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Tabel
Alternative Finance Options for Business Owners
| Factoring | With factoring, a supplier sells their invoice to a factoring company in exchange for early, discounted payment. Once they sell the invoice, the supplier typically receives around 80 percent of the agreed-upon discount up front. When the debtor pays the invoice, the factoring company will pay the supplier the remaining 20 percent of the money they’re owed minus transaction fees. |
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| Asset-Based Lending | A supplier obtains a secured loan using all of their assets (e.g., property, equipment) as collateral. Of course, the risks here can be sizable in the event of default and it typically only advances 65-80 percent of the value of the assets. |
| Peer-to-peer Lending | Often called P2P lending, these services allow businesses to borrow and lend money without a financial institution. These are typically unsecured loans and the amount is usually less than $50,000. |
| Accounts Receivable Financing | Accounts receivable financing has a lot of similarities to a bank loan. With A/R financing, you as the business owner put up your accounts receivable up as collateral in order to receive the loan. This type of financing is typically less expensive than factoring, however, the issuer often requires a high minimum amount of monthly sales to qualify for the loan. |
| Receivables Financing | With receivable financing, the supplier sells their invoices in exchange for cash. In this, payment to the supplier is based on the credit rating of the customer. So there are no cumbersome review processes for suppliers and fees are limited. Payment can be in hand typically within 72 hours. |
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