Turn accounts receivable into immediate working capital.

When you have a growth opportunity, you don’t have time to wait for customers to pay their invoices. Accounts receivable financing, or factoring, can accelerate your cash flow cycle. By selling your outstanding invoices or receivables to Global Merchant, you can generate cash almost immediately instead of waiting the usual 30, 60 or 90 days.

Factoring is a valuable financing solution for seasonal businesses, customers who want to improve working capital at month, quarter or year end or fast-growing companies which are under-capitalized but have creditworthy customers, or have sales concentration issues. Funding decisions are principally based on the creditworthiness of your customers so we can usually provide financing regardless of a client’s current financial position.

How it works:

The CLIENT sends the invoice to GLOBAL MERCHANT and the CUSTOMER.

GLOBAL MERCHANT advances immediate funds to the CLIENT.

When due, the CUSTOMER pays the invoice to GLOBAL MERCHANT.

GLOBAL MERCHANT pays the balance of the invoice to the CLIENT, minus any fees.

Advantages:

  • Simple approval and funding process

  • Line can grow with increasing revenues

  • Provide payment terms to customers with confidence

  • Smoother cash flow to aid in financial planning or managing growth

  • Take advantage of volume and early payment discounts from vendors

  • Eliminate bad debt risk and overhead costs associated with the collection process

  • No financial covenants

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