Insights

  • Simple Ways to Improve Your Cash Flow July 30th, 2015 4:30 pm

    In today’s world, your company’s cash flow says a lot about the future of your business. Many financial analysts consider your cash flow condition as the top indicator of the future of your business. A well-managed cash flow typically signifies that the rest of the business is healthy.

    Think of your cash flow as the heart of your business. As long as it is well-managed and taken care of, your business will continue to thrive in every aspect. A mismanaged cash flow, or weak heart, can affect the entire business until your company suffers serious setbacks.

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    Just throwing money at your cash flow problems is a temporary solution. While heart disease can be treated with medication, it takes an entire change in your lifestyle to truly repair your heart, or cash flow, for the future. Treating your cash flow problems requires a holistic approach that reaches every limb of your business. Continue reading →

  • Finding the Right Experts to Solve Low Cash Flow Issues July 28th, 2015 3:58 pm

    Seeking guidance from experts is  sound business practice, and having the good judgment to use outside resources is part of the success of many companies. There are times when it is appropriate to consider several different opinions or create a diverse team in order to arrive at the best strategy for your business. Your company has probably sought input from a variety of specialists for contracts, marketing, real estate and logistics planning. However, you may have not taken advantage of the guidance available to your business when it comes to finding capital solutions.

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    Continue reading →

  • Invoice Factoring Can Produce Money the Fastest for Businesses in a Bind July 24th, 2015 6:39 pm

    If you’re a business owner or manager, you know that there are a slew of reasons why you may need an infusion of cash.  You might:

    • Get a big order for which you need to purchase materials. Or…
    • You have a large unexpected bill. Or
    • The IRS is hounding your business for taxes. Or
    • Right now would be a great time to expand your business

    All of these situations present their own unique need for more cash.

    small_business-cash Continue reading →

  • Variables That Affect Accounts Receivable Factoring Rates July 20th, 2015 10:21 pm

    Accounts receivable financing allows your business to collect cash for your open invoices that are not yet due for customer payment. Your company sells open receivables to a factoring company and the factoring company collects payment from your customers once the net terms for the invoices hit their due date. The rate the factoring company applies to your invoices is determined by several variables. Here is a look at how accounts receivable factoring and advance rates are determined.

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    Variables That Determine Your Rates

    Universal Funding will examine your portfolio to assess risk, but this is not the only measure that determines the rates that apply to your invoice sale. Several variables help our factoring company make that decision: Continue reading →

  • Top 10 Rules to Managing Your Cash Flow June 26th, 2015 4:35 pm

    Your business budget runs a lot like your personal budget. You must keep track of how much cash you have on hand at all times, or you’ll run into unpaid bills and unhappy employees quickly. Cash flow shortages aren’t always the sign of problems, rather, they may be the sign that your business is growing faster than you anticipated.

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    Listen to the Experts

    In order to avoid these problems, experts recommend you follow the ten rules of managing your cash flow. Continue reading →

  • Lowering Transition Costs through PO Funding and Factoring June 25th, 2015 9:06 pm

    Despite the rise in recent years of both factoring and purchase order financing solutions, many companies remain confused about exactly what sort of benefit each service provides. Others often think that both are mutually exclusive. The reality is that line of thinking couldn’t be further from the truth. In fact, both factoring and PO funding are meant to work hand-in-hand to help distributors achieve that “Holy Grail” of service benefits: lower transition costs, increased inventory, and higher sales.

    business-growth Continue reading →

  • Take On New Business With Funding from Financing Receivables June 24th, 2015 6:25 pm

    A new client means your business will have a new source of revenue, but you first must find the funding to cover raw materials or employee wages to fulfill your new order for goods or services. The old saying, “It takes money to make money,” definitely applies to this particular situation. Instead of putting off necessary payments or delaying your new client’s order, your business can access funding through accounts receivable financing. Financing receivables gets you the cash you need to fulfill your new order, and the turnaround time for approval and funding is fast enough that you can accept the new client right away.

    factoring account receivables Continue reading →

  • What Benefits do Factor Companies Offer to Businesses? June 23rd, 2015 4:40 pm

    In today’s world, the state of your cash flow says a lot about the future of your business. Analysts typically look at cash flow problems as a sign that there is a larger problem within the business. Cash flow issues are normal for growing businesses, and it’s all about how you handle those problems that makes the difference between you and your competition.

    Factor companies like Universal Funding offer a unique solution to your cash flow issues. With invoice factoring, you sell your invoices in order to access cash that is rightfully yours without taking out a loan.

    cash flow scrabble Continue reading →

  • Funding Solutions for Businesses With Tax Issues June 22nd, 2015 4:32 pm

    Dealing with the IRS or a local tax agency can take up valuable time and resources at your business. Your business still needs to grow while you reconcile your issues. Your revenue and employees depend on the continued health of your company. However, if you need capital to cover operating costs or the upfront costs of a new client, many lending institutions will not work with you while you experience tax problems. While you reconcile your tax issues, you should consider invoice factoring as a source of funding for your business.

    factoring invoices Continue reading →

  • Be Ready for Opportunities With the Help of Factoring June 19th, 2015 4:42 pm

    Invoice factoring companies offer your business a way to access cash for your open invoices before your customer payments are due. This can make a significant difference in your cash flow levels if your invoices are scheduled for 60 or 90 days. Factoring your open invoices allows you to accept several business opportunities you might have to delay without a way to access capital quickly.

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    Win a Bidding War

    Your company needs to offer excellent services or products in order to stay ahead of your competition. Winning a bidding war against a competitor for a new business opportunity is only possible if you are able to promise quick delivery and a deal on pricing or an introductory price. Continue reading →

  • Factoring Invoices for Companies Concerned About Using Receivables as Collateral June 18th, 2015 6:31 pm

    Your business may be aware of the benefits of accounts receivable financing, but has not explored the possibility since you are apprehensive about using your receivables as collateral. Financing your receivables is actually an easy and quick way to raise cash for your company, since you are simply selling your open invoices for a discount to an invoice factoring company. You receive cash in hand before your customer payments are due, and the factoring company waits out the terms for payment from your customers. Factors can work with you even if you have concerns about your company’s ability to provide collateral. The only collateral you need is invoices.

    invoices-receivables Continue reading →

  • Funding for Your Business Without Debt June 17th, 2015 5:49 pm

    There are many reasons your company may need to find a source of immediate funding, but there are not many options for you to explore. Your choices are further narrowed if you do not want your business to incur debt. Many traditional funding avenues require your company to take on debt, affecting your credit as well as your budget for repayments. However, invoice factoring is an excellent funding alternative to the traditional loan structure that gets you operating money swiftly and does not require your business to take on debt.

    debt factoring Continue reading →

  • Raise Cash Even if Your Business Does Not Qualify for a Bank Loan June 16th, 2015 8:22 pm

    When your business is experiencing low cash flow, waiting 30, 60 or 90 days for customer payments to arrive can be detrimental to your business. Some companies decide to risk their relationships with vendors or delay procurement of new materials since they do not have bankable characteristics that would qualify them for a business loan. Factoring receivables allows businesses to access cash for open invoices before payment is due, and your business can qualify for funding through factoring even if you are not qualified for a loan.

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    Funding for All Types of Companies

    Factoring is a quick and simple way to access capital for companies of all sizes and in all stages. Even businesses in special situations can work with a factoring company to raise cash: Continue reading →

  • Using Invoice Factoring to Fund Your Expansion Plans June 15th, 2015 5:17 pm

    Accounts receivable financing can help your business access value from your open invoices before they are due. Instead of waiting 30, 60 or 90 days for customer payments, a factoring company can offer you an advance based on the company’s method to determine factoring and advance rates. Your business can use these upfront payments as investments to expand your business and jump start growth.

    expansion Continue reading →

  • The Benefits of Working with an Accounts Receivable Factor June 12th, 2015 5:17 pm

    If you are a business owner in need of boosting cash flow, you should consider the benefits of accounts receivable factoring. You likely are aware of the effort involved in acquiring resources to meet cash flow shortages. There may come a time when traditional business financing, including lines of credit and loans from a bank, are limited or not within reach. At times like that you can turn to accounts receiving factoring.

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    Factor Financing

    Factoring is one of the oldest forms of commercial finance. It is the process of selling outstanding invoices at a discount to a specialized factor company that will assume the risk on the receivables in return for a quick influx of cash into your business. Continue reading →