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Factoring
Factoring is financing for companies that have too much cash tied up in their commercial accounts receivable. By factoring, your company can immediately receive cash for accounts receivable instead of waiting 30 to 60 days or more, for your customers to pay.

Instead of having your receivables tied up in the billing cycle, factoring allows your company to use that capital to grow, buy inventory, make payroll, take advantage of trade discounts…or anything else that demands your financial resources. Factoring is a simple and fast solution to a company’s cash flow needs.

When factoring your accounts receivable, your company incurs no debt. It merely exchanges one asset (accounts receivable) for another asset (cash). With factoring, there is no interest to pay or principal to repay.

While the history of factoring can be traced back over 4,000 years, factoring became common in the United States at the beginning of the twentieth century in the garment and textile industries. As industry in the United States has progressed, first with the industrial revolution and more recently with the growth of service-based industries, factoring has evolved to keep in step.

Over the last 30 years, factoring has found its way into virtually every industry, largely because of the ease and flexibility which factoring has to offer. Today factoring is a worldwide, multi-billion dollar business.

Our factoring program offers many benefits to companies in a variety of industries. We offer high advances (up to 90% of the invoices that you are factoring), low rates, on-line reporting, credit and collection services to name a few. We have been factoring invoices nationwide for over 20 years and pride ourselves on the quality of relationships we develop with the companies who use our factoring services.

Please contact us to discuss whether factoring is right for your company. We have no application fees and are happy to answer your questions and give you a preliminary quote. Working Capital Company has helped hundreds of companies over the last twenty years with their cash flow by factoring their accounts receivable. We look forward to helping you and your company as well.
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Working Capital Factoring  
985 Moraga Road, Suite#210 | P.O. Box 7007 | Lafayette, CA 94549 | Phone 925-283-4433 | Fax 925-283-7755 | www.working-capital.com | info@working-capital.com

Working Capital offers accounts receivable financing in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida,
Georgia, Hawaii, Idaho State, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana,
Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South
Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

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