{"id":71282,"date":"2025-06-24T19:01:07","date_gmt":"2025-06-24T19:01:07","guid":{"rendered":"https:\/\/sunbeamfinancialservices.com\/?page_id=71282"},"modified":"2025-06-26T23:10:50","modified_gmt":"2025-06-26T23:10:50","slug":"factoring","status":"publish","type":"page","link":"https:\/\/sunbeamfinancialservices.com\/?page_id=71282","title":{"rendered":"Factoring"},"content":{"rendered":"

[vc_row type=”container” padding_top=”” padding_bottom=””][vc_column width=”1\/2″ css=”.vc_custom_1444995131822{margin-bottom: 35px !important;}”][vc_column_text css=”.vc_custom_1750793657836{margin-bottom: 0px !important;}”]<\/p>\n

Factoring is a powerful financial tool that allows businesses to unlock immediate cash flow by leveraging their outstanding receivables. Instead of waiting 30, 60, or even 90 days to get paid by customers, a factoring facility converts those invoices into same-day liquidity.<\/p>\n

As a commercial finance brokerage, we help clients evaluate whether factoring aligns with their operational model and growth strategy. We present only to lenders who understand the client\u2019s industry and can provide transparent fee structures and scalable credit limits.<\/p>\n

[\/vc_column_text][\/vc_column][vc_column width=”1\/2″][vc_single_image image=”71394″ img_size=”full” add_caption=”yes” onclick=”link_image” css=””][\/vc_column][\/vc_row][vc_row type=”container” padding_top=”” padding_bottom=”” css=”.vc_custom_1444503978648{margin-bottom: 0px !important;padding-top: 10px !important;}”][vc_column][vc_separator color=”#e2e2e2″ type=”normal” thickness=”1″ up=”” down=”” el_class=”dotted”][\/vc_column][\/vc_row][vc_row type=”container” padding_top=”” padding_bottom=””][vc_column][vc_column_text css=””]<\/p>\n

How Factoring Works<\/b><\/h2>\n

Factoring is not debt. It is the sale of receivables to a funding source in exchange for immediate working capital.<\/p>\n

\u2022 Your client delivers goods or services as usual<\/p>\n

\u2022 You send the invoice to both the customer and the factoring company<\/p>\n

\u2022 The factoring company advances a portion of the invoice (typically 80\u201390%)<\/p>\n

\u2022 Once the customer pays, the remainder is released, minus the factoring fee<\/p>\n

This cycle repeats as new invoices are generated, creating consistent access to capital without incurring new liabilities.<\/p>\n

[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=”container” padding_top=”” padding_bottom=””][vc_column][vc_tta_tabs style=”flat” active_section=”1″][vc_tta_section title=”Ideal Use Cases” tab_id=”1444300654474-2bfb86dc-fd3a”][vc_column_text css=””]<\/p>\n

Factoring is best suited for:<\/p>\n

\u2022 Businesses with slow-paying but creditworthy customers<\/p>\n

\u2022 Rapidly growing companies needing capital to keep up with demand<\/p>\n

\u2022 Firms with limited access to traditional loans due to credit or time in business<\/p>\n

\u2022 Industries where receivables dominate the balance sheet (e.g., staffing, logistics, manufacturing, government contracting)<\/p>\n

We match clients to factoring partners that understand their industry terms, average invoice values, and customer payment behaviors.<\/p>\n

[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Factoring Types and Terms” tab_id=”1444300654691-e081e086-5ad3″][vc_column_text css=””]<\/p>\n

There are two primary types of factoring:<\/p>\n

\u2022 Recourse Factoring<\/b><\/span> \u2013 The client assumes risk if the customer fails to pay<\/p>\n

\u2022 Non-Recourse Factoring<\/b><\/span> \u2013 The factoring company assumes the credit risk<\/p>\n

We work with lenders offering both models and help borrowers understand pricing, reserve requirements, and customer notification policies. We also ensure the process remains seamless for clients\u2019 customers.<\/p>\n

[\/vc_column_text][\/vc_tta_section][vc_tta_section title=”Added Value from Our Process” tab_id=”1750787416124-801cc9d0-8d30″][vc_column_text css=””]<\/p>\n

Many businesses are unfamiliar or hesitant with factoring due to misinformation. Our consultative process clarifies:<\/p>\n

\u2022 How to avoid hidden fees and unfair contracts<\/p>\n

\u2022 What funding timelines and invoice minimums to expect<\/p>\n

\u2022 Whether full ledger or selective invoice factoring is best<\/p>\n

\u2022 How factoring affects customer relationships and bookkeeping<\/p>\n

Our goal is to demystify factoring, eliminate friction in setup, and ensure the client gains a working capital solution that grows with them.<\/p>\n

[\/vc_column_text][\/vc_tta_section][\/vc_tta_tabs][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

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