Invoice Factoring, also known as Accounts Receivable Financing, is a way to get immediate cash by selling your invoices. Instead of waiting for clients to pay, AR Bill Service buys your invoices at a discount, providing you with working capital upfront. Unlike a bank loan, factoring isn’t a debt to be repaid; it’s simply the sale of your receivables for immediate cash.

Factoring offers several benefits for businesses:

• Get immediate cash, eliminating the wait for slow payment terms.

• Extend payment terms to clients while keeping your cash flow healthy.

• Our factoring service includes professional credit analysis on your clients at no cost.

• Enjoy a simplified qualification process compared to traditional loans.

• Increase your factoring limit as your sales grow, matching your business’ expansion.

• Perfect for cash flow needs with flexible agreements.

• Maintain full ownership of your business without giving up shares.

• Factoring fees are tax-deductible, potentially lowering your tax bill.

• Ideal for businesses of all sizes, no need for lengthy applications with bank loans.

Factoring and bank loans operate in distinct ways:

• Bank loans provide money based on your credit history and financial statements, creating a debt that you need to repay. On the other hand, factoring provides cash by purchasing your invoices at a discount, so you’re selling an asset rather than borrowing money.

• With a bank loan, you are obligated to repay the borrowed amount plus interest. Factoring doesn’t require repayment from you. Instead, repayment is made through the payment of your invoices by your clients.

• Banks assess your creditworthiness and financial health to approve a loan. Factoring focuses on your receivables and the creditworthiness of your clients, not your personal or business credit score.

In summary, while bank loans create debt that impacts your balance sheet, factoring offers a way to access immediate cash without adding debt, focusing instead on the value of your receivables.

Our financing rates start in as little as 0.99% per month. The rate depends on several factors, including:

• Invoice Volume: The amount of invoices you factor.

• Industry and Business Size: Specific needs and characteristics of your business.

• Client Creditworthiness: The reliability of your clients in paying their invoices.

With AR Bill Service, you get a customized rate that aligns with your unique business profile, ensuring you receive financing that best supports your growth.

Absolutely! You have complete control over which invoices and customers to factor. There’s no need to factor every invoice—just select the ones that fit your needs. Our factoring service is designed to grow with your business. As long as you have valid invoices, we are here to provide ongoing support, making factoring an ideal solution for businesses looking to expand.