Factoring is the process of purchasing credit-worthy accounts receivable at a discount. Factoring can provide immediate cash flow to a growing business at an affordable cost. Through factoring, you no longer have to wait for the check in the mail. Cash is available to your business immediately. If you need more working capital to help your business grow, factoring is the solution for you.

Benefits of Factoring
invoice factoring
Account receivable factoring
Most businesses struggle to maintain a steady cash flow. Factoring allows for a steady and predictable source of cash. Also, many businesses face the fact that most of their cash is tied up in accounts receivable. SDCF can make that cash available to your business immediately.

SDCF can also work with businesses that are "Non-Bankable." Banks typically require 2 years of financial statements in order to qualify a business for a loan. Factoring is concerned more with the credit worthiness of the receivable than the credit standing of our client.

Factoring with SDCF can also offer your company the following benefits:

• 24 hour funding on approved invoices
• Highest advance rates in the factoring company industry
• Credit analysis on new and existing customers
• Continuous collection management and follow up on factored invoices
• Invoice and statement mailing (postage included)
• Account status inquiries anytime; 24/7 online account access.

Is Factoring For You?

The key to knowing if factoring is for you is to not
to look only at the bottom-line factoring fee, but also to
consider how your company may increase it's profits through factoring.

Here is additional information on factoring
to help you with your decision.

How are fees and advance rates determined?
It is based on several factors:
The creditworthiness of your clients
Your monthly billing volume
Average invoice size
Average days to payment
Fees can range from 2-5 % of the invoice's face value.
For example if the invoice's value is $1,000;
a fee of 3% equals $30.

What is an advance?
The amount of money you receive immediately when we
buy your invoice. The balance is returned to you when
your customer pays the invoice.
Advances range from 60-95% of the invoice's face value.
For example if the invoice's value is $1,000 an advance
rate of 80% equals $800. The balance of $200 less the
factoring fee is returned to you when your customer pays the invoice.

Comparing Bank Lending Rates to Factoring?
When compared to bank lending rates, factoring
initially appears to be very expensive. Here are five typical
questions/concerns that are raised by potential factoring clients

1. Wow! 3 points per month! That's 36 percent year!
   It is tempting to annualize the numbers, but that is an "apples and oranges" comparison.Banks loan money at an annualized interest rate, 12 percent per year for example. We purchase your receivables at a discount. The products are different and there are other inconsistencies to this inappropriate comparison
   
   The bank provides the money only one time, the day that you receive the loan; we provide money continuously. As an example, consider a bank loan for $100,000 at 12 percent. You receive the $100,000 just one time and then pay $1,000 interest per month interest and you still owe the $100,000. Or the bank could provide you with a line of credit that you use only when you need the money but the bank is charging you for that privilege and if you need to increase your line you need to go through the qualifying process all over again.
   
   When you factor $100,000 each month for a year you have the use of $1.2 million (12 x $100,000) over the year. Unlike a bank loan where you have just $100,000 one time. Assuming a 3 point discount, the fees over the year will be 12 x $3,000 or $36,000, which is still 3 percent of $1.2 million. And at the end of the year you have no debt!
   
   
2. I'm only making 3% profit, how can I pay you 3 points?
   A company making only 3% net profit can do more business volume as a result of factoring, and the larger volume will result in a higher profit margin because fixed costs do not increase with volume. The added business at a higher marginal profit leads to an increased overall profit margin. As the volume increases, the cost of production decreases, so that profits increase. Fixed costs i.e., rent, electric, insurance, etc., increase very little or not at all with volume. An increase in business will not affect rent. Electric bills may rise slightly. Workers compensation insurance may rise slightly. These costs do not increase as do direct production costs.
   
   Let's graphically do the math assuming you can double your sales
   Without Factoring
   

   Monthly Gross Sales	$50,000
   Cost of Goods Sold	$30,000	60% of Gross Sales
   Monthly Gross Profit	$20,000	40% of Gross Sales
   Fixed Expenses	$10,000
   Variable Expenses	$8,500	17% of Gross sales
   Factoring Fee	N/A
   Total Expenses	$18,500	37% of Gross Sales
   Monthly Net Profit	$1,500	3% of Gross Sales

   
   With Factoring
   

   Monthly Gross Sales	$100,000
   Cost of Goods Sold	$60,000	60% of Gross Sales
   Monthly Gross Profit	$40,000	40% of Gross Sales
   Fixed Expenses	$10,000
   Variable Expenses	$17,000	17% of Gross Sales
   Factoring Fee	$3,000	3% Fee
   Total Expenses	$30,000	30% of Gross Sales
   Monthly Net Profit	$10,000	10% of Gross Sales

   
   
3. But I only get 80% of my money upfront!
   Let's assume an advance rate of 80%. Let's also assume that you begin factoring in January. You have factored $100,000, we pay you $80,000 of that money upfront, with the remaining money making up the fee (3%) of $3,000 and the reserve (17%) of $17,000.
   Now in February, you once again factor $100,000 and receive $80,000. However. you also receive your January reserve of $17,000(assuming your customer pay in 30 days). So for February, you actually receive 97% of your money, instead of 80%.
   In the second month and going forward you are basically receiving 97% of your cash flow.
   
   
4. But what if my customers take longer than 30 days to pay?
   You have several options, Assume your client takes 60 days to pay you bill your client in the normal fashion and simply allow 30 days to go by prior to factoring that invoice. That way you pay the 30 day fee.
   Another way is to factor your faster customers first for the cash you need.
   
   
   

More companies thae we provide factoring for:
Staffing invoice factoring company

Building Products Distributor invoice factoring company

Building Products Waterproofing Distributor invoice factoring company

Farmer invoice factoring company

Manufacturing invoice factoring company

Maintenance Service specializing in lighting invoice factoring company

Bean Marketing invoice factoring company

Machine Knives invoice factoring company

Custom Auto Body for Emergency and invoice factoring company

Municipality Vehicles invoice factoring company

Emergency and Municipality Vehicles invoice factoring company

Parts and Installations invoice factoring company

Metalized coating invoice factoring company

Auto Parts invoice factoring company

Powder Coating invoice factoring company

Utility Construction invoice factoring company

Commercial Diving /Ship repair by divers invoice factoring company

Machine Shop invoice factoring company

Tutoring invoice factoring company

Trucking invoice factoring company

Trucking - Refrigerated Freight invoice factoring company

Trucking - Dry Freight invoice factoring company

Trucking - Over the Road invoice factoring company

Security Services invoice factoring company

Commercial & Industrial Refrigeration invoice factoring company

Repair & Maintenance invoice factoring company

Freight Forwarding invoice factoring company

Freight Expediting invoice factoring company

Metal Distributor invoice factoring company

Consulting invoice factoring company

Software Development invoice factoring company

Commercial Paving Services invoice factoring company

Prototyping/Production invoice factoring company

Gaming Manufacturer invoice factoring company

Mobile Car Wash invoice factoring company

Mobile Dent Repair invoice factoring company

Training & Education for Medical Equipment invoice factoring company

Commercial Landscape, Irrigation and Lighting Services invoice factoring company

Jewelry sales/design invoice factoring company

Import Tabletop Manufacturing (dinnerware) invoice factoring company

Transport & Logistics invoice factoring company

Rebuild Industrial Vacuum Pumps invoice factoring company

Freight Brokerage invoice factoring company

Precision Sheet Metal Fabricator invoice factoring company

Custom Art Sales invoice factoring company

Custom Embroidery & Silk Screen Printing invoice factoring company

Medical Case Management invoice factoring company

Direct Importing of Baseball Caps invoice factoring company

Hospitality Staffing invoice factoring company

Distributor of Building Products invoice factoring company

Healthcare Staffing invoice factoring company

Nursing Agency invoice factoring company

Medical Staffing invoice factoring company

Legal Staffing invoice factoring company

IT Staffing invoice factoring company

oil refinery inspection services invoice factoring company

local delivery service invoice factoring company

transportation company invoice factoring company

transportation company (hauls cars for dealerships) (auto transport) invoice factoring company

telecommunication tower constructions & maintenance invoice factoring company

hydraulic service, repairs & maintenance company invoice factoring company

Construction account- Patch work, painting and landscaping invoice factoring company

Commercial Laundry Systems Installer invoice factoring company

Language Translation Services invoice factoring company

Airline Maintenance invoice factoring company

Trucking / Container Freight invoice factoring company

Pharmaceutical Market Research invoice factoring company

Staffing invoice factoring company

Building Products Distributor invoice factoring company

Building Products Waterproofing Distributor invoice factoring company

Farmer invoice factoring company

Manufacturing invoice factoring company

Maintenance Service specializing in lighting invoice factoring company

Bean Marketing invoice factoring company

Machine Knives invoice factoring company

Nurse Staffing invoice factoring company

Cable Sales and Installation invoice factoring company

Cable Sales and Marketing invoice factoring company

Cable Collections invoice factoring company

Cable Construction invoice factoring company

Aviation Parts Broker invoice factoring company

Steel Base Manufacturing invoice factoring company

Hydraulic Equipment Repair invoice factoring company

Cellular Tower Maintenance invoice factoring company

Software Services invoice factoring company

Security and Private Investigator Services invoice factoring company

General Maintenance Services invoice factoring company

Pharmaceutical Market Research receivables factoring

Staffing receivables factoring

Building Products Distributor receivables factoring

Building Products Waterproofing Distributor receivables factoring

Farmer receivables factoring

Manufacturing receivables factoring

Maintenance Service specializing in lighting receivables factoring

Bean Marketing receivables factoring

Machine Knives receivables factoring

Nurse Staffing receivables factoring

Cable Sales and Installation receivables factoring

Cable Sales and Marketing receivables factoring

Cable Collections receivables factoring

Cable Construction receivables factoring

Aviation Parts Broker receivables factoring

Steel Base Manufacturing receivables factoring company

Hydraulic Equipment Repair receivables factoring

Cellular Tower Maintenance receivables factoring

Software Services receivables factoring company

Security and Private Investigator Services receivables factoring

General Maintenance Services receivables factoring

Machine Shop receivables factoring

Delivery / Courier Services receivables factoring

Technical Staffing receivables factoring

Underground Utilities receivables factoring

Drug Testing receivables factoring

Software & IT Services receivables factoring

Commercial Cleaning and Services receivables factoring

Travel Nurse Staffing receivables factoring

Camouflage Apparel receivables factoring

Retail Fixture Installation receivables factoring company

2 way radio, communications provider/service receivables factoring company

IT Consulting receivables factoring company

Fitness Equipment Manufacturer receivables factoring company

Security Staffing receivables factoring company

Purchase names for mass mailers and sold to Universities (Broker of Mass receivables factoring company

Mailing Lists) receivables factoring company

Financial Recruiter receivables factoring company

Commercial Landscape Maintenance receivables factoring company

Nurse Staffing to Prisons receivables factoring company

Printed Materials, Forms - Papers receivables factoring

Computer/Project Consultants receivables factoring

Janitorial Services receivables factoring

Medical Transcription Services receivables factoring

cable tv construction (low voltage wiring) receivables factoring company

metal distributors receivables factoring

drayage trucking company receivables factoring company

trucking company: intermodal container freight receivables factoring

consultants and specialized transportation receivables factoring company

hanger manufacture and recycling receivables factoring

Pallet Manufacturing & Recycling receivables factoring

Food Industry receivables factoring

Temporary Employment  receivables factoring

Quick Continuous Cash Yes!
And You Also Get Our
Credit Risk Expertise
at No Additional Fee

Accurately assessing credit risk is really the essential
part of our factoring business. Few, if any, business clients
can perform this function as objectively as we will.

For no additional fee, we act as your credit
department for new and existing customers.
This provides you with a huge advantage over
in-house performance of these functions.

Consider the scenario where a salesperson has
a new account with a potential for large purchases.
The salesperson wants the business-so much so that
he or she may overlook red flags associated with credit
difficulties. The salesperson may even walk the
account through your own internal credit checking
procedures, in order to side step established controls.
While this may get you the sale, it won't get the money,
and with no money, there is no sale.

This will not happen with us. We make credit decisions
with full knowledge of the new customer's credit situation.
We will not buy the invoices of a poorly-rated customer
and risk nonpayment. But don't look upon our participation
as a tightening of credit to the extent that your business
will be affected in a way that is beyond your control.
If you have a new customer with questionable
creditworthiness, the decision to do business
with that person is still yours.
(However, we will reserve the right to say "I told you so!")

We may not buy those invoices, but you are still free
to extend credit terms as you see fit.
You remain in control
Whatever decisions are made, you can be assured that,
because of the factor's participation,you will be making
decisions and extending credit based on more complete,
objective and higher quality information than you have in the past.

We will fully research new clients and, equally important,
we will routinely check the credit ratings of your existing customers.
This contrasts greatly with most businesses,
where routine credit updates are seldom run on the
established customer base. This is  potentially a huge mistake.
When a business does opt to do a credit check,
it is usually too late and the problem is already out of hand.
On the other hand, we will inform you immediately
if there is a change in the credit status of
one of your existing customers.

In addition to the specific customer credit
information that we provide, you will have the
benefits of comprehensive, detailed reports on your
accounts receivables as a whole. As a part of the process
you will receive accounting, transactional details,
aging reports and financial management reports
that allow you to incorporate this data into
your own sales tracking, account history and in-depth analysis

Types of Companies We Work With.


Business Services Companies
Trucking and Transportation Companies
Government Contractors Suppliers
Security Companies Guard Agencies
Staffing Temporary Employment Agencies
Partial List Of Industries That We Provide Factoring
Invoice Factoring Staffing company
Financing credit for staffing service companies.
Factoring Building Products Distributor company
Financing invoices for clients in the Building Products Distributor industry
Factoring Manufacturing company
Financing invoices for manufacturing 
companies
Invoice Factoring Maintenance Service company
Financing credit for maintenance service companies.
Factoring Service Providers company
Financing invoices for small and medium sized service companies
such as commercial suppliers, technology consultants
and janitorial companies,etc.
Factoring Metalized coating company
Financing credit for metalized coating service companies.
Invoice Factoring Auto Parts company
Financing invoices for auto parts 
companies
Factoring Powder Coating company
Financing invoices for companies that provide services and products
to Powder Coating clients
Factoring Cable Contractors company
Financing invoices for cable contractors 
companies
Factoring Utility Construction company
Financing invoices for utilty construction 
companies
Invoice Factoring Machine Shop company
Financing invoices for machine shop 
companies
Factoring Oil and Gas Industry company
Financing invoices for companies that provide services and products
to Oil and Gas Companies
Factoring Trucking company
Financing invoices for trucking companies,
freight brokers and commercial transportation companies
Invoice Factoring Freight Forwarding company
Financing invoices for freight forwarding
companies
Factoring Healthcare Staffing company
Financing invoices for staffing 
companies
Factoring Government Contracts company
Financing invoices for companies that provide services and products
to state and federal government agencies
Invoice Factoring Distributors company
Financing invoices for distributor
companies
Factoring Freight & Trucking company
Financing credit for freight and trucking service companies.
Invoice Factoring Manufacturers company
Financing invoices for companies that provide services and products
to Maunfacturing clients
Financing Medical Practitioners company
Financing credit for medical practitoner firms
Factoring Security Guards company
Financing invoices for companies that provide security guards
to commercial, industrial and government sites
Invoice Factoring Temp Staffing Agencies
Financing invoices for staffing and temporary employment
in the business and medical services field
And Many More


We are currently providing account receivable factoring services nationwide including the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho State, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.
Alabama invoice factoring

Alaska invoice factoring

Arizona invoice factoring

Arkansas invoice factoring

California invoice factoring

Colorado invoice factoring

Connecticut invoice factoring

Delaware invoice factoring

Florida invoice factoring

Georgia invoice factoring

Hawaii invoice factoring

Idaho invoice factoring

Illinois invoice factoring

Indiana invoice factoring

Iowa invoice factoring

Kansas invoice factoring

Kentucky invoice factoring

Louisiana invoice factoring

Maine invoice factoring

Maryland invoice factoring

Massachusetts invoice factoring

Michigan invoice factoring

Minnesota invoice factoring

Mississippi invoice factoring

Missouri invoice factoring

Montana invoice factoring

Nebraska invoice factoring

Nevada invoice factoring

New Hampshire invoice factoring

New Jersey invoice factoring

New Mexico invoice factoring

New York invoice factoring

North Carolina invoice factoring

North Dakota invoice factoring

Ohio invoice factoring

Oklahoma invoice factoring

Oregon invoice factoring

Pennsylvania invoice factoring

Rhode Island invoice factoring

South Carolina invoice factoring

South Dakota invoice factoring

Tennessee invoice factoring

Texas invoice factoring

Utah invoice factoring

Vermont invoice factoring

Virginia invoice factoring

Washington invoice factoring

Washington, DC invoice factoring

West Virginia invoice factoring

Wisconsin invoice factoring

Factoring is a word often misused synonymously with accounts receivable financing. Factoring is a financial transaction whereby a business sells its accounts receivable (i.e., invoices) at a discount. Factoring differs from a bank loan in three main ways. First, the emphasis is on the value of the receivables, not the firm’s credit worthiness. Secondly, factoring is not a loan – it is the purchase of an asset (the receivable). Finally, a bank loan involves two parties whereas factoring involves three.

The three parties directly involved are: the seller, debtor, and the factor. The seller is owed money (usually for work performed or goods sold) by the second party, the debtor. The seller then sells one or more of its invoices at a discount to the third party, the specialized financial organization (aka the factor) to obtain cash. The debtor then directly pays the factor the full value of the invoice.


GET YOUR CASH TODAY
Call our factoring specialists at
1-866-713-6153