on the north side of the Arkansas River separated and formed North Little Rock. In 1908, a new Little Rock City Hall opened at the corner of Markham and Broadway Streets; the building still serves as City Hall.

Little Rock annexed Pulaski Heights in January 1916, which set the tone for the City's annexation policies. Instead of being surrounded by a series of small incorporated towns, Little Rock has grown by annexing additional lands.

In the 1920s, the Broadway Bridge and Main Street Bridge were completed. The fourteen (14)-story Donaghey Building became Little Rock's first skyscraper when it opened in 1926. Also that year, the City's first radio station opened. The Little Rock Zoo was founded in 1926 when an abandoned bear and wolf were left in Little Rock after a circus left. In 1927, the new Little Rock Senior High School opened on Park Street.

While the 1920s did not necessarily roar for Little Rock, the City also did not suffer as much in the Great Depression as other municipalities. Various New Deal Programs did enhance Little Rock's landscape through construction of buildings such as the Museum of Fine Art, Robinson Auditorium and the Little Rock Zoo, as well as Boyle Park.

The City purchased the governmental airfield and some additional land for a Municipal Airport, and with the help of the WPA, a terminal building was built. In 1941, the airfield was named Adams Field for Captain George Geyer Adams, a former Little Rock Alderman who served in the 154th Observation Squadron, Arkansas National Guard, and was killed in an accident at the field.

In September 1957, the eyes of the world were on Little Rock as nine (9) African-American students tried to integrate Little Rock Central High. Governor Orval Faubus attempted to delay the start by deploying the National Guard. Eventually, President Dwight Eisenhower federalized the National Guard and replaced them with members of the 101st Airborne Division of the Army. On September 25, 1957, the nine (9) African-American students entered the school and began their school year.

Throughout the 1950s and 1960s, Little Rock took efforts to attract more businesses to the area. During this period, the Little Rock Air Force Base and Little Rock Port Authority were established. As the City continued to grow westward, commercial and residential developments were created. From the 1960s through the 1980s, successive modern skyscrapers vied for the title of tallest building in Arkansas.

The 1960s through the 1990s saw the expansion of cultural life in Little Rock with the opening of the Arkansas Arts Center, Arkansas Symphony Orchestra, Arkansas Repertory Theatre, Ballet Arkansas, Wildwood Park for the Arts, the MacArthur Museum of Arkansas Military History and the relocation of the Museum of Discovery to the River Market.

In the 1990s, the City of Little Rock engaged community-wide goal-setting programs. Future Little Rock led to the creation of many initiatives including the establishment of innovative Prevention, Intervention & Treatment Programs; Neighborhood Resource Centers; and the River Market District. In addition, the City worked to expand citizen engagement through enhanced participation in neighborhood associations.

As the 2000s dawned, Little Rock welcomed thousands of visitors for the opening of the William Jefferson Clinton Presidential Center and Park. President Clinton was a keynote speaker at the 1997 40th Anniversary, the 2007 50th Anniversary and the 2017 Anniversary of the integration of Little Rock Central High, which also brought thousands of visitors to the City.

In 1820, Little Rock's population was less than thirty (30), and the area was only a few square-miles.

Little Rock's 2015 U.S. Census Bureau population was estimated at 197,992 with approximately 123 square-miles.

Information for the state of Arkansas

Once a state with a cashless society in the uplands and plantation agriculture in the lowlands, Arkansas's economy has evolved and diversified to meet the needs of today's consumer. The state's gross domestic product (GDP) was $105 billion in 2010.[86] Six Fortune 500 companies are based in Arkansas, including the world's #1 retailer, Walmart. The per capita personal income in 2010 was $36,027, ranking forty-fifth in the nation.

The three-year median household income from 2009-11 was $39,806, ranking forty-ninth in the nation. The state's agriculture outputs are poultry and eggs, soybeans, sorghum, cattle, cotton, rice, hogs, and milk. Its industrial outputs are food processing, electric equipment, fabricated metal products, machinery, and paper products. Mines in Arkansas produce natural gas, oil, crushed stone, bromine, and vanadium. According to CNBC, Arkansas currently ranks as the 20th best state for business, with the 2nd-lowest cost of doing business, 5th-lowest cost of living, 11th best workforce, 20th-best economic climate, 28th-best educated workforce, 31st-best infrastructure and the 32nd-friendliest regulatory environment. Arkansas gained twelve spots in the best state for business rankings since 2011. Arkansas's earliest industries were fur trading and agriculture.

Although approximately 3% of the population is employed in the agricultural sector, it remains a major part of the state's economy, ranking 13th in the nation in the value of products sold.[94] The state is the U.S.'s largest producer of rice, broilers, and turkeys,[95] and ranks in the top three for cotton, pullets, and aquaculture (catfish). Forestry remains strong in the Arkansas Timberlands, and the state ranks fourth nationally and first in the South in softwood lumber production. In recent years, automobile parts manufacturers have opened factories in eastern Arkansas to support auto plants in other states. Bauxite was formerly a large part of the state's economy, mostly mined around Saline County.

Tourism is also very important to the Arkansas economy; the official state nickname "The Natural State" was originally created for state tourism advertising in the 1970s, and is still used to this day. The state maintains 52 state parks and the National Park Service maintains seven properties in Arkansas, including the nation's first National Park, Hot Springs National Park. The completion of the William Jefferson Clinton Presidential Library in Little Rock has drawn many visitors to the city and revitalized the nearby River Market District. Many cities also hold festivals which draw tourists to the culture of Arkansas such as King Biscuit Blues Festival, Ozark Folk Festival, Toad Suck Daze, and Tontitown Grape Festival.

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Best Little Rock Freight Factoring Companies

There are many reasons why factoring has become a popular and valuable financial tool for businesses today. The key benefit of factoring is that a business receives a quick boost to its cash flow: in fact, many factoring companies offer cash on their Accounts Receivable within 24 hours! -Best Little Rock Freight Factoring Companies

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The benefits of using a invoice factoring company versus a bank loan

If you are looking for a convenient way to obtain business capital, invoice factoring is one of the best options available out there. From a recent study, it has been identified that many people go for bank financing in such instances, considering that it is the least expensive method of investing. However, invoice factoring is associated with many other advantages and we will let you know about them through this article.

A proper cash flow is something that every business in the present world should have. In addition, they need to speed up their cash flows along with time. Otherwise, it will not be possible for them to get banks for financing. Unfortunately, banks are not in a position to accommodate all the financial requirements of a company, due to tough credit standards. That is where invoice factoring comes into play. It happens when a company sells its accounts receivable to a bank or a invoice factoring company. The amount that can be taken depends on value of the invoice.

Key benefits associated with invoice factoring

• A company can get large amounts of capital through invoice factoring. It is because this method is entirely based upon accounts receivable. It has impressed many small scale businesses out there since they can obtain a bigger line from their accounts receivable for services or goods. They will not be able to get such a big amount of capital from any conventional bank lender out there. invoice factoring is something that is based on the credit strength of your potential customers. If your company has more potential customers with healthy credit strengths, you can easily enjoy the benefits of invoice factoring.

• invoice factoring is quicker than traditional bank loans. Since most of the invoice factoring lines are in a position to be set up, approved and actively funded within a matter of few weeks, you can go through a hassle free process. However, banks will take more time to engage with their credit reviewing activities about your company. They might even wait for audit results or fiscal period closes. Therefore, if you are in need of quick business capital, invoice factoring is the number one option available out there to consider.

• invoice factoring is something that expands quickly along with the growth of your company. Almost all the invoice factoring companies out there support it. Your company doesn't need to have an excellent track recording of business. You just need to select a invoice factoring company that is big enough to accommodate all your business development ambitions.

• A invoice factoring company does not offer loans to their clients. Therefore, you cannot find many similarities between a loan and invoice factoring. A invoice factoring company will purchase your accounts receivables along with cash. Therefore, it can be considered as a similar process to increasing the working capital, while showing it as a liability in the account balance sheets. This will even reduce debt in the balance sheet, when compared to borrowing. At the end of the day, your company will get the opportunity to enjoy a lower debt to equity ratio.

• invoice factoring is less expensive than equity. Most of the businesses approach equity investors to cater their financing requirements. However, there isn't any substitute for equity capital in some expansion purposes and business investments. Almost all the equity investors expect a higher

return from the accounts receivable than the cost. When it comes to invoice factoring arrangements, you won't be able to find any dilutive effect on shareholders. This will assist you a lot to stay away from hassle.

• invoice factoring is also recognized as one of the best options available to improve your turn. In the present world, many invoice factoring companies will verify invoices with your customers and check whether they are being paid on time. This will motivate your customers to pay the invoices on time through a gentle reminder. This will result in a better service delivery from your end as well.

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The Basics of Invoice Factoring: Choosing a invoice factoring Company

Probably the biggest frustration for business to business (B2B) companies is waiting to get paid. Anyone involved in a seasonal business, long payment cycle, or lumpy cash flow will be able to relate to this statement. Some customers are very slow payers (of course corporate clients and governments come to mind!) and other customers demand generous terms.

Explaining Invoice Factoring

Basically, with invoice factoring your current but unpaid invoices are turned into cash – it's a financing solution for businesses. Other terms used for factoring are 'Accounts Receivable Financing', 'Invoice Financing 'and 'Receivables Financing'. Because many clients demand generous terms, it means that invoices can remain unpaid for anywhere between 30 and 90 days; while in the meantime you're left without cash and falling behind on important expenses, such as payroll, and missing opportunities to grow your business. And this is where factoring comes in: factoring reduces, and sometimes eliminates the frustration of unpaid accounts.

A receivable financing transaction usually involves three parties, and these are the company that initially issues the invoice, the customer who is required to pay the invoice (otherwise known as the account debtor), and the 'factor', which is the financing company prepared to supply the cash.

Explaining Invoice Financing

An invoice is issued to a customer after a company has delivered a service or product. This invoice will now be sold to the factor and, in return, the company will receive a cash advance: this will usually be between 70% and 90% of the invoice's value. With this cash the company finds it easier to pay employees; plus, it can now purchase supplies, materials, and inventory, and it can take on more work. Once the debtor pays their invoice the business will receive a rebate for the rest of the funds, less a fee which will be based on the value of the invoice and the term. This type of financial agreement benefits all three parties: the customer receives cash almost immediately, the debtor gets favorable payment terms, and the invoice factoring company collects a fee.

Explaining the Difference between Traditional Bank Financing and Invoice Financing

There are, of course, both drawbacks and benefits to this type of financing for businesses. The obvious benefits of factoring are a simpler application process, quicker funding, and higher approval rates when compared to bank lending. Having access to cash allows a business to grow, to meet payroll, achieve supplier discounts for bulk purchases or early payment, and to purchase equipment in order to improve productivity.

Factoring has a very simple application process which eliminates some of the main hurdles placed on small businesses by banks. The speed of funding with invoice factoring offers businesses the opportunity to take advantage of opportunities as they arise. In addition, the high approval rates with factoring means that many more businesses qualify, even though they may have previously been declined by a bank. Another bonus is that funds received from factoring invoices can be used to supplement bank credit, if necessary.

On the other hand, when it comes to cost, a line-of-credit at a bank is less expensive than factoring; this is assuming that the business will be successful in their application to the bank and that they'll have access to the finance within a reasonable timeframe. Unfortunately, these applications are not always successful (four out of five companies are refused bank loans), while others find the whole process too discouraging.

Another possible issue with working with traditional factoring companies is that some of these companies will advise your customers that their invoices have been financed: this information can cause issues for some small businesses because they prefer to maintain control over all correspondence with their clients. Other invoice factoring companies actually take control of your account receivables. Our advice is that you look for a factoring company that's prepared to work on a non-notification basis.

Receivables Financing Has Become Good Business Sense

Today we see invoice factoring becoming quite commonplace in many industries, such as IT companies, professional services, wholesale trade, marketing, manufacturing companies and so on. Many, many industries are discovering the benefits of receivables financing.

Invoice factoring is an ideal solution for business-to-business companies who issue invoices payable within 15 to 90 days. Any B2B company who's experiencing rapid growth, long payment cycles, or lumpy cash flow, will benefit the most from accounts receivable factoring. On the other hand, businesses and business-to-consumer (B2C) companies that are paid on delivery and don't issue invoices would have no need of factoring services.

If you're interested in invoice financing and believe it may be an option for your business, see below for our tips on how to approach working with a invoice factoring company.

How to Work with an Invoice Factoring Company

There are many advantages to invoice financing, but it can be tricky working with some traditional factoring companies. Some invoice factoring companies don't have excellent customer service, and between confusing terms, long-term contracts, monthly minimums, and hidden penalties, the experience can be quite daunting. Our aim is to ensure that you get a fair deal when working with a factoring company, and please remember that, as always, if a deal sounds too good to be true, then it probably is!

You're Looking for Transparent Factoring Fees and Rates

Companies that make it difficult to work out their all-inclusive fees are companies who are working for their own advantage, so when determining pricing, transparency is key. If you're getting frustrated and not receiving direct answers, we suggest you move on to another factoring company that will be respectful of your time.

Another Word of Caution: Beware of receivables factoring companies who advertise low rates, which then increase when all their hidden fees come to light. We've heard of factoring companies who charge low monthly factoring rates, but you'll be charged for two months' even if the invoice was paid in one month and one day. We also know that some factors require monthly minimums, which means that you pay for financing even if it's not required. We strongly suggest that you read our article on factoring rates and tricks so that you approach factoring with knowledge and awareness.

Understanding Penalties, and How to Avoid Them

Be aware that some invoice factoring companies out there have hidden penalties. In order to avoid these penalties, you need to know why they occur. If you believe these penalties are out of proportion or unfair, then move on to another factor. It won't be long before you'll understand what fair and reasonable terms look like.

Read the Fine Print in Your Contract

In order to guarantee their profits, most factoring companies will try to lock you into a long-term contract. Obviously this is good business for the invoice factoring company, but it may not be so good for your business. You need to know what you're signing up for, so be aware of long-term contracts where you'll be charged exorbitant cancellation fees if you should decide to leave. Also, be aware that some long-term contracts include minimums, so consider this carefully: you may find yourself paying for something you're not using when you only needed the factoring company to meet occasional cash-flow needs. You shouldn't be forced to remain with a service that's not meeting your needs, so it's vitally important that you carefully read the fine print.

Customer Confidentiality

Once you start your research on factoring you'll discover that most invoice factoring companies operate on a notification basis, which means that when you sell your invoices to the factor, they notify your customers. They'll also ask that the funds be routed directly to the factoring company's bank account, instead of your account. This can be an issue for business owners who prefer to have control of all communications with their customers. If discretion is important to you and your business, we strongly suggest that your accounts receivable financing company provides non-notification invoice factoring, meaning that you retain control over customer communications. If this is not an option for your factoring company, then you need to move to a company that will provide non-notification factoring.

How Much Cash Will You Receive Upfront?

You'll receive an advance upfront, which is a percentage of the face value of the invoice. This advance will probably be somewhere between 70% and 90% of the invoice's face value. For example, let's say your customer owes you $1000: your advance payment should be somewhere between $700 and $900.

Factoring Minimums Compared with Single Invoice Discounting

You'll also notice in your research that many factors require small businesses to submit all invoices from certain customers. On the other hand, 'single invoice discounting', also known as 'spot factoring', means that the business concerned determines which invoices will be sent to the factoring company for advance payment. Make sure you understand your invoice factoring company's terms before you sign anything. Single invoice discounting or spot factoring is generally the preferred method for small businesses because it enables you to retain control over your financing by determining which invoices will be sent for factoring.

Choosing Your invoice factoring Company

Think about all the above criteria, and look for a business partner who will provide your business with the best combination of flexibility, features, and terms that you require. By doing a little research you'll soon find a partner and an agreement that offers you the flexibility, funds, terms, and transparency that work best for you. Your aim is to find a partner that you'll be happy to work with long-term, so don't settle for anything less.

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How invoice factoring Saved A Medical Staffing Company

Gail Phillips sat in her office, waiting for the phone to ring. Her job was a busy one, and she had stopped all her calls and shut her door five minutes before the phone conference was set to begin just to get some time for herself. The truth was she was stressed to her breaking point. Her company Med Staff needed to hire three new people to cover the demand of their clients. The problem was, they couldn't. They were short on funds.

Med Staff did temporary medical staffing. They employed LPN's, RN's, and a few others of the same ilk. Companies that needed nursing for a short amount of time paid Med Staff, and the nurses were sent over on short term contracts. Then they came back, and they were sent somewhere else.

A retirement home had contacted Gail two weeks ago, they were undergoing an expansion, and they would need temporary staffing until they could appoint permanent nurses to the shifts. Gail had known she didn't have enough people for this, but she took the contract on anyways, figuring she could hire people. There were always a number of nurses and technicians applying for work at Med Staff, and she knew it wouldn't be a problem to hire a few new people.

There had been a problem though. There simply wasn't enough money in the books to do it. The company was doing fine, but a quick expansion, even as small as three people, simply wasn't going to happen, not without help.

She had gone to the bank for a loan, but they had denied her. It seemed to Gail that the only people who could get loan money from a bank were the people who didn't need to do so. And then she had found something different, a website online about invoice factoring. She had looked the site over, and set up the conference call.

The phone rang, she picked it up. “Hello?”

“Hi, is this Mrs. Phillips?” a cheery woman's voice asked over the phone.”

“It is.”

“Great! My name is Phillips, I'm going to help you today.”

“Okay great.” Gail said.

“I'm looking over the form you filled out, it looks like your company temporarily staffs medical professionals?”

“Yes,” Gail said. “Nurses mostly.”

“Great,” Phillips said. “And if you called me, it means you ran into a snag.”“I took a contract to fill five places in an expanding retirement community. I have two people available but needed to hire three more. Unfortunately, we just don't have that kind of money in the books right now. We have a few outstanding invoices yet to be paid, but until they come in, there's nothing I can do.”

“Do you know how invoice factoring works?” Phillips asked.

“Not really,” Gail admitted.

“Okay, well we don't look at your business credit, we look at your clients' credit. We know they have some time to pay bills, and we're interested to see if they can pay those bills. If they can, we become interested in helping you out, because we think all businesses should have a fair shot to make it, and sometimes things just don't work out.”

“This is the first time it hasn't worked out,” Gail said. “And it's hard.”“I know. I hear about it every day. The cool thing about my job is I get to help fix it. So what we do, if we feel secure in our ability to help you, is we buy a piece of your accounts receivable. We aren't just loaning you money, we're basically becoming active in your business. That is you get the money you need right now, but we have an assurance that we get our money back, later down the road.”

Gail nodded behind her desk, even though the other woman couldn't see her. She had never heard of invoice factoring before she came across the site on the internet, but the way Phillips explained it certainly made sense.

The call continued, with Gail giving the information that Phillips would need. She promised to get back to her within a couple of days, and then they hung up. Gail went on with her work, and a day and a half passed.

Gail was at her desk when he phone rang then. It was Phillips.“Good news,” she said as soon as Gail said hello. Gail couldn't help but smile as Phillips went on. “We're going to be able to help you out.”

“You don't know how great it is to hear you say that,” Gail said.

“Believe me, I do,” Phillips said. “I get to say it more often than not, and I know that we're really helping good people, and good businesses.”

“The bank, they couldn't do anything,” Gail said, she felt salty tears stinging her eyes as they welled there.

“They aren't built to help people like we are. They just want as much money as they can get. We want money too, because it's a business, but if you don't succeed, we don't succeed, and it's also important to us that we help people.”

“So what's next?” Gail asked.

“Well the real answer is I fax some stuff over for you to fill out and sign, but the fun answer is your business gets the help it needs, and you keep going to work each day. Well, not the weekends.”

Gail couldn't help but laugh. “Believe me,” she said. “I work plenty of weekends.”

Phillips laughed as well, and then got the fax number she would need. Once again the women hung up and Gail let out a long breath as she sat back in her chair. She used a tissue to dab the tears from her eyes. She knew everything was going to be okay.

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Again invoice factoring To The Rescue

Phillips Truck and Haul has been in business since the mid1980s. They've delivered goods for nearly every major industry in the nation and for 20 plus years, business was booming as they've traversed the country in all weather for all clients. During the heady times from 2002 to 2007, Phillips was a top rated accounts receivable mastermind of the trucking industry. Few customers were ever late on bills and those clients who were, were sure to turn in their late payments within a reasonable amount of time. Cash was flowing and times were good for all.

But a short year later, in the fall of 2008, when the United States economy took a nosedive and businesses both small and large began to feel the pinch on their pocketbooks, those that used to make their demands had suddenly and largely gone silent. Business slowed down. And worse yet, Phillips had noticed during the early part of 2008 that though the bulk of their clients were always on time with payments, the few late-bloomers there were, had seemingly started to spread this illness. And as spring turmed to summer and summer into the early days of fall, James Phillips, CEO of Phillips felt a chill go down his spine whenever he would look at the weekly A/R reports. The numbers of clients who owed him back debt were growing.

He had gone to his administrators and asked them what the problem had been. Were they doing something wrong or different when it came to reaching out to delinquent accouts? By his bookkeepers records, this wasn't the case. He thought perhaps that he was losing clients to a competitor who offered rock-bottom prices with little to no guarantee of quality performance and the folks who owed Phillips money had jumped ship and decided to leave him holding the bag. They couldn't afford to pay him their debt, but they could afford a lesser service, maybe. But after doing the cursory research for this and talking to friends in the field, he found that alas, no, customers of Phillips hadn't gone elsewhere. They had just gone home.

The situation looked dire to James Phillips. He had employees to pay, goods to ship, trucks to maintain and overhead that was almost unbearable when compared against the lack of funds that were coming in. At night he would speak to his wife Linda and shake his head in frustration.

"I have a bad feeling, Lin," he would say with deep woe

."Well, what do you think it is?" she would ask.

James would stare off for a moment and then close eyes. He could see the fleet of trucks he had purchased over the years. He could see them traveling, bringing goods to all of his clients. But somewhere, a haze would form over his fleet and the vast number of vehicles would disappear to but a few. What could cause this ultimate death spiral of business?

"I know what it is," James said. "I've relied too long on the profits I receive from invoices alone. I've let too many of our customers go too long without paying on their bills."

Gail could only grab her husband's hand and look at him lovingly, "It's a hard economy. It might be awhile until things get settled up."

James knew his wife meant well, but he knew that he was responsible for too many people to sit idly by, waiting for the sun to peak over the clouds.

The next day James strolled into his office and was determined to sit down and make every phone call to every client who had owed Phillips money. Now, it wasn't the most efficient way to spend a day as a chief executive, what he really needed to be doing was to be overseeing all of the other intricacies of shipment and delivery and reaching out to prospective clients or retraining his sales team to do the same. Even though he was doing something to help his company, he knew he had folks on salary to do just this thing. Wasting money, wasting time - even with the best of intentions, James knew that he was in trouble.

After a half day of contacting debtors in vain - they dodged his calls or promised to call back at worst or made minimal interest-only payments at best - he was about to throw in the towel when his secretary Gail knocked at his door.

"James, can I have a word?" she asked standing in the doorway.

"Sure thing Gail, come on in." James leaned back in his chair and looked expectantly at Gail.

"Well, I did a little searching this afternoon and tried to figure out a way out of this mess James." She pulled a small stack of papers from a folder and set them on the desk before him.

"Have you ever heard of invoice factoring?" Gail asked."It sounds vaguely familiar. What is it?" he said.

"Well," she began, "Its actually quite simple really. So basically, invoice factoring invoices would enable us to get paid on the nose for loads that we haul."

"Immediately?" James interrupted.

"Yes, immediately," she continued, "In a nutshell, it's pretty easy. We can have an expert account manager review our numbers and help us complete a company profile. That profile will also include investigating our accounts receivable aging reports, our existing customer credit limits and so on. Additionally, the invoice factoring will help to determine the creditworthiness of our customers independent of their credit history with our business. It's a broad view.”

“I see,” James said. “And then what?”“Well, after their review, and we're approved for a invoice factoring contract, we can negotiate terms and conditions. There's a lot of flexibility depending on the business volume and credit histories. This company tells us what the cost will be to purchase invoice factoring for our accounts receivable. We come to an agreement and the funding starts pouring out.”

James leaned forward and reviewed the paperwork closely."It sounds too good to be true, Gail," he said. "Now, now, I know, I thought the same thing. But really, they have guaranteed us experts that do all the legwork, which would free us up here to focus on our clients in good standing and marketing, all that good stuff. And they're flexible James," she underlined a paragraph on the paper before him.

"How flexible?" he asked.

"They personalize the invoice factoring rates so that the amount they are willing to take on is commensurate with our needs and our client's debt. It only takes 2 to 4 days for this to be figured out.

"That sounds pretty good, seeing as we tapped ourselves out with bank loans last year to repair the fleet and money sure is tight. We need to keep business rolling as normal and every day we're going unpaid, we're closer to facing some serious problems in both the short and long term," James said.

He took a deep breath and looked at his secretary with something she recognized as hope.

"Exactly”. I think this might just be a way out of the trouble we're in with these folks who owe us money."

James thought about this and agreed with Gail. The clients who owed them money were long standing friends and professional resources of Phillips. They didn't want to throw away these relationships because they were having trouble paying their bills now. James knew that the economy had taken a hit and he knew that it would probably be a long time before things started to look up again. That unknown amount of time, if he handled these debtors incorrectly, could spell disaster for both of them. He didn't want to lose business but he also didn't want to lose any more money.

"Well, let me think about this tonight Gail, thank you." Gail nodded, stood up and left the office feeling that she had helped her employer keep on his shirt and hers too.

James sat behind his desk and looked over the details Gail had not mentioned in their meeting. What other issues could freight invoice factoring help Phillips with? With his pencil gliding down the sheet he noticed that the invoice factoring company could help fray the cost of fuel with fuel discount cards and fuel advances. In fact, Phillips could receive up to fifty-percent cash advances upon load pick-ups. As a man who hated binding contracts with no room to breathe, he was pleased to see that this invoice factoring company would not make him sign a long term contract, would not make him pay any sign up fees and there was no minimum volume required.

"Well, I'll have to tell Billy about this," James muttered to himself.His son-in-law Billy had liked the idea of Phillips so much and revered his father in law for having such business acumen that only two years before, he had gathered the venture capital to begin his own transportation service company. James knew then what struggles Billy would face but he encouraged him nonetheless. With the faltering economy, if a big fish like Phillips was hurting, a little guy like Billy was about to catch his death. But, an antidote may have been found in freight invoice factoring and James was soon to find out.

A few months later after going through the entire application process and having the experts review his accounts receivable, credit history and statements, James found himself beginning to dig his way out of the hole his delinquent account holders had created for him.

They took on reasonable invoice factoring purchase contracts and stopped spending their precious man hours scrambling to collect debt. They took that time and refocused effort to offering competitive prices in new territories. James looked back on the dismal months of life before freight invoice factoring and almost shuddered at the thought. Had he missed the boat on this one, he probably wouldn't be in business today.

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What You Ought To Know! There Are Big Differences separating trucking factoring Companies

You're probably thinking, "I don't have time for this!"

No other company comes even close!

Haven't heard of Factoring?

Factoring is Not a Loan

Factoring Doesn't Require Debt

so how do you go about picking the most suitable invoice factoring business FOR YOUR Little Rock business?

LEARN WHY OUR CLIENTS REFER US.

FINANCIALLY SOLID AS A ROCK

PART OF A VAST NETWORK

No Minimum

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Industry Veterans

Our Business is Your Business

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the latest TECHNOLOGY

We have the best deals for the trucking industry!

We have the best deals for the trucking industry!

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Enjoy exclusive savings on all your trucking needs.

Enjoy exclusive savings on all your trucking needs.

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Get Started Today— Set Up is Easy and Quick!

As you can see, we matter-of-factly have more to offer you.

And Not All Factoring Companies Can State This:

So, Can Your Little Rock Company USE Factoring?

HERE ARE JUST A FEW OF THE BENEFITS YOU Get WITH FACTORING:

There you have it.

Factoring History

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Is Invoice Factoring For You?

Credit Risk

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Little Rock

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Get Started Today—
Set Up is Easy and Quick!

Call Us Today at:
1-866-593-2195