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Understanding the True Cost of Factoring and Invoice Discounting For Canadian Firms
Cost of factoring or invoice discounting receivables

Small Business Financing Options-Despite the Credit Crunch

There's no question that the financial crisis and ensuing credit crunch have made it more difficult than ever to secure small business financing and raise capital. This is especially true for fast-growth companies, which tend to consume more resources in order to feed their growth. If they aren't careful, they can literally grow themselves right out of business. Amidst all the gloom and doom, however, it's important to keep one thing in mind: There are still options available for small business financing. It's simply a matter of knowing where to look and how to prepare.

Accounts Receivable Factoring: It’s More Than Just the Money

The concept of "core competency" refers to the things done by a business that lie at the heart of its ability to manufacture a product or deliver a service. From a management standpoint, employees should spend as much time as possible working on tasks that contribute directly to the business's core competencies. Since managing accounts receivable isn't a core competency for most companies, many rely on accounts receivable factoring companies to handle their accounts receivable functions. Read about how one company began factoring its accounts receivable in order to improve cash flow and soon discovered that factoring services offer additional benefits as well.

Factoring: A Commercial Financing Alternative to Venture Capital

In today's difficult credit environment, companies are turning over every stone and looking in every nook and cranny in their efforts to obtain the commercial financing they need to grow and prosper. Many owners think that venture capital is going to be the solution to their financing problems, but VC investors are very cautious even in the best of times, and especially so today. In the current credit environment, many companies are finding that factoring services are often a better and cheaper way to obtain commercial financing than venture capital.

Outsource Your Accounts Receivable Management With Factoring

One of the biggest business trends of the past 20 to 30 years has been the move toward outsourcing. Companies usually decide to outsource functions that aren't part of their core competencies, or in other words, those that don't lie at the heart of their ability to manufacture a product or deliver a service. One particularly time-consuming task that gobbles up untold hours of many employees' time is the management and collection of accounts receivable (A/R). By outsourcing their A/R through factoring, businesses can help employees spend less time on this non-core task and more time doing things that help differentiate themselves from their competitors and make a real difference for their customers.

Factoring and Receivable Financing in Canada
The article provides insight the concept of factoring ( selling your accounts receivable for immediate cash ) in the Canadian business environment .

Is Factoring A Solution for my Cash Flow Challenges in the Canadian Business Financing Environment?
The article provides insights into why Factoring is a solution for Canadian firms to generate cash flow in the current challenging business financing environment

Is there an Alternative Solution to Factoring for Canadian firms with working capital Challenges ?
The article provides an overview of an alternative solution to Factoring as a working capital solution .

Looking at Factoring in a Whole New Light

In the post-financial-crisis world in which we now live, most business owners and entrepreneurs view commercial financing in a completely different light than they did before. With traditional bank loans getting harder to obtain, many owners have had to look “outside the box” for the capital they need to sustain and grow their firms. In doing so, many have discovered (or sometimes rediscovered) the potential benefits of asset-based lending and factoring. Sarsha Adrian, a senior consultant with Graber Associates, a marketing and research firm that specializes in financial services, made this observation during a recent webinar. Read on for more details on her thoughts and comments.

Invoice Cash – Immediate Cash for accounts receivable
Information on how invoice cash, also known as factoring or invoice discounting can assist Canadian firms with working capital turnover and cash flow generation.

Invoice Cash - Working Capital Now for your Receivables
Information on how invoice cash, also known as factoring or invoice discounting can assist Canadian firms with working capital turnover and cash flow solutions for greater growth and profits.

Invoice To Cash – Factoring for Canadian business
Information on on how a Canadian company can convert an invoice to cash for part or all of its accounts receivable portfolio . Also discussed is an overview of how factoring works in Canada versus the U.S. factoring market . Suggestions on how to get a solid working capital facility in place .

Asset Based Line Of Credit vs. Factoring in Canada
Information on what an asset based line of credit is and the differences between it a factoring in Canada. What facility is best for Canadian firms?

Factoring and Accounts Receivable Financing In Canada
Information on how factoring and accounts receivable financing works in Canada . Benefits of factoring and receivables financing in Canada

Alternative and Non-Bank Financing: Don’t Be Afraid!

Despite the tight credit environment, there are many alternative and non-bank financing options available to companies that need a cash infusion. However, business owners often shy away from non-bank financing because they don’t understand it. To help ease some of the fear that owners often have of alternative financing, here is a description of the most common types of non-bank financing. There are many struggling businesses out there today that could benefit from one of these alternative financing options.

Your company already has all the cash it needs!
Unlock assets to finance your business-don't borrow!

Factoring and Accounts Receivable Financing Expert Tips
Information , tips and advice on factoring and accounts receivable financing and factoring in Canada . Information focus on the importance of choosing the right firm and understanding the intricacies of this financing alternative and what pitfalls to avoid .

Why Trucking Companies Love to Factor
In the midst of the credit crunch, companies in many different industries are discovering the potential benefits of factoring their accounts receivable. There’s at least one industry, however, for which factoring isn’t necessarily breaking news: trucking. Trucking companies have been taking advantage of the benefits of factoring for years.

Commercial Financing: How to Do It Yourself

Contrary to what most small business owners think, commercial financing is not rocket science. In fact, there are only three main ways to do it: via debt, equity or what I call “do it yourself” commercial financing. Each method comes with benefits and drawbacks you should be aware of. At various stages in your business’ life cycle, one or more of these commercial financing methods may be appropriate. Therefore, a thorough understanding of each method is important if you think you may ever need to secure commercial financing.

Factoring vs. A/R Financing: What’s the Difference?

In today’s tight credit environment, more and more businesses are having to turn to alternative and non-bank financing options to access the capital they need to keep the gears of their business running smoothly. There are a number of different tools available to owners of cash-strapped businesses in search of financing, but two of the main ones are factoring and accounts receivable (A/R) financing. Sometimes, business owners lump these two options together in their minds, but in reality, there are a few slight differences that result in these being different financing products.

Asset-Based Lenders: Serving a True Need in Today’s Marketplace
Most business owners will tell you that it’s still pretty rough-going out there when it comes to obtaining commercial financing. This is true despite improvements in the economy and efforts by the federal government to jump-start business lending among community banks. In such a tight credit environment, the importance of the role played by asset-based lenders has increased exponentially.

How Factoring and Accounts Receivable Funding Can Fix your Working Captital problems
Factoring receivables as an alternative financing strategy;Information on how you can eliminate cash flow gaps and liqudidity challenges through an effective accounts receivable financing strategy

Factoring and Accounts Receivable Financing – A Real Working Capital solution for Cash Flow challenges
Factoring receivables – Alternative financing with a price ;Information on how you can eliminate cash flow gaps and liquidity challenges through an effective accounts receivable financing strategy . Discussion of some downside issues in factoring funding .

Factoring and Leasing: A Powerful One-Two Commercial Financing Punch

Most owners and entrepreneurs understand the power of financial leverage: spending as little out-of-pocket money as possible on expenses, thus preserving cash flow for the actual operations of the business. When used properly, financial leverage helps companies do just this. Two particular kinds of financial leverage can be especially beneficial: factoring and leasing. When used together, factoring and leasing provide a powerful one-two commercial financing punch.

What If .. Accounts Receivable Finance was the Perfect Answer to Your Cash Flow Financing ?
Why Factoring might be the perfect solutions for your working capital financing challenges ;Information on accounts receivable finance for Canadian business owners and how cash flow financing can solve working capital challenges .

Has Your Company Overlooked the business financing of receivables or Factoring as a Working Capital strategy?
Information on a solid working capital and cash flow solution for Canadian business ;Information on receivables business financing in Canada . How factoring works, what it costs, and why starts ups and major corporations alike are utilizing this business financing strategy

How Receivable Financing and Factoring turns Cash flow for Business Challenges into Opportunity
How To Make Receivable Financing work for you ; Information for Canadian business owners on how the adversity of cash flow for business challenges can be reversed with the effective use of receivable financing and factoring . How this financing works, and why it might work for you!

Myth Buster: Factoring Is Too Expensive?

One of the many myths surrounding the factoring industry is that factoring is simply too expensive to be considered a viable commercial financing option for the average small business. When someone tells me they think factoring is expensive, I ask them “compared to what?” Usually, the least expensive option is not the best one. In the end, the cheapest solution often costs more because it did not solve the problem.

Why It’s Time to Bring Factoring Into Your Financing Equation
In your search for commercial financing in the midst of the ongoing credit crunch, here’s something to factor into your consideration: It may be time to look at factoring in a whole new light. Factoring can make the difference between success or failure for companies operating without adequate working capital-at a cost that’s probably a lot less than most business owners think.

How to get your customers or clients to pay up
When the 20th of the month ticks around and your bank balance isn’t looking as healthy as it should, you know you have a problem. A quick look at your debtor’s ledger reveals that there is a lot of money out there but it is no good to you unless it is sitting in your bank account earning interest. So what do you do to get it in?

Why Confidential Factoring Discounting Is Your Secret Cash Flow For Business Weapon!
Information for Canadian business on confidential factoring discounting and why this tool is a solid cash flow for business strategy and a viable alternative finance options that becomes more popular everyday .

Bob McCormack's Christmas Candy Canes
This article appeared in Mazon Associates' December 2010 monthly newsletter, Building Bridges. We all love candy and it was the perfect article for the Christmas season! Enjoy!

The (R)evolution of Factoring

Factoring was a hot topic at the Association of Financial Professionals (AFP) Annual Conference this past November in San Antonio, Texas. Sarsha Adrian, a senior consultant with Graber Associates, led a lively discussion on what she calls “the (r)evolution of factoring” over the past couple of years. “Factoring has evolved considerably, especially over the last 18 months or so, and there are many nuances you need to understand,” notes Adrian. “Factoring today is far more than just selling invoices at a discount.”

Access To Alternative Financing for Small Businesses
Many small or startup business owners seeking financing are caught between a rock and a hard place. Are you going to let this stop you? Are you going to give up on your dream of owning your own business or growing the current one?

Worried About The Cost Of Business Accounts Receivable Factoring ? Problem Solved !
Minimizing Factoring Costs and Maximizing profits !Information on the true cost of business accounts receivable factoring in Canada and showing a new way of looking at financing your business with account receivable finance strategies

David vs. Goliath: How Alternative Financing Can Help Meet Cash Flow Challenges

Cash is king today, and large corporations are sitting on piles of it. Unfortunately, this is forcing many of their small vendors to scramble to finance lengthening cash flow cycles. If they can’t finance the lag from internally generated working capital, they’ll need some kind of outside cash infusion. With many banks still operating under tight credit procedures, more small businesses are turning to alternative financing options like factoring and accounts receivable (AR) financing.

Horace A.W. Tabor, \"Silver King\" and Baby Doe Tabor

Horace Tabor is a true "rags-to-riches-to-rags" story of Colorado's Silver King of the late 1800s. Though it shows the pioneer spirit that made this country great, it also gives us lessons in persistence, dedication, devotion and determination to transcend all obstacles to reach a specific goal in life -- that ever-elusive "pot of gold (in this case 'silver') at the end of the rainbow. Because in March we celebrate St. Patrick's day, and the fact that Horace's wife, Baby Doe Tabor, is of Irish heritage, makes this a most fitting article for Mazon's March 2011 newsletter, Building Bridges. Please enjoy reading it as much as I enjoyed researching it.

Is Business Receivable Invoice Finance Your Guaranteed Cash Flow Solution? What Factoring Costs
Information on business receivable financing and why invoice finance, commonly called ' factoring' is a guaranteed method of solving cash flow and working capital challenges . Let Factoring be your successful breakthrough in Business Financing !

Alternative Financing Can Help Offset Cash Flow Challenges Presented By Slow-Paying Customers

There are various reasons for the slow pace of economic recovery among small businesses, but one is becoming increasingly apparent: A lack of cash flow caused by longer payment terms instituted by their vendors. To help them cope with the resulting cash flow challenges, more small and mid-sized businesses are turning to alternative financing vehicles. These are creative financing solutions for companies that don’t qualify for traditional bank loans, but need a financial boost to help manage their cash flow cycle.

The Unknown Secret In Canadian Accounts Receivable Finance - C I D Business Factoring And Financing in Canada
Information on business accounts receivable finance in Canada and why a C I D facility can provide your firm with factoring financing , achieving all the benefits of cash flow financing with your firm in control of the process!

Why Cash Flow is King

One of the biggest financial mistakes many small business owners make is focusing too heavily on profitability at the expense of cash flow. There’s an old saying that sums it up well: “Profit is Queen, but cash is King.” It’s critical that you understand the difference between profit and cash flow: Doing so may be the difference between whether your business survives, much less thrives, in today’s challenging business and economic environment.

Your Choice - Right Way / Wrong way ? Canadian Accounts Receivable Financing & Business Factoring
Information on accounts receivable financing and business factoring in Canada . Overview of the best type of facility and how you can impact your factoring pricing .

Factoring: an alternative way to finance your business
Commonly businesses have to extend credit to their customers which in turn become accounts receivable in their cash flow. Factoring bridges this credit gap by enabling a business to get a percentage of their accounts receivable instead of having to wait the 30, 60 or 90 days indicated on their invoice.

Heavyweight Canadian Invoice Finance Funding '" C I D Credit Financing & Factoring for Your Firm
Information on C I D invoice financing funding. A Solid alternative to traditional factoring financing brings your firm credit capacity and working capital .

Get The Lowest & Best Accounts Receivable Financing Loan Rates In Canada – Factoring Demystified!
Information on accounts receivable financing loan rates are calculated and presented to Canadian business owners . Factoring pricing explained so you can profit from this form of business finance in Canada

Factoring Your Small Business Receivables
Over the years I have asked business owners, “What do you know of Factoring?” Many times the answer is “I have never heard of it”. For those who answered, “I know little about it”, this is for you, too. Factoring your small business receivables is when you sell your invoices. This is considered the sale of an asset at a discount.

Analyze This! What Exactly is “ Factoring” In Canada ? Business Financing Canada Options & Cost & How To!
Information on factoring as a business financing Canada Option . What this financing costs and how it works.

Cash Flow Financing - Why Canadian Factor Companies Just Became Your Best Bet For Factoring & A/R Sales Finance
Information on factor companies in Canada –how does factoring pricing work and why have Canadian business owners and financial managers chosen this method of cash flow financing to grow their business.

Myth Buster: If I Factor, I Will Lose Customers

There are a few myths that have tainted many business owners’ perceptions of alternative financing techniques like factoring. One is that if they factor, they will lose customers because their companies appear financially weak. The truth is that a lot of businesses fail because they refuse to consider alternative financing techniques like factoring when they are clearly the best solution. The net result can be far worse than anything an alternative financing technique could cause.

Who Is Providing Sale Of Receivables Financing In Canada? Why Factoring Financial Funding Works !
Choosing the Best A/R Finance Partner ?

A Smart Way To Grow Sales & Raise Capital - Canadian Factor Receivable Loans Financing Via Confidential Factoring
Information on receivable loans financing in Canada . How a confidential factoring facility is an alternative to traditional factor finance with even more benefits!

Moina Bell Michael
This short article appeared in Mazon Associates, Inc. company newsletter, Building Bridges, for May 2011. It is said that every generation has its war, and Ms. Michael wrote "We Shall Keep the Faith" for all of those wars -- past, present and future.

Charles Richard Drew
This article on Charles Richard Drew appeared in Mazon Associates, Inc. June 2011 company newsletter, Building Bridges, and is based on internet research. His life was shortened at a fairly young age but his legacy still lives.

What Kind of Financing is Right for Your Business?
Depending on the type of business, it will need to eventually get financing. Here’s a brief rundown on selected types of financing for commercial ventures.

How To Manage Costs Of Sales Of Receivables Via Factoring – Business Cash Flow Financing Explained!
Information on how to understand and manage the costs of sales of receivables when utilizing the business cash flow strategy known by most business owners as factoring or invoice financing

Nightmare On Receivable Financing Street ? Understanding How Canadian Business Factors Price A/R Factoring In Canada
Information on receivable financing in Canada . How to win the rate game at factoring and business factors pricing .

Creative Financing For Small Businesses

Creative financing is an interesting concept that has many business owners wondering how it could work for them. Many business owners are still not aware of the non-traditional financing methods that are taking the place of traditional bank loans or are working in conjunction with banking institutions. Some of these creative financing methodologies are not loans. They cannot be accessed through traditional financing sources based on their conceptual makeup. The conceptual makeup of some of these options could include the use of your creditworthy clients, government contracting capabilities, current paper or tangible assets, or even the use of your future expected payments.

Receivables Funding In Canada . The Good , The Bad And The Ugly ! Sales Of Receivables Factoring Works If …..
Information on sales of receivables funding for Canadian business owners . Factoring works best under these conditions .

Cash On Hand! What A Concept ! Let Canadian Accounts Receivables Credit Financing Via Factoring Funding Be Your Solution
Information on Canadian accounts receivable credit financing . Why factoring generates ‘ cash on hand ‘ for the cash flow your firm needs.

Anna Mary Robertson Moses, aka "Grandma Moses"
Grandma Moses is one of America's iconic artists who began to paint seriously at the age of 76 years. This article on Grandma Moses is based on internet research, and published in Mazon Associates, Inc. company newsletter (Building Bridges) on February 29,2012. I hope you enjoy reading about her life in this short article.

Jack LaLanne
My short article on Jack LaLanne, America's fitness guru, was published in Mazon Associates, Inc. February 2012 company newsletter, Building Bridges. Information for the article was obtained from various internet searches. I hope you enjoy reading about this entrepreneurial icon.

Robert Lee Frost, Farmer Poet
Mazon Associates, Inc. featured the following Robert Frost article in its January 2012 newsletter, Building Bridges. One of his most famous poems, The Road Not Taken, is a touching tribute to entrepreneurs everywhere. I wrote this article based on internet research. I hope you enjoy it.

Sam and Mary Lauderdale, Mary of Puddin Hill

I was inspired to write about Mary of Puddin Hill's company in Greenville, Texas for Mazon Associates, Inc. December 2011 newsletter, Building Bridges as our company purchased client Christmas gifts from Mary of Puddin Hill for the second consecutive year. Surprisingly, it just so happened that Mary Lauderdale's 86th birthday would have been on December 1st, the original date scheduled for publication; thus, a quick edit reflected this change. Most of this article was written from internet research; part from first-hand knowledge from their daughter, Pud Kearns; and from other research. I hope you will also be inspired by reading about this company.

Richard Samuel Reynolds, Reynolds Metals
Who has never had soda from a can, or used tin foil in cooking? This was my inspiration of reseaching the internet and writing about Richard Reynolds of Reynolds Metals fame for Mazon Associates, Inc.'s October 2011 newsletter, Building Bridges. I hope you enjoy reading this short article.

Nicholas (Nick) James Vujicic, International Motivational Speaker
Upon seeing Nick Vujicic's recent wedding photo yesterday (today is March 2, 2012), reminded me that I had yet to post the article I researched and wrote for Mazon Associates, Inc. April 2011 company newsletter, Building Bridges. So here it is, I hope you are sincerely inspired in reading this young entrepreneur's story.

Charles William (C.W.) Post
One of my coworkers had the opportunity to tour Marjorie Merriweather Post's estate in Washington DC in 2011, which inspired me to research the history of this lady, and write about this in Mazon Associates, Inc. company entrepreneur newsletter for September 2011. I hope you enjoy reading it as much as I enjoyed doing the research and writing!

Quanah Parker
I had the opportunity to visit Fort Parker in Texas several years ago and was quite impressed with its history. I decided to research the internet and write this article about Quanah Parker from an entrepreneural point of view for Mazon Associates, Inc.'s August 2011 newsletter, Building Bridges. I hope you enjoy it!

Bernadine (Bernie) Dutra, OneChild
I researched the internet and wrote the following article for Mazon Associates, Inc.'s July 2011 newsletter, Building Bridges. Bernie Dutra is a beautiful example of what one woman can do for others!

A Quick Proven Way To Accelerate Cash Flow Finance ? Use A Purchase Receivables Factoring Program
Information on cash flow finance and purchase receivables factoring in Canada . Benefits, Costs, and How To !

Excuse Us For Pumping Types Of Accounts Receivable Funding In Canada ! Intrigued By Factoring Finance In Canada?
High Speed A/R Finance 101!

Where Cash Flow Factoring Fits In The Jungle Of Business Financing And Short Term AR Finance
Information on AR factoring as a short term finance strategy for cash flow in Canada.

Factoring In Canada - Canadian Receivable Financing Options
Information on factoring in Canada . What are you factoring options and why should you consider factoring receivables as an alternative financing option for survival and growth . What does factoring cost in Canada .

Factoring In Canada – The Most Important Thing You Need to Know
Achieving Successful Invoice Factoring in Canada ; Information on how firms can achieve financing success via factoring in Canada . Invoice factoring and receivable financing overview for maximum flexibility and pricing .

Accounts Receivable Factoring in Canada
Why Factoring Accounts Receivable Is Your Cash Flow Machine ;Information on why accounts receivable factoring in Canada just might be the best solution for your working capital needs . How receivable factoring works and why factoring accounts puts you in charge of your cash flow in an unlimited manner .

Benefits Of Invoice Factoring And Factors That Affect The Cost Of Factoring Receivables
Why Factoring Doesn’t Cost What You Think It Does ;Information on Invoice factoring for Canadian business owners and factors they need to assess that affect the cost of factoring receivables versus benefits achieved from this popular type of business Financing .

You Have Factoring Questions – Tips on Best Factoring Program and Factoring explained
Why Receivable Financing must just be your final cash flow solution. Information on factoring questions raised by Canadian business . How does a factoring program work, what does it costs . Factoring explained from the terms of benefits and daily processes .

How The Right Factoring Firms in Canada Can Provide Financing Factor Facilities Confidentially
Information on financing factoring, how it works, and why factoring firms Canada can provide you with significant cash flow and working capital via a confidential invoice factoring and discounting facility .

What is Needed to Complete an Initial Nurse Staffing Account Receivable Factoring Transaction?
Factoring firms receive all sorts of questions from business owners in regards to their services. From the cost of factoring to the length of time one is required to remain in a factoring relationship, we’ve heard it all.

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