Products
Invoice factoring
Definition
Invoice factoring is the sale of unpaid invoices to a third party at a discount, which then collects payment directly from your customer.
Factoring converts a receivable into cash immediately, minus a discount. The important distinction from a bridge facility is that the factor typically collects from your customer directly, which means your customer becomes aware of the arrangement.
If you already factor, disclose it when applying for other capital — factored deposits read differently from direct settlements, and an undisclosed arrangement is a common reason a file stalls.
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