Accounts Receivable Factoring

Top 5 Accounts Receivable Factoring Questions Answered

It is not easy to make the perfect funding choice for your business. Getting financial assistance is one of the most important choices you make as a small business owner. It is essential to consider all the pros and cons and how it applies to your unique industry and financial situation. Here are the top 5 questions we get regarding Accounts Receivable Factoring: #5. How does AR Factoring Rates compare to MCA/ACH? A Merchant Cash Advance (MCA) or ACH loan much like Factoring is considered a short-term alternative financing option. While getting an MCA or ACH loan is often considered easier ... Read More


Non-Bankable Businesses Have Alternative Financing Services Available

Although bank lending has become somewhat easier over the past couple of years, it is still very difficult for many small businesses to obtain a bank loan. If a business cannot obtain a bank loan at a particular point in time, it is considered “non-bankable.” The reasons for being “non-bankable” can range widely. For example, the company may be relatively young, with little credit history. It may be experiencing financial difficulties, with a large debt burden relative to its earning capacity. Aside from that, it may be in a turnaround mode. Such company may also be in or close to ... Read More


10 Fascinating Textiles & Apparel Industry Facts

The textiles and apparel industry is a major player in the global marketplace worth several trillion dollars. With such large amounts of capital flowing through the textile and apparel industry, funding options such as non-recourse accounts receivable financing and purchase order funding are ideal.  Here are 10 fascinating facts about the industry: The global textile and apparel industry, which includes fabrics, clothing, footwear and many other manufactured goods, is currently worth nearly $3 trillion. The world childrenswear market is expected to reach beyond $266 billion in 2016, marking a 31 percent increase in five years. Global bridalwear is expected to be valued ... Read More


How Can Debtor-in-Possession Financing Help Turn a Company Around Following Bankruptcy?

For many distressed companies, there is hope for new financing. If your company is going through a chapter 11 bankruptcy; has filed for bankruptcy protection, you may be able to take advantage of DIP financing. Debtor-In-Possession Financing helps companies owners to reverse course and return to profitability. What is Debtor-in-Possession Financing? DIP Financing is available to companies where lenders believe the company has a credible chance to turn around from bankruptcy. The term “Debtor-in-Possession” refers to the fact that the current management and board of directors remain “in possession” of the company following its bankruptcy filing. Many small business owners are ... Read More


Factoring Importers – Canadian Goods

At Paragon Financial, we work with importers bringing in goods from Canada providing their businesses working capital to succeed.   Quickly and efficiently leveraging purchase order financing, cash against documents funding, accounts receivable financing and credit protection. Below are several interesting facts about Canadian goods being imported into the U.S: Canada ranks #2 behind China for the most imports into the U.S.   U.S. goods imports from Canada totaled $332.1 billion in 2013(the latest statistics available), a 2.5% increase ($8.1 billion) from 2012, and up 50% from 2003. In fact, U.S. imports from Canada are up 308% from 1993 (Pre NAFTA). ... Read More


Account Receivables Factoring for Machine Shops

Machine shops have come a long way since their Industrial Revolution beginnings. Today we are talking about precision automotive, aerospace, and heavy truck. Likewise, construction, medical and die/mold machining. All these shops that must meet the demands of today’s global manufacturing economy. From Columbus Ohio to Sacramento California, the industry employs over 78,000 people, 3,198 companies.  Such companies handle over 12.7 billion dollars in shipments.  For job shops and contract manufacturers, understanding the availability of working capital is essential to quickly adapt to today’s economic pressures. Factoring for Machine Shops Account receivables factoring give machine shops the ability to gain working capital ... Read More


Working Capital with IRS Liens without SBA Loans

In 1817, Benjamin Franklin famously wrote. “In this world, nothing can be said to be certain, except death and taxes.” Your epic battle has ended in defeat. Despite your efforts to avoid it, the IRS has won the day and now there is a tax lien attached to your credit report. How will this affect your ability to succeed going forward? Where can you turn for additional small business working capital? Banks would seem to be off limits as they notoriously look at credit scores to make their loan decisions. Your best option would appear to be alternative forms of ... Read More


Notification Invoice Factoring Can Help Strengthen Your Relationship with Your Customers

Is it good business to let your customers know that you are utilizing invoice factoring to extract the working capital from your accounts receivables and that they should pay the invoice to your factoring firm? We 100% believe it is. Some business owners are concerned about letting their customers know that they have factored their accounts receivables. These owners may feel that “If my customers find out that I’m factoring my receivables, they might think that my company is having financial problems.” In our experience, this turns out not to be the case. First, customers with strong accounts payable departments ... Read More


Financing for Big-Box Retailer Suppliers

How many entrepreneurs watch Shark Tank and wish they could go from rags to riches overnight?  The sharks dangle their deep pockets and connections with the “Big Box” retailers as the prize everyone wants to attain.  Clearly, a partnership with a “shark” provides the dream contacts and funding every entrepreneur longs for.  Yet, the vast majority of small business owners grow by their own devices.  Contacts with the giants, such as Walmart, Target, Sears, Costco. Kohl’s, Staples, Office Depot. Toys “R” Us and Michael’s  are more often established by persistently marketing products or lines of products to corporate buyers.  Assuming ... Read More


Meeting Payroll for the Security Guard Staffing Industry

The Security Guard Staffing industry as a whole is responding to changing times in our country. Many guards are expected to perform a wider variety of duties in addition to their primary function of safety. There is a greater demand for specialized services, both in monitoring the remote systems and understanding specific needs for different industries, such as public schools, energy, and chemical to government security. Training and skills levels have improved due to the influx of former law enforcement officers who have been displaced by dwindling public funding. Staffing agencies providing the guards face their own business challenges. Agencies ... Read More

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