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Factoring
HOW IT WORKS
Unlocks immediate liquidity by leveraging our invoice discounting service. Convert your invoices into cash swiftly, boosting your sales volume. Offer improved payment terms to clients while securing discounts through prompt supplier payments. Mitigate the risk of non-payment receivables with our streamlined solution
BENEFITS
- Increase cash flow
- Faster growth
- Combat seasonality
- Flexibility
- Debtor evaluation
- Monitoring of payments dates you launched your business.
TERMS
- Factoring fees range between 0.69% - 4.59% (depending on the days sales outstanding. The average 2.25%)
- $100K up to $10MM Credit Facility
- Pre-qualification in 3 days after insurance approval
- Setup utilization funding in 3 to 5 weeks
- Term 12 months with annual renewal
- Applicant and must be credit insurable
- Loan to value: 70% to 85%
- Setup fee: 2%
- Credit facility annual contract renewal fee: 1%
QUALIFICATION
- Business in operation for at least 2 years.
- Minimum annual revenue of $250K.
- Account receivables minimum of $150K.
- Account receivables rotation rate less than 90 days.
- Invoices over 90 days not eligible for funding.
- Seller's Gross Profit: 15%
- Seller's Net Profit: 5%
- Advance funding ranges from 70% to 95% of total invoice amount.
- Capital utilization permitted for up to 120 days.
- Buyer must be approved for credit insurance.ss services you do best.
Advantage
- Providing the cash flow finance and debt management solution that your business needs to succeed
- Offers a flexible source of working capital driven directly by your trade credit invoices
- Delivers responsive, cost-effective and alternative to a bank overdraft or loan
- Helps you turn today’s sales invoices into tomorrow’s cash flow
- Allows extends favorable terms to customers with confidence
- Cash in your account within hours instead of weeks and months to manage business operations
- Simple tool to smooth out cash flow
- Quick access to growth Capital
Supplier credit
HOW IT WORKS
Efficient Transactions, Rapid Funding: Secure Up to 100% Funding within 24 to 48 Business Hours. Choose Flexible Repayment Dates from 30 to 120 days
BENEFITS
- Negotiate better with suppliers
- Mitigate country risk
- Increase inventory rotation
- Attend new markets
- Increase saleBENEFITS
- Negotiate better with suppliers
- Mitigate country risk
- Increase inventory rotation
- Attend new markets
- Increase sales you launched your business.
QUALIFICATION
- 2 Year Time in Business
- Minimum Annual Revenue: $5MM
- Buyer's Company's Assets: $4MM
- Buyer's Gross Profit: 15%
- Buyer's Net Profit: 5%
- 100% of the Supplier's Invoice
- Capital utilization allowed for up to 120 days
- Credit Insurance Approval
TERMS
- Fees: 1 to 2 % for a 30-day cycle
- Non-recourse factoring agreement: Supplier sells invoices without financial liability to lender
- No impact on existing credit lines
- Flexible fee payment options
- Up to 100% advance on invoice amounts
- Clear payment terms on invoices.
- Buyer's acceptance of payment terms
- Supplier's acknowledgment of invoice sale to lender
- Payment to Supplier upon completion of dispatch with shipping documents on hand
- Setup Fee: 2%
- Annual Renewal Fee: 1%
ADVANTAGES
- Provides pre and post shipping finance
- Finance domestic and international sales order from over $25,000 in value
- Provide liquidity to purchase up to 100% of domestic and international of sales orders on your behalf
- Participates in all trade market industries
- Trade financing duration 30, 60, 90 up to 120
- Our process is completed 100% automated through our techbase platform
- Credit insurance pre-approval
HOW TO APPLY
How to apply
Complete Credit Facility Application Forms and up load them to the portal
Apply for a Facility Line and start growing your business with a set of trade solutions to optimize cash flow
Our team of experts will contact you and follow up to discuss your pre-qualification Credit Facility Application
Your application will be reviewed by our underwriting team and will give a response in few days
Utilize your Credit Facility through our online platform and enhance your business goals!
Once your Facility Line is approved your payment request will be processed through our online portal within 24 hours or less
GUIDELINES
- Time in Business - 2 Years
- Commercial Trade tracking history
- $25K up to $5MM Credit Facility
- Set up in 3 to 5 working days after credit insurance approval
- Pre-Approved Credit Insurance qualification
- Term 12 months with annual renewal
- Applicant and must be credit insurable
- Loan to Value: from 85% - 90%
- Competitive financial rates
- US, Latam, Europe, Asia
NON-QUALIFIED
- Businesses with bankruptcy
- Businesses that have tax liens and no payment plan in place
- Businesses non-credit-insurable
- Businesses that sell to small non‐credit worthy clients or non‐commercial accounts
- Businesses that sell with contingent clauses, ongoing chargebacks, or recurring dilution
- Businesses that sell once a year to a customer, has non‐recurring business with accounts, or has cross‐aged aging of receivables
- Businesses that do not have purchase orders or work authorization by account debtor
REQUIREMENTS
- Client’s last 2 years Financial Statements (Audited if Available)
- Client’s most recent Interim Financial Statement (YTD)
- Accounts Receivables Details and Aging (30, 60, 90+)
- Accounts Payables Details and Aging (30, 60, 90+)
- Articles of Incorporation
- Copy of principal’s ID
- List of clients and the payment terms granted
- Payment history with suppliers/clients
- Financial Projections
NEW 2025 MASSI AI
- We can help you transition to the next generation of AI.
- Podemos ayudarte a migrar a la nueva generación de IA.