CAPITAL  AND  MORE  GROUP  INC.
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Accounts Receivable Factoring

Accounts Receivable Factoring is very simply selling your invoices to a funding source usually known as a Factor for a small discount.

Our lenders can facilitate factoring facilities for almost any Commercial Receivables from $250,000.00 up to $50,000,000.00 plus. We will consider factoring facilities under $250,000.00.

Commercial Receivables originate from the sale of goods and/ or services by a business to another business or a government entity.

One major advantage that we offer borrowers is that the vast majority of our private and non bank lenders are direct portfolio lenders. This means that they originate loans directly with their own funds or with discretionary funds committed to them by investors. They then hold the loans in their portfolio or on their balance sheet until maturity. They do not securitize the loans and sell them  in the secondary market. This provides for maximum flexibility in customized deal structuring that is impossible with conventional lenders whose loans have to fit within a predefined box that will allow for their subsequent securitization and sale in the secondary market. We also have several direct portfolio lenders that can accommodate loans in excess of $50,000,000.00 without the need to syndicate.

How Factoring Works

Your company bills its customers in the usual way along with sending a copy of the invoice to a factoring company (known as a factor). Once the invoice is verified, the factor will advance your company 70% up to 85% plus of the face value of the invoice and assume the right to receive payment from your customers. Once the factor receives full payment on the invoice, they will release the reserved funds to your company minus a nominal fee for advancing the funds.

It usually takes 2 to 3 weeks to set up a new factoring account with a factoring company. Once set up, funds can be advanced on your submitted invoices within 24 - 48 hours by wire transfer to your bank.

Advantages of Factoring

1.
Factoring is based on the strength of your customers rather than on your personal and business financial's. You can literally use your customers' good credit rating to get financing.
2.
When you factor, you do not incur a new debt. Factoring is not a loan, it is a discounted purchase of your invoices.
3.
Dependable and improved cash flow that improves your credit rating and boosts your financial statements.
4.
You can take advantage of cash discounts for early payment and volume purchases from your vendors.
5.
You can offer better credit terms to your customers.
6.
Lost business to better financed competitors is avoided.
7.
Factoring is the only type of financing that grows with your sales. The larger your invoices get so will your funding.
8.
Makes cash available for survival of lean times e.g. seasonal crunches or to fund payroll.
Capital and More Group Inc. can help secure Commercial Factoring facilities for the following businesses:

Manufacturers
Wholesalers
Distributors
Janitorial & Cleaning Services
Equipment Suppliers
Messenger Services
Electronics
High Tech & Computer Related Companies
Communications
Moving & Storage Companies
Temporary Nursing Services
Food Wholesalers & Distributors
Temporary Employment Agencies
Shipping, Freight & Transportation
Defense Contractors
Publishers
Service Businesses
Graphics & Printing
Security Services
Toys & Sporting Goods Companies
Environmental Related Companies
Garment ( Apparel & Textile Industries )

This is only a partial list to give you an idea of the wide range of industries that we can service. Generally any small to medium sized business supplying goods and / or services to credit worthy companies or government agencies falls within our criteria.



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