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Accounts Receivable Financing

We Offer Steady Cash Flow For Accelerating Businesses.

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How Does Accounts Receivable Financing Work?

Accounts receivable financing takes place when a company borrows against their outstanding invoices (their accounts receivables). This can occur by selling the invoices, known as factoring, or by using the receivables as collateral against a loan. In both cases, the AR financing company advances you a portion of the receivables, in the form of cash, even before your customer has paid their invoice.

It’s Time To Put Your Receivables To Work.

Commercial Funding offers a variety of accounts receivable financing options, including:

  • Invoice Factoring
  • Asset Based Loans (ABL)
  • Debtor-in-possession Financing (DIP)

Your CFI representative will walk you through your financing options to determine which of our solutions makes the most sense for your company and your financial situation.

 

Debtor Concentration for Invoice Factoring Newsletter

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AR Financing Has Never Been Easier

At Commercial Funding Inc., we’re committed to making the accounts receivable financing process as simple as possible. With just a couple of clicks you can turn your invoices and assets into quick cash.

Step 1

APPLY

Complete a no obligation application in minutes

Step 2

SEND INVOICES

Use our client portal 24/7 to send your invoices.

Step 3

GET PAID

Receive your money in as little as one day.

The Benefits of Accounts Receivable Financing.

Accounts receivable (AR) financing, including invoice factoring, has grown in popularity in recent years, and it’s no secret why: instead of waiting for long pay cycles to get paid on invoices, many businesses enjoy the advantages—and financial freedom—that come with receiving near-immediate cash payments. Benefits of accounts receivable financing include:

Working Capital:

This one is obvious, but it’s one of the most attractive aspects of AR financing. Instead of waiting 30-, 60- or 90-day pay cycles on your invoices, factoring has the potential to get cash in your hands in a much shorter timeframe.

Improved Credit Score:

In addition to the debt-free cash flow, there are potential benefits for your company’s credit score, too. With timely funding, you can stay on top of your payables.

Viable Alternative to Bank Loans:

Many businesses—especially startups and companies with no “standard” collateral—aren’t in a position to take out a loan. Other companies aren’t interested in making monthly loan payments. In both scenarios, AR financing is a great option.

Ease of Process:

The AR financing application process is fairly simple compared to a bank loan. And once you’ve been approved and set up, the ongoing funding process is simple. Your line can easily grow as fast as your company expands.

Reasonable Fees:

Receivables financing fees are substantially less expensive than typical MCA (Merchant Cash Advance) or other types of alternative and startup funding. Fees vary by industry, advance rate, invoice volume, and other considerations.

Less Stress:

When you’re confident that you can pay your bills and meet payroll on time—all without hurting your credit—it makes it that much easier to focus on the operational aspects of your business that can lead to sustained success.

Growth Opportunities:

Increased cash flow allows you the potential to grow and expand your business as soon as the opportunity arises. You don’t have to wait for a bank to approve a loan to make that quick purchase—because you already have the cash you need and we have enough history to help.

Funding Available to Startups and Higher Credit Risk Companies:

Because the factoring company looks to the strength of your debtors, as well as the strength of your company’s financial history, AR financing is perfect for startups, high growth businesses, or companies that experienced some financial strain.

Professional Cash Management Services:

When you work with an accounts receivable finance company like Commercial Funding Inc., you can basically “set it and forget it". We’ll take care of all the paperwork, processing, and collections—and you don’t have to lift a finger. We serve as an extension of your company so you can concentrate on the important aspects of growing your business.

Case Studies

Staffing Company Needed a Lender to Assist with High Debtor Concentration

A staffing company that had factored invoices for years found themselves with a client that had outgrown their factoring line. CFI was able to help.

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to talk with a representative or fill out our form to begin the application process