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How to Qualify for Working Capital Factoring

Capital factoring is the process of having invoices or accounts receivable “purchased” by a capital factor business. While working capital factoring is easier to obtain than a bank loan or line of credit, the application process does require a business to present financial information and customer account documentation.

A capital factor business will look at your business history, but will be more concerned with the financial credibility of your customers. You will need to present customer invoices, payment histories, and possibly even credit references for customers whose invoices you hope to have assigned. Remember, a capital factoring company bears all of the risk in a factoring transaction. After they have advanced payment to your business, they are dependent on your customer for reimbursement. The more information you can provide to a capital factor, the better.