Marc Marin | Gateway Commercial Finance

How Factoring Companies Assess Customer Creditworthiness (15 Examples)

This in-depth guide explains how factoring companies evaluate the creditworthiness of your customers—an essential step in determining your eligibility for invoice factoring, as well as the terms you’ll receive. It outlines the tools factors use, such as credit reporting agencies and credit insurance providers, and details how elements like customer concentration, industry risk, and payment history influence decisions. It features 15 real-world examples to illustrate how various scenarios impact funding outcomes and offers actionable tips for businesses seeking better factoring terms.

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DIP Financing – Getting Business Financing During Bankruptcy

This article outlines the benefits of obtaining Debtor-in-Possession (DIP) financing for Chapter 11 bankruptcies, detailing the types of lenders and financing options available, including term loans, revolving credit lines, and invoice factoring. It emphasizes the collaborative approach between Gateway Commercial Finance and bankruptcy attorneys to facilitate pre-petition, post-petition, and exit financing, crucial for successful business reorganization and recovery.

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When to Use Invoice Discounting Factoring

Invoice factoring, particularly invoice discounting, offers accessible funding for a wide range of businesses, including startups, companies with operating losses, and those in rapid growth or bankruptcy. It provides a flexible financing solution that grows with the business, offers credit protection, comprehensive reporting, and peace of mind regarding cash flow stability.

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Invoice Factoring: An Appealing Alternative to Loans and Lines of Credit

Invoice factoring offers businesses a flexible solution for raising capital by leveraging their accounts receivable without adding debt or diluting equity. By selling their receivables to a third-party factor, companies can quickly access funds to meet financial obligations and fuel growth, ensuring financial flexibility and control.

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