New to Factoring?

For those who aren't familiar with factoring, it is basically a fast way to get cash to run your business.

Factoring is Not a Loan

When you send your customers an invoice, they usually have 30 days to pay you back. Factoring companies will give you the bulk of the cash up front, sometimes within 24 hours, and collect the payments from your customers themselves. Once the invoices are paid in full, you’ll get the balance left over, minus a small fee.


Factoring Doesn't Require Debt

Sounds simple enough – fast cash for your business – no loans, no debt.

So how do you go about choosing the best factoring company?

Not all of them are created equal. Not all of them will give you the same level of service you need to help grow your business.

Everyone claims they have the simplest rate structure in the industry, no long-term contracts, same day funding, no up-front fees, no monthly minimums or maximums, etc., etc., etc.

We also offer these same benefits, but we GO THE EXTRA MILE FOR YOU that other factoring companies don’t.

Here’s Why We Are The Factoring Company You Need For Your Business

No other factoring company matches our level of superior service and offerings.


As you can see, we simply have more to offer you.

Other factoring companies don’t even compare.
Manchester

And Not All Factoring Companies Can Say This:

More than half of our new business comes through client referrals.

Some of the benefits you receive with factoring are:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Information for the city of Manchester

Manchester is the largest city in the state of New Hampshire, the tenth largest city in New England, and the largest city in northern New England, an area comprising the states of Maine, New Hampshire, and Vermont. It was first named by the merchant and inventor Samuel Blodget (after whom the Samuel Blodget Park in Manchester North is named). Blodget's vision was to create a great industrial center similar to that of Manchester in England, which was the world's first industrialized city.

 

It is located in Hillsborough County along the banks of the Merrimack River, which divides the city into eastern and western sections. Manchester is near the northern end of the Northeast megalopolis. As of the 2010 census, the city had a population of 109,565, and its 2013 population estimate was 110,378. The Manchester Nashua metropolitan area, with an estimated population in 2013 of 403,985, is home to nearly one third of the population of New Hampshire.[6]Manchester often appears favorably in lists ranking the affordability and livability of American cities. In 2009, ney.com rated Manchester 13th in a list of the 100 best cities to live and launch a business in the United States. In addition, Kiplinger voted Manchester the second most tax friendly city in the United States, second only to Anchorage, Alaska. Also in 2009, Forbes magazine ranked the Manchester region first on its list of "America's 100 Cheapest Places to Live."

 

According to the Equality of Opportunity Project, released in 2013, Manchester ranked as the seventh best metropolitan area in terms of upward income mobility in the United States.[10]Manchester is northern New England's largest city, and its metropolitan area is one of the fastest growing in New England. Its economy has changed greatly, as Manchester was a textile mill town about 40 years ago. In March 2009 Kiplinger voted Manchester the second most tax friendly city in America, after Anchorage, Alaska.[8] Earlier in the year, rated Manchester 13th in its 100 best places to live and launch a business in America.[7]

 

 

Information for the state of New Hampshire

Agriculture in New Hampshire is hampered by the mountainous topography and by extensive areas of unfertile and stony soil, but farmers are helped by the cooperative marketing that has expanded since World War II. Their main sources of income are dairy products, greenhouse products, apples, cattle, and eggs. Lumbering has been important since the first sawmill was built on the Salmon Falls River in 1631. Most of the timber cut now is used in paper production. Although New Hampshire has long been known as the Granite State, its large deposits of the stone, used for building as early as 1623, are no longer extensively quarried, the use of steel and concrete in modern construction having greatly decreased the granite market.

 

Mineral production, chiefly of sand, gravel, and stone, is today a minor factor in New Hampshire's economy. Year-round tourism is now the state's leading industry. Many visitors come to enjoy the state's beaches, mountains, and lakes. The largest lake, Winnipesaukee, is dotted with 274 inhabitable islands, while along the Atlantic shore 18 mi (29 km) of curving beaches (many state-owned) attract vacationers. Of the rugged Isles of Shoals off the coast, three belong to New Hampshire. Originally fishing colonies, they are now used largely as summer residences.

 

In the winter skiers flock northward, and the state has responded to the increasing popularity of winter sports by greatly expanding its facilities. When the snows melt, skiers are replaced by hikers, rafters, and climbers. Folk crafts such as wood carving, weaving, and pottery making have been revived to meet the tourist market

 

You are about to be relieved of the stress and time consuming process of collecting on your accounts receivable.  

Because factoring provides instant access to cash, it offers you the flexibility to grow your business at a faster pace. -Factoring Companies In New Hampshire

 

 

I LOST THE UGLY BACKUP IN MY OUTSTANDING RECEIVABLES  

Factoring Companies In New Hampshire Articles

Effective Ways for Small Businesses to Avoid Cash Flow Problems

 

Without steady cash flow most businesses will fail to thrive, especially small businesses and start-ups. We've all heard the phrase "Cash Is King" and that's certainly true for established businesses, but for new businesses just getting started cash flow is even more important. Sadly, many new businesses fail to realize just how devastating cash flow problems can be to a business trying to establish themselves in the market. In fact, many businesses die a sad and lonely death simply because of bad cash management, and these are businesses that would otherwise have survived had they not experienced cash flow problems. Statistics show that 82% of businesses fail because they were unable to manage their cash. That's a tragic figure, especially when there are effective ways for new, small, and even large businesses to avoid these problems.

 

So, let's take a look at some important rules that small businesses should be aware of to ensure they never have to face liquidity.

 

No. 1: It's Cash That Sustains Business Growth

 

So many businesses don't consider cash flow an issue because they see the orders flooding in; however, many growing companies do experience cash flow problems. Increased sales generally mean increased costs to deliver orders; plus, in order to support the new volume of business other sections of a business typically need to grow. Your business may appear to be highly successful as orders continue coming in, but keep in mind that the faster your business grows the more financing it will need.

 

No. 2: Margins Are Just Accounting - They're Not Cash!

 

We know that accounting, and accountants, can be pretty creative with figures because there's nothing shareholders and board members love more than hearing about the industry-leading margins you're achieving; but your board members and shareholders are not the ones who have to find the money to meet payroll and pay your landlord. Margins don't pay your employees. Your sales may be booked down when your customer's order is delivered, but how long will it be before you receive payment? 30, 60, 90 days, or even longer? If your customers are not paying you and you're struggling to pay your expenses, your business is now in survival mode. Keep in mind that you may have great accounting margins but still have an empty bank account.

 

No. 3: When You're Selling B2B (Business-to-Business) Cash Flow Problems Will Likely Be Your First Issue

 

The more sales you make the more money you make, but when you're selling B2B it's not always that simple. Yes, you sell and deliver goods or services to another business and provide them with an invoice, and your customer will pay the invoice at a later date. But how much later? If you chase the business too hard for payment they'll probably never work with you again, so you could receive payment months later. You're not going to pass up businesses who buy with high volume, so you have no choice but to wait. So, you end up with a cash flow problem.

 

No. 4: Cash Flow Problems Can Occur Very Quickly

 

It doesn't take much for cash flow management to become a serious problem, so monitor your cash flow very carefully. Determine how much of your working capital is locked into receivables, inventories, raw materials, and so on; and know exactly how much money is required to meet both your sales targets and operating expenses. You may have made the sales but that doesn't mean you have the cash, and you may have paid for inventory but that doesn't mean it's automatically a cost of goods sold.

 

No. 5: Your Inventory Ties up Cash

 

You can't sell your goods until you've purchased or built them and, whether your goods are sold or not, your vendor still expects to be paid. This means that your inventory is locking up your cash. You could eventually make two times or even three times your money on your inventory, but margins do not equal cash.

 

No. 6: You Must Be Practical About Working Capital

 

Working capital is the figure left over when current liabilities are deducted from current assets, which means it's the money you have in your bank account available for meeting operating costs, paying vendors, and buying inventory - all the while waiting for your business customers to pay your invoices. Understanding and grasping the concept of working capital is a very necessary survival skill in business because being able to maintain sufficient cash to pay your own financial responsibilities whilst dealing with all the unknowns in business can be very tricky.

 

No. 7: Be Clear on What "Accounts Receivable" Actually Are

 

The money owed to you by your customers is called accounts receivable, which means the money that's sitting in your customer's bank account that belongs to you is called receivables. Just like inventory, the amount of money in your accounts receivable column is money you don't have. Certainly, you've done the deal and you've sent the invoice, but now you're waiting to be paid. You must remain very vigilant until such time as the invoice has been settled and the money is physically in your bank account.

 

8. Monitor the Health of Your Business Very Closely

 

Three aspects of your business that require close monitoring include -

 

-Inventory Turnover: Measure how long your inventory stays on your balance sheet without being converted to cash;

 

-Collection Days: Measure how long it takes to receive payment for services rendered or goods sold;

 

-Payment Days: Keep a record of how long you wait before paying suppliers.

 

Now, make a plan. Project these figures out to 12 or 18 months ahead then compare your plan to what actually occurs. This is a really great way of gaining some insight into your own business.

 

No. 9: Prepare for Financing before You Actually Need It

 

Don't wait until you need financing to start reaching out to finance companies. Contact companies who provide financing, especially credit line financing, and look for products where interest is not payable if the money is not used. Don't wait for your business to have cash flow issues. Waiting until you urgently need cash or a loan will subject you to higher interest rates and dodgy terms. Start the process while your business is healthy, which will allow you to negotiate finance terms from a position of strength. We strongly suggest you be proactive and find a partner ready to finance your business; a partner that's prepared to grow with you.

 

 

You are about to be relieved of the stress and time consuming process of collecting on your accounts receivable.

 

 

Factoring Companies In New Hampshire Articles

 

 

 

 

 

Factoring Companies In New Hampshire Articles

Why Do Companies Choose Factoring?

 

We know that factoring is the ideal way for a business to access instant cash on their company's receivables, but there are other important benefits as well. Factoring can be a very handy financial instrument for many businesses.

 

Listed below Are Six Key Benefits of Factoring

 

No. 1: Back Office Solutions

 

Anyone running a business knows just how time consuming and expensiveit can be collecting payments from customers. When you employ a factoring company they'll take over that role for you using their own collection specialists: it's their job to follow up with customers until such time as your account has been paid in full. In addition, some factoring companies use online accounts, which means that you'll have the ability to track your customers' payments in real time.

 

Handing this time consuming part of your business over to the factoring company frees up your time to do what you do best - running your business, looking for new business opportunities, and providing your customers with excellent customer service.

 

No. 2: Better Quality Customers

 

Some factoring companies have their own rating systems for companies involved in your industry, in addition to having access to credit data on companies that could well become your new customers, and days pay information. Others create their own rating systems for companies working in your industry, which allows you to make calculated, informed decisions about both existing and new customers.

 

No. 3: Instant Access to Cash

 

When a company provides goods or services on credit it usually has to wait somewhere between 30 and 90 days for customers to pay on their invoice, and this very often leads to cash flow problems for the business. And that's the beauty of factoring! When you use a factoring company you'll typically receive an advance on an invoice within 24 hours. This immediate injection of cash allows businesses to purchase additional equipment, employ new staff, and cover other business expenses.

 

No. 4: Growing Your Business

 

Because factoring provides instant access to cash, it offers you the flexibility to grow your business at a faster pace. In addition, factoring is very simple to set up. A factoring account can be created within a matter of days, whereas a traditional bank loan can take weeks. And, there's no limit to the amount of funding a factoring company can provide, unlike bank loans. Of course, this is assuming the factoring company you choose to work with has a strong capital structure. Over a period of time, the volume of factoring can increase within months - from thousands to millions of dollars.

 

No. 5: Funding for Start Ups

 

Start Ups quite often require financing to get their business up and running; but because they have no cash flow statements or balance sheets, and no business history, they're highly unlikely to qualify for cash flow or asset based lending.

 

Factoring is not concerned about these requirements because it's main interest is in the credit history of your customers. Before a factoring company offers you financial assistance it will examine your customers' credit scores, their payment patterns, and general financial health. Typically, the factoring company will not be interested in how long your company has been operating.

 

No. 6: Factoring Is Not a Debt

 

Factoring does not become a debt to your business because it's not a loan. Your business receives financial support from the factoring company as and when you accumulate invoices, and the matter is settled once your customers have paid in full. It's true that if you're utilizing recourse factoring, you, as the factoring client, assume the risk if your customers default on payment; however, factoring companies usually allow businesses to work off that amount by retaining a portion of reserve payments or future cash payments.

 

 

 

 

 

Factoring Companies In New Hampshire Articles

Factoring: An Overview

 

What Is Factoring?

 

'Factoring' is when a third party commercial finance company purchases the Invoices or Accounts Receivable from a business. The finance company concerned is called a 'Factor' and the transaction is known as 'Factoring'. Factoring is also known as 'Accounts Receivable Financing' because factoring occurs when a business needs to access cash quickly, quicker than if it had to wait the 30 to 60 days (or longer) to receive payment from a customer.

 

The majority of factoring companies purchase invoices and advance cash within 24 hours, although the terms and nature of factoring can differ between industries and different financial service providers. Depending on the industry, the customers' credit histories, and various other criteria, the advance rate can range from between 80% and 95%. The business also receives back office support from the factor. Once the factor has collected from the business's customers, the business will be paid the reserve balance of the invoices, less a nominated fee for assuming the collection risk.

 

The main benefit of factoring is that a business is not required to wait one or two months (sometimes more) for payment by a customer - the business will receive cash in hand to operate and grow their business. It's important to note that factoring is not a loan: there's no debt with factoring. Funding is unrestricted, which means that a business has more flexibility than borrowing from a bank.

 

The Five Simple Steps of Factoring

 

1. As a business, you provide a service to your customer;
2. The invoice for this service is sent to a factoring company;
3. On this invoice, you'll receive a cash advance from the factoring company;
4. It's now up to the factoring company to collect full payment from your customer;
5. Once payment has been received, you'll receive the balance of your invoice account from the factoring company - minus their fee.
The Advantages of Factoring

 

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! The factoring company takes responsibility for collecting customer payments, and may also evaluate the payment and credit histories of a business's customers.

 

Other Benefits Include:

 

' When a business needs access to cash, factoring can be customized and managed in order to provide the necessary capital;
' The business balance sheet will not show this financing as a debt;
' Factoring is not based on the company's credit or business history: it's based on the quality of its customers' credit;
' Factoring is not determined by the company's net worth: it provides a Line of Credit based on sales;
' There's no limit to the amount of financing through factoring, unlike a conventional loan;
' Factoring is an ideal solution for start up businesses that often require immediate cash flow.

 

Is the Concept of Factoring New?

 

No, it's not! In fact, the origin of factoring comes from overseas trade among nations and dates back several centuries to the 1400s when it became part of doing business in England. In the year 1620 it arrived in America with the Pilgrims. Like other financial tools, factoring has improved and evolved over the years. It became an effective way of creating cash flow in the United States at a timewhen companies faced strict limitations when trying to secure loans in the country's damaged banking system.

 

Who Uses Factoring?

 

Factoring is available for companies of all sizes, ranging from a one person business to Fortune 500 companies. Every business can use factoring as an effective way of increasing their cash flow. In addition, factoring spans all types of industries, from transportation, trucking, textiles, manufacturing and distribution, staffing agencies, and oil and gas.

 

The cash generated from factoring is used by companies to purchase new equipment, pay for inventory, expand operations, add employees, and basically cover any expenses related to the running of their business. The beauty of factoring is that it allows companies to make quick decisions and to expand at a faster pace.

 

How Does Factoring Work?

 

For the purpose of this post, we'll describe a fictional example as a way of illustrating a common factoring situation.

 

XYZ Transport is a trucking company: their intention is to double their fleet size over the next two years in order to service more clients in the West. The company has just successfully won a new customer on the West Coast who requires freight to be shipped from Oklahoma to Los Angeles. This new customer is more than happy to pay for the service within 30 days; however, that won't cover all the immediate costs involved, like payroll, fuel, and maintenance costs of running the route.

 

This is a familiar situation for the owners of XYZ Transport: the lack of available cash flow in the past has prevented the company from accepting new business. So now XYZ Transport has turned to a factoring company: they have agreed to sell the West Coast customer's invoice to the factoring company in exchange for a 90% advance on the total amount - within 24 hours! This much needed influx of cash will replenish the trucking company's reserves and allow it to continue running the Oklahoma - Los Angeles route. In addition, XYZ Transport now has the added flexibility of taking on new customers.

 

How Much Do Companies Factor?

 

Each company has its own unique business needs, so somecompanies only factor invoices for customers that are slow in paying, whilst other companies factor all of their invoices. Companies can factor receivables ranging from a few thousand dollars right through to millions of dollars each month.

 

What's the Difference between Factoring and a Traditional Bank Loan?

 

Factoring, also known as Accounts Receivable Financing, is a quick, flexible and effective way for businesses to create a steady cash flow stream. See below for how factoring is different to a Line of Credit at a bank or a traditional business loan

 

 

 

 

 

Factoring Companies In New Hampshire Articles

Why Trucking Companies Use Factoring Companies.

 

As the owner of your own business, you may be more than aware already of the difficulty in making sure that cash flow issues do not become a problem down the line. After all, the worst thing that can possibly happen for your business is to find yourself embroiled in a long and difficult situation that leaves you forever trying to find the cash you need on an ongoing basis.

 

For any business in this situation, the problem can come for waiting for work to clear up and actually be paid into your account. Invoices, checks, and the like can take some time to actually to be processed which can leave you with short-term cash flow issues. Thankfully, there are options out there for businesses to look into - and one of these is factoring companies.

 

Factoring companies will, in exchange for your invoices, provide you with the cash today so that you don't need to worry about the waiting period that could make paying the bills and getting materials more difficult. With this type of setup, invoice factoring can become incredibly useful for many businesses who need to get out of a cash trap which they have found themselves in.

 

Because, depending on the size of the job, it can take up to 60 days for some businesses to get paid then it's important to cover your own back and not leave yourself cash short to pay the bills. After all, how many businesses have two months revenue just lying there to cover all their expenses until they get paid?

 

This is especially true of trucking companies. They tend to deal with lots of invoices which means a significant amount of collection time involves business owner themselves. Trying to get paid in time can become an incredible hassle and this is why you use trucking factoring companies who are happy to help out truckers specifically.

 

As we all know, trucking is an incredibly large industry with many companies out there employing hundreds of drivers. Unfortunately, many of these drivers end up in money troubles because they are still waiting for work from six weeks ago to actually pay them. When this is the situation for a trucking company, turning to factoring companies for assistance might be the best choice left.

 

This means that a trucking company can pay the wages of the staff, keep all the trucks topped off with fuel and continue to scale, grow and expand without always waiting for the money which is taking too long to come in. Trucking Businesses running without a factoring program put in place are leaving themselves at significant risk, as competitors cash out fast and continue to expand.

 

There's genuinely nothing to be worried about when it comes to using a Factoring company - they aren't like a bank or somebody who is going to leave you with a huge pile of debt to pay back. You give them genuine invoices from work you have already finished, you are merely speeding up the payment process.In the United States, where trucking companies thrive, factoring companies are not considered borrowing in any capacity. This confidential agreement then allows both parties to profit and enjoy a comfortable future - it gives the factoring company a guaranteed asset of income to add to the list and it gives the trucking firm the needed cash that they worked hard to earn.

 

The trucking company provides their invoices to the factoring company. The trucking factoring company then receive the payments from the trucking company's customers. Factoring has been around for hundreds of years and has been used for many years by many different industries - but none more so than truckers. While you may miss out on a small part of the money, something like 1-3% depending on who you work with, it means that you are getting the money today and can actually start putting the money to work.

 

After all, an IOU or an invoice is not going to pay for expenses, is it? For trucking companies when the money can be good one day and gone the next, it's up to the drivers to work sensibly and to ensure they are leaving themselves with a significant amount of time and finance to get through the week until they are paid again.

 

So the next time your trucking business is having some short-term cash flow issues and you are spending too much time chasing slow paying clients, why not start considering using a factoring businesses as a way to get your money and give yourself a more comfortable future in the eyes of your trucking staff and your bank balance?

 

 

 

 

 

Factoring Companies In New Hampshire Articles

Medical Factoring: Healthcare Professionals Choose Medical Factoring As Their Preferred Financing Option

 

Healthcare professionals are finding that business loans and commercial lines-of-credit are becoming more difficult to qualify for, so today we're seeing more healthcare professionals looking to medical factoring to alleviate cash flow problems. All types of medical and healthcare practices can benefit greatly by choosing to factor their receivables and thus receive immediate cash payments.

 

In the past, healthcare has typically been a resilient industry, but today we see this industry facing financial challenges that leave practices struggling to meet their own financial commitments. Cash flow was virtually a non-issue for medical facilities, professionals, and their suppliers, but today with Medicaid, Medicare, and private insurance companies working with strict reimbursement guidelines, professionals are forced to wait much longer than they previously waited to receive payment on their invoices. In addition, complicated documentation and billing requirements are resulting in fewer dollars and longer waiting periods.

 

Financial Difficulties Experienced by Healthcare Professionals

 

The above issues are creating serious problems for a large number of medical providers who not only must wait longer to get paid less money, but who are also forced to deal with growing operating expenses, including salaries and other benefits. Operating under these unsure conditions means that the viability of these businesses is being threatened and it's become almost impossible for them to pursue new growth opportunities. Today, a medical practitioner operating a relatively small practice could have receivables of up to $1 million tied up!

 

Any business that's confronted with cash flow problems will typically look to banks or other lenders for a loan. Offering the business a loan or line-of-credit can certainly be very helpful in the short term, but unfortunately neither of these products are an ideal financing solution because neither will permanently solve the real problem.

 

A business loan may be ideal for fixed capital purchases, but it's no solution at all for handling recurring business expenses. A line-of-credit can certainly be very helpful, but because it will have a credit limit and a fixed term it won't provide a renewable source of business capital. Once the credit limit has been reached or the term of the line-of-credit expires, the lender may either increase the credit limit or perhaps not renew it at all. It's a sad fact that, today, many healthcare professionals are finding themselves in this unfortunate situation.

 

Finding the Ideal Medical Financing Solution

 

The perfect financing solution would be one that's flexible and one that would provide a steady and reliable source of working capital. It would grow with the healthcare business, without the need to re-apply or having to approach a bank for an increase in the credit limit. In short, this perfect financing solution would provide working capital to finance both the current and future growth of the business. So, is there such a solution? Fortunately, yes there is! It's called medical factoring.

 

Explaining Medical Factoring

 

Medical factoring is a receivables factoring program designed exclusively for medical invoices. Because factoring medical receivables can be quite challenging, many factoring companies today are specializing only in the healthcare industry. It does require a certain amount of expertise to manage the medical claims process; plus, it becomes even more challenging when many healthcare receivables are either reduced or denied altogether by insurance providers.

 

What Types of Business Can Use Medical Factoring?

 

Many business owners are surprised to learn that factoring in general has been around for a long time. Medical service providers, in particular, seem to be completely unaware of the existence of factoring. The truth is that invoice factoring has become one of the most flexible and powerful business financing tools available today.

 

Many healthcare providers can benefit greatly from choosing medical factoring. Below we've listed just some of the healthcare service providers who can achieve huge benefits from a medical factoring program.

 

- Hospitals

 

- Medical Centers

 

- Physicians: Both Specialists and General Practitioners

 

- Outpatient Clinics and Facilities

 

- Medical Staffing Services

 

- Medical Labs

 

- Dialysis Facilities

 

- Home Healthcare Providers

 

- Physical Therapy Clinics and Groups

 

- Rehabilitation Centers

 

- Medical Equipment Providers

 

- Medical Labs, and

 

- Many More

 

What Are the Benefits of Factoring Medical Receivables

 

The benefits to healthcare professionals are very similar to the benefits enjoyed by many businesses in many other industries. They include -

 

- Faster (almost immediate) payment;

 

- Increased percentage of billings collected;

 

- Consistent cash flow;

 

- Access to debt-free working capital;

 

- Stress-free outsourced accounting and collection; and

 

- Being able to improve your business credit.

 

Medical Practices Can Depend on Factoring for Reliable Cash Flow

 

Medical factoring is an excellent financing alternative for medical practices because practices receive consistent and flexible financing which is directly tied to their insurance claims. This means that the financing will increase as more claims are filed. It's highly desirable for all medical practices to achieve a scalable and reliable cash flow, thus ensuring sufficient liquid business capital to cover operating expenses.

 

And with medical supply companies the situation is very similar. Depending on the volume of sales these companies can achieve fast and predictable business financing by signing up for a medical factoring program. And, as sales continue to grow so does the amount of financing, providing the much-needed working capital required to both grow and maintain business operations.

 

Medical Receivables Factoring for Smaller Medical Offices

 

Medical factoring is especially beneficial for smaller medical offices. Office overheads and staffing expenses can be dramatically reduced because the factoring company will take control of the more tedious and time-consuming administrative work involved in collections and processing claims. This frees up remaining staff members to concentrate on delivering excellent medical care. If you're a small medical practice and you have good growth prospects but a slow cash flow, receivables factoring could well be the ideal tool to assist in financing the growth of your business. You'll find that many factoring companies have minimums, and there are factoring companies prepared to finance a medical office billing just $50,000 per month.

 

Explaining How Medical Factoring Works

 

In simple terms, if a healthcare business is dependent on third-party payors, those payments will be accelerated with medical factoring. Within just days of the initial billing, the majority of the amount billed will be deposited directly to the business's bank account. The instant rewards are a dramatic shortening of the collection cycle and the elimination of cash flow problems for the business concerned.

 

Importantly, receivables factoring is not a loan, so there are no credit or financial requirements; there will be no impact to your balance sheet and there are no arbitrary limits. Medical factoring is the ideal financing tool for business growth because you can factor as much billing as your business is capable of generating.

 

How Long before My Business Is Accepted for Factoring?

 

With medical factoring there are no lengthy delays, certainly not like when applying for bank finance! A medical factoring program will usually take around two weeks to set up. This timeframe allows the factor to determine the stability of the medical practice and to ensure the reliability of its third-party payors. Then, once a medical factoring program is in operation, the financing will be predictable and constant. Once claims have been submitted to the medical factoring company, claims are typically funded within 48 hours.

 

The process of medical factoring is very simple, as follows -

 

 

- Your medical practice periodically submits billings to Medicaid, Medicare, and insurance companies. At the same time, copies of these billings should be forwarded to your factor.

 

- Within 48 hours of receiving a copy of these billings, the factor will deposit an advance of up to 85% of net collectables into your bank account. The balance will be held by the factor until such time as the account has been paid in full.

 

- Once the factoring company has received payment in full, the balance of the billings - less the agreed-upon factoring fee - will be remitted to you.

 

Medical Factoring Fees

 

Medical factoring fees vary depending upon the size and types of claims generated by the medical practice. It's not known why medical factoring today is not as widely known as it is in other industries; however, interest in this type of financing is now becoming more popular and widespread as business owners are beginning to understand the many financial and other benefits of medical factoring.

 

Medical factoring in the healthcare industry is fast becoming a widely accepted tool to resolve shortfalls in working capital financing and as a long-term solution for patient accounting support and medical financing. It's certainly a tool that healthcare businesses should give careful consideration to because cash flow problems can stall growth and prosperity in businesses of all sizes and types.

 

 

 

 

Factoring Companies In New Hampshire Articles

Invoice Factoring; The Best Way to Grow a Temp Staffing Agency

 

When temp agencies are struggling with cash flow problems they typically have two options; the first option is to apply for a business loan from a bank or other lender and hope they achieve a favorable result. Their second option is to use invoice factoring, so in this post we're going to discuss why invoice factoring could be their best choice.

 

Many businesses in many varied industries are discovering that invoice factoring is the ideal way of addressing cash flow issues, and this is also true for temp staffing agencies. In fact, it may be even more true for temp staffing agencies because these agencies don't receive payment from clients until such time as their job vacancy has been filled and the selected applicant has completed a period of work. It's not surprising, then, that temp staffing agencies often struggle with cash flow issues!

 

How Factoring Can Help Temp Staffing Agencies With Cash Flow

 

Temp staffing agencies are required to use their own finances to pay for the necessary advertising in order to place their job candidates. The client is only invoiced once the temp agency has located the perfect applicant and that person has actually worked, which can involve a long period of time before being paid. And when they are paid, they're often paid on a per-hour basis, determined by the number of hours the successful applicant has worked. In the meantime, the temp staffing agency still has its own financial obligations, like rent, payroll, advertising costs, office supplies, and so on. All these expenses must be paid by their due date, which can place an agency in a short-term (sometimes long-term) financial crisis.

 

Temp Staffing Agencies Must Meet Their Own Financial Responsibilities

 

Like any other business, temp staffing agencies can't postpone their own financial obligations, so they need access to money. Rent must be paid, utilities must be paid, and their employees need to be paid on a regular basis. All business offices require supplies and money must be available to advertise job openings, so it's understandable that waiting to be approved for a bank loan may not be a practical or even feasible option. These temp staffing agencies need access to money, and the sooner the better. That's why we suggest that invoice factoring may be the ideal solution for resolving a temp staffing agency's cash flow problem.

 

How Factoring Works for Temp Staffing Agencies

 

When any business decides to negotiate an invoice factoring program to generate instant cash, the business may, in many cases, secure up to 92% of the total value of their invoices within 24 hours! Note that if this is the first time the temp staffing agency has worked with a factor it could take between four and seven days to establish a factoring program. Either way, the agency's cash flow problems will be over, and they can proceed to conduct and grow their business.

 

Many temp staffing agencies are affected by cash flow problems, sometimes only occasionally, but we strongly suggest all agencies learn about factoring and how it works, just in case the need for immediate cash should arise. Invoice factoring has become a very popular financing option for many businesses, particularly those who need an urgent cash injection. Most times, money will be advanced within 24 hours once the agency has established a relationship with a factoring company.

 

Invoice Factoring is NOT a Loan!

 

Another bonus of invoice factoring is that it's not a loan. Basically, all the temp staffing agency is doing is accessing money that's already owed and payable to them. Factoring simply provides a means for the agency to access this money when it's most needed

 

Now, temp staffing agencies don't need to approach banks and other traditional lending authorities, hoping and praying they qualify for a loan. All that's required is for the agency to provide the factoring company with copies of the invoices they wish to sell, together with time sheets for each employee. Then, within 24 hours the agency will receive a cash deposit into their bank account. No more cash crisis! The temp staffing agency will now have funds to meet their regular financial obligations without the need to take on any further debt.

 

 

 

 

 

Factoring Companies In New Hampshire Articles

Payroll Funding: The Perfect Solution for Financing a Temp Staffing Agency

 

Many people run very profitable temp staffing agencies. Today's business environment lends itself very nicely to outsourcing employees instead of hiring them; thus providing staffing agencies with very attractive financial opportunities. But, like all other businesses, temp staffing agencies require working capital. In this industry, accessing capital can become a serious problem and many agencies struggle to meet their own financial obligations. In addition, business growth suffers because the agency is unable to add new clients. Fortunately, there is an answer to cash flow problems in temp staffing agencies.

 

Payroll: The Biggest Expense for Temp Staffing Agencies

 

Perhaps the most important expense, and often the biggest expense for a temp staffing agency, is employee payroll. It's vitally important that employees are paid regularly and on time. Failure to cover payroll will result in your employees leaving and seeking work elsewhere.

 

Of course, there are other financial obligations to be met by the temp staffing agency, such as paying employment taxes. Failure to meet tax obligations can become a costly and serious legal issue for agencies, with the result that businesses begin to struggle.

 

All Businesses Need Funds to Grow and Prosper

 

Most clients (both commercial and government) settle their invoices within 30, 60, and sometimes 90 days, and it's this lengthy period of time that creates financial issues for staffing agencies. Once a staffing agency has accepted a new client, it must be capable of covering the employee's wages for a period of up to 2 months - and this is before the agency itself starts being paid. So, in order to meet operating expenses, it becomes imperative that the staffing agency has a substantial cash reserve. And, the bigger the contracts the bigger reserve required. Without this reserve, the agency won't be able to accept new contracts, and without new contracts there can be no growth. What a vicious cycle! And it all comes down to cash flow.

 

Grow Your Temp Staffing Agency with Payroll Financing

 

Today there's an easy way to resolve cash flow problems experienced by so many businesses. It's called Payroll Funding, and it's a solution that's been designed specifically to assist staffing agencies access much-needed working capital.

 

What Is Payroll Financing?

 

Payroll financing is just one type of invoice factoring, and invoice factoring is a financing solution designed to help businesses finance their slow-paying receivables. With payroll financing your agency will receive immediate funds. No waiting 30, 60, or 90 days to receive payment from your government or commercial clients because you'll receive a payment from the factoring company within a day or two of receiving your invoice. Sounds too good to be true, doesn't it! Well, it is true, and it works very well for many businesses in many industries.

 

Factoring works because it provides the much-needed working capital required to cover payroll and other running expenses. Now you don't need to stress about slow paying clients; you can still meet your financial obligations and continue growing your business

 

How Factoring Works

 

Invoice factoring is a very straightforward process. Basically, your invoice will be financed in two payments. The first payment you receive will cover approximately 90% of the total value of your invoice, and your agency will receive this payment once you've submitted the invoice for financing. You'll receive the remaining payment, typically 10% less factoring fees, once your client has paid their account. It's important to note that your clients will still pay on their regular schedule; they're not being asked to pay any sooner.

 

Payroll Funding Is Available to Small Agencies Too!

 

Don't be concerned that your agency may be too small to be accepted for payroll funding. This is one of the great advantages of factoring; that it's available to businesses of all sizes, even start-ups. The reason for this is that factoring companies are more interested in the credit quality of your customers, because the factoring company is financing the invoices, which are the assets. When you apply for factoring, the factoring company will confirm whether (or not) your clients have good commercial credit, because this is what will determine if the factor is prepared to finance your invoices. So, if your temp staffing agency has reliable-paying customers, your business is an ideal candidate for payroll financing. You can see, therefore, that factoring becomes a very attractive financing option for agencies with a strong lineup of clients.

 

Grow Your Agency with Payroll Factoring

 

In case you're still not entirely clear about payroll factoring, let's have a look at a hypothetical example

 

Let's say you can't afford to grow your temp staffing agency because you're experiencing cash flow problems. A new client has just contacted you and requested 5 full-time employees for a 6-month period. This new client is a relatively large company with a good reputation. Unfortunately, though, you can't afford to carry the cost of this contract because they wait 50 days to pay their invoices.

 

The solution: You'll invoice this new client weekly and factor the invoice. By factoring the invoice you'll receive weekly cash advances, which means your agency can both service the new contract and continue paying your employees in a timely manner. Providing you're servicing reputable clients with no credit issues you'll be able to use receivables factoring to continue growing your agency. Besides resolving immediate cash flow problems, payroll factoring could be the catalyst for growing your business well in excess of its current capabilities.

 

 

 

 

 

Factoring Companies In New Hampshire Articles

Bookkeeping Mistakes Commonly Made by Freight Brokers

 

It's true that freight brokers shoulder a lot of responsibility; from matching shippers and carriers, to ensuring that each and every piece of cargo arrives at its proper destination. Freight brokers also have the added responsibility of accurate bookkeeping, because failure to prioritize bookkeeping can result in the loss of money.

 

Below we've listed some common bookkeeping mistakes made by freight brokers, and how to avoid them-

 

Handling the Accounting In-House

 

Many business owners try to save money by handling the books themselves, or perhaps delegating this very important task to a family member or an inexperienced employee. Sure, you may save time and money initially, but errors can be costly: when you attempt DIY accounting you could well end up with more expensive financing terms, higher bond premiums, or a number of other unforeseen expenses. It's very important that you hire a competent bookkeeper because, not only will you save money, but you'll know that the job will be done accurately, quicker, and more efficiently.

 

We understand only too well that running any business is time-consuming and hard work, and many freight brokers are simply too busy doing their day-to-day tasks to focus on bookkeeping tasks, such as the monthly reconciliation of credit card accounts and bank accounts. It's through reconciling statements that you get a clear idea of how much credit or cash you actually have, and you can also pick up on any errors that may have occurred.

 

It can be so tempting to postpone this rather tedious task, but the truth is that your credit card statements and bank statements must be reconciled every month, preferably the moment each statement becomes available. In this way you'll be able to identify any potential problems in a timely manner; problems such as lost checks, missing deposits, fraudulent charges, and so on.

 

Failing to Track Invoices and Receivables

 

You're not going to get paid if you're using poor accounting practices with your accounts receivable. Let's face it, getting paid equals cash, and cash is the lifeblood of every business. An experienced freight broker understands that your cash flow can be strained by the delay between when you pay your carriers and when you receive payment from your customers. If you're finding that tracking and collecting invoices is taking too long, why not consider invoice factoring? An invoice factoring company will purchase your invoices for a small fee, with the bonus being that you get paid immediately, plus you're spared the time and expense of having to deal with collections.

 

Don't Forget Liabilities

 

One of the major considerations a surety has when looking at your business financials in order to underwrite a bond is whether you have sufficient assets to cover your liabilities. Many times we see an inexperienced bookkeeper recording a liability, but when the payment is made they forget to reverse the liability. This is a serious error because it results in liabilities being overstated and net income being understated, which makes your business appear to be less financially secure than it really is. These serious errors can be avoided by employing the services of an experienced bookkeeper. We also recommend that you have another set of eyes (which may be an owner or a CPA) regularly review the balance sheet to check for unusual account balances

 

Too Many Expense Categories

 

Another common error we often see with inexperienced bookkeepers is creating too many expense categories, or miscategorizing expenses. Generally, most industries and businesses have a standard set of expense categories, and when a loan underwriter or surety sees too many categories, or the miscategorizing of expenses, it stands out like a big red flag. It tells them that your books are not well prepared. Use an accountant or experienced bookkeeper to correctly set up your accounting software right from the beginning, and don't automatically add new expense categories unless careful consideration has been made. Remember to ask your accountant or CPA for advice, because they'll be able to guide you on how to classify expenses.

 

Incomplete Information on Invoices

 

It's very important that, when you invoice your customers, you provide sufficient detail on each line item. Do you invoice by weight, per piece, or per mile? Or is the charge a flat fee? If there are additional charges to invoice, such as reimbursements for fuel or fees, these should be listed as separate line items. In addition, these charges must be clearly and accurately detailed in order to avoid any confusion. When you send invoices to your customers that include clear and concise details, it prevents pushback from your clients. If there's missing information on your invoices and your customers are confused by unrecognizable charges, it could well cause a delay in payment, which is the very last thing business owners need.

 

Not Understanding the Functionality of Accounting Software

 

Many freight brokers purchase an accounting software package because they're anxious to get their business up and running, but they fail to learn how to use it correctly. This is probably not an issue if you're already outsourcing your accounting and bookkeeping tasks; but if you're using this software in any way at all, perhaps to enter checks and run reports, it's important that you spend some time learning how to use all the available functions. When used correctly, the right accounting software can save you a lot of time, in addition to providing real-time information on the state of your business. It's this information that helps you make important business decisions!

 

 

 

 

 

 

Factoring Companies In New Hampshire Articles

 

 

 

Factoring Companies In New Hampshire Articles

Discovering Trucking Factoring

 

Lambert 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, Lambert 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, Lambert 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, John Rondstadt, CEO of Lambert 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 Lambert 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 Lambert hadn't gone elsewhere. They had just gone home.

 

The situation looked dire to John Rondstadt. 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.

 

John 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," John 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."Rhonda 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."John 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 John strolled into his office and was determined to sit down and make every phone call to every client who had owed Lambert 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, John 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 Beverley knocked at his door."John, can I have a word?" she asked standing in the doorway.

 

"Sure thing Bev, come on in." John leaned back in his chair and looked expectantly at Beverely. "Well, I did a little searching this afternoon and tried to figure out a way out of this mess John." She pulled a small stack of papers from a folder and set them on the desk before him. "Have you ever heard of factoring?" Beverley asked."It sounds vaguely familiar. What is it?" he said. "Well," she began, "Its actually quite simple really. So basically, factoring invoices would enable us to get paid on the nose for loads that we haul.""Immediately?" John 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 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," John said. "And then what?""Well, after their review, and we're approved for a 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 factoring for our accounts receivable. We come to an agreement and the funding starts pouring out."John leaned forward and reviewed the paperwork closely.

 

"It sounds too good to be true, Bev," 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 John," she underlined a paragraph on the paper before him. "How flexible?" he asked. "They personalize the 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," John 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."John thought about this and agreed with Beverley. The clients who owed them money were long standing friends and professional resources of Lambert. They didn't want to throw away these relationships because they were having trouble paying their bills now. John 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 Bev, thank you." Bev nodded, stood up and left the office feeling that she had helped her employer keep on his shirt and hers too.John sat behind his desk and looked over the details Bev had not mentioned in their meeting. What other issues could freight factoring help Lambert with? With his pencil gliding down the sheet he noticed that the factoring company could help fray the cost of fuel with fuel discount cards and fuel advances. In fact, Lambert 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 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," John muttered to himself.His son-in-law Billy had liked the idea of Lambert 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. John knew then what struggles Billy would face but he encouraged him nonetheless. With the faltering economy, if a big fish like Lambert was hurting, a little guy like Billy was about to catch his death. But, an antidote may have been found in freight factoring and John 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, John found himself beginning to dig his way out of the hole his delinquent account holders had created for him.

 

They took on reasonable 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. John looked back on the dismal months of life before freight factoring and almost shuddered at the thought. Had he missed the boat on this one, he probably wouldn't be in business today.

 

 

 

 

You Can Find More Information at  http://factorreceivables.net/
and at www.medicalreceivablefactoring.org/

Call Us Today at: 1-888-266-0197

 

Watch our Factoring Company Video below to see how we work for you.

 

 


 

Get MONEY NOW for your outstanding receivables.

 

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