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Invoice factoring

Invoice Factoring

Explore invoice factoring services from Alliance One LLC designed to help B2B businesses improve cash flow and access funding faster.

We Solve Your Cash-flow Needs

  • We Provide Working Capital
  • We Purchase your Invoices for Immediate Cash
  • We Wait to Get Paid By Your Customers
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Over 30,000 Satisfied Clients!

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Onboard As Fast As 3 Days
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Invoice Factoring Services

Partnering with a factoring company will expedite your cash-flow. If your company is well established or new, you will be approved.

Is your business growing and you now need immediate cash?

  • You do not want to take on more debt but want to expand your business. Invoice factoring is not a loan, you do not take on additional debt.
  • Your business needs working capital to purchase materials and/or equipment to fill customer orders or to pay your staff
  • You need to focus on your mission-critical business functions and don’t have the time or expertise to perform back-office functions
  • Your business currently has, or has previously had, credit problems (even Chapter 7 or 11) and cannot qualify for bank loans or traditional financing
  • You’re looking to take advantage of vendor discounts for early or cash payments
  • You deal with customers that are on a longer than standard payment schedule
  • You have more receivables than cash
  • You were awarded a new contract
  • You want to take on new customers but you cannot offer longer net terms

Full-Service Factoring

A comprehensive solution where we handle all aspects of your accounts receivable management, including credit checks, collections, and payment processing.

Key Features:

  • Complete accounts receivable management
  • Credit analysis of your customers
  • Collections and payment processing
  • Detailed reporting and online access

Best for: Businesses looking to outsource their entire accounts receivable process and focus on core operations.

Partial Factoring

Also known as selective factoring, this option allows you to choose which invoices to factor, giving you greater control over your financing.

Key Features:

  • Select specific invoices to factor
  • Flexible funding when you need it
  • Lower fees for selective use
  • Maintain control over collections

Best for: Companies with seasonal cash flow needs or those who want to maintain control over their customer relationships.

Factoring Without Recourse

This option provides protection against customer non-payment. We assume the credit risk if your customer fails to pay the invoice.

Key Features:

  • Protection against customer non-payment
  • Credit protection on approved customers
  • Reduced risk for your business
  • Higher advance rates available

Best for: Businesses working with new customers or those in industries with higher credit risk.

What Services Does Alliance One Provide?

At Alliance One, we do one thing but we do it well and that’s invoice factoring. We are direct lenders, we do our underwriting in-house, we can approve deals within a day (after the file is submitted). When you have been approved, you will be assigned a dedicated seasoned account representative. All of our account reps are seasoned professional, you will not be jostled for rep to rep. Alliance One will act as an extension of your arm, we are here to make your business run smoothly and to keep your customers happy.

We purchase your accounts receivable and provide you with immediate cash. How much are you owed in open invoices? Do you need this to come in faster? Are you calling your customers asking about the status of their payments?

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Complete Your Application

Fill out a short application with basic business and customer information. The process is straightforward and designed to move quickly.

Send the Invoices You Wish to Factor

Submit the unpaid invoices you want to factor along with any required documentation. We focus on your customers’ creditworthiness, not your business’s debt.

Get Approved & Get Funded

Once approved, funding is issued fast, often within one business day. You gain immediate access to working capital to support operations and growth.
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Testimonials

See How We Transform Cash Flow

As a small business owner, I would often have to turn away business because it would deplete my resources to do the job. Now that I am using Alliance One LLC as my factoring company, I am able to take on larger jobs and offer the credit terms that big companies demand. I have nearly doubled my business in the past year with the help of Alliance One.

Joe S. / Commercial Printer
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How do you qualify for factoring?

Factoring approval is typically based more on the creditworthiness of your customers and the quality of your accounts receivable than on your personal credit. To qualify, your business generally needs to provide products or services to other businesses and have eligible invoices owed by creditworthy customers.

New and established businesses may qualify for factoring, and you do not necessarily need several years of operating history. Existing liens, tax obligations, customer concentration and other factors may affect eligibility, so each business is evaluated individually.

If you’re unsure whether your business qualifies, Alliance One can review your situation and help determine whether invoice factoring is a good fit.

Should you use a broker or a direct lender?

They both have advantages to some degree.  Brokers usually deal with multiple lenders, some factoring lenders do not fund in the construction industry and others may not factor in the medical industry.  A broker will know where to send your file to have the best chance of getting an approval. This will save you time and aggravation.  The downside to brokers is… they are commission-based, so you will typically pay a little higher rate than you would if you went to a direct lender.  If your business is in new construction, health care, insurance or another industry that is considered to be high risk, you might be better off working with a broker.

What Type of Business do you Factor for?

Alliance One factors for a wide range of industries.  It is important to know that invoice factoring is business to business.  If your company invoices other businesses for products and services, you will most likely be able to factor with us.  To see a list of typical industries we service please click here.  Alliance One does not factor for freight brokers, the medical industry (if you are billing insurance companies), and new construction projects.

Turn open invoices into working capital