Financial Solutions

Factoring with United Capital Funding is fast, simple and hassle-free. Find out how we can be your solution below.

What is Factoring?

It's no secret that cash flow is the lifeblood of every business. Accounts receivable factoring is a process that turns your accounts receivables (invoices) into cash flow by eliminating the waiting period while your invoices are paid. This process works for companies with a business-to-business (B2B) and business-to-government (B2G) model.

This provides businesses with the opportunity to have consistent cash flow for ongoing operations and additional cash reserves to fund growth opportunities. For many businesses, maintaining enough cash can be difficult, especially if a business is young or experiencing rapid growth.

United Capital Funding provides help to these businesses through factoring and gives them working capital quickly.

Factoring Solution

How Does Accounts Receivables Factoring Work?

Accounts Receivables Factoring with United Capital Funding is fast, simple and hassle-free for businesses with a business-to-business (B2B) and business-to-government (B2G) model. Clients fill out a schedule of invoices they wish to sell when capital is needed. Upon receipt of the schedule, United Capital Funding will fund up to 90% of the total amount on the same business day. Once the invoice is collected at a secure lock box, the reserve account (less a small fee) will be returned to you. Our clients enjoy the benefits of same day funding, as opposed to waiting up to 90 days for payment.

Accounts Receivable Factoring vs. Traditional Bank Line of Credit

  • Accounts Receivable Factoring focuses on the credit worthiness of your customers, not your company.
  • Unlike a typical bank loan, factoring clients are not subject to tightening credit availability due to credit cycles, economic volatility or market fluctuations.
  • Traditional bank loans have restrictive covenants on net worth, leverage, profitability, dividends and other restrictions, which inhibit sales growth.
  • Typical bank loans focus on the strength of the balance sheet, the profit and loss statement and cash flow of your company.
  • Factoring de-leverages your balance sheet.
  • Getting set up with United Capital is quick, free and with no long approval process.
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