Invoice Factoring Guides
Plain answers on UCC filings, tax liens, collateral, Notice of Assignment and the cash flow problems that send B2B businesses to factoring. For terms on your own invoices, use the invoice factoring quote form.
Factoring Collateral: What Secures Your Invoice Advance
What collateral does invoice factoring need? See how receivables, UCC-1 filings, personal guarantees and validity guarantees work before you sign.
Factoring With a Tax Lien: What an IRS Lien Means for Your Invoices
Can you factor invoices with an IRS tax lien? Learn how lien priority, installment agreements and a certificate of subordination affect approval.
Freight Factoring vs. Quick Pay: Which Gets Carriers Paid for Less?
Broker quick pay takes a discount on one load. Freight factoring advances on every freight bill. Compare cost, speed, broker coverage and paperwork.
Growing Too Fast: Why Sales Growth Drains Your Cash
Sales up but cash down? See why growing too fast on net terms drains working capital, and how invoice factoring and PO financing close the gap.
Hard Money Loan Alternatives: Fund Your Business From Receivables
Compare commercial hard money loans with invoice factoring, asset-based lending and PO financing. See cost, speed and what each one asks of you.
How Much Does Invoice Factoring Cost? Fees, Reserves and the Math
Invoice factoring costs one to three percent of the invoice per period. See how the fee is calculated, what the reserve returns and the annualized math.
How to Choose a Factoring Company for Your Business
Compare advance rates, fees, recourse, contract length and buyout terms before you sign a factoring agreement. A checklist for B2B owners.
Notice of Assignment: How Your Customers Pay When You Factor
A Notice of Assignment tells your customer to pay the factor. Learn what it says, how UCC 9-406 applies, and how a letter of release ends it.
Tariffs and Import Cash Flow: Paying Landed Cost Before You Sell
Higher tariffs raise the landed cost you pay before goods sell. See how importers use PO financing and invoice factoring to cover suppliers and duties.
Trucking Factoring Rates: How Much Factoring Costs Carriers
Trucking factoring rates run one to three percent of each freight bill per period. See the per-load math, reserve timing and how broker quick pay compares.
What Is a UCC Filing? How UCC-1 Liens Work in Factoring
Learn what a UCC-1 filing is, why a factor files one on your receivables, how lien priority works and how a UCC-3 ends it when you leave.