ATF Finance

What Is Factoring? Factoring is the purchase of accounts receivable at a discount for immediate cash. Factoring gives businesses access to working capital without diluting equity or incurring debt. Q: What is a factoring company? A commercial finance company that specializes in the purchase of invoices or accounts receivable for cash. Q: What is the difference between non-recourse and recourse factoring When an invoice is factored on a "non-recourse" basis, the factor takes the credit risk of the account debtor. This protects the client from credit losses. When an invoice is factored "with recourse", the client is ultimately responsible for payment regardless of whether the account debtor pays or not. Q: What types of businesses factor receivables? ATF FINANCE serves a wide range of industries, including trucking, temporary personnel agencies, printing companies, manufacturers, wholesalers, and many service industries such as janitorial and armed guard services. Most any business that sells a product on terms not exceeding 60 days can use factoring. Q: What size client does ATF Finance support? ATF FINANCE serves companies from start-up to $2 million in monthly sales. Q: Is the location of my business a potential issue? No. ATF FINANCE is a nationwide commercial finance company. We can serve clients in all 50 states. Q: What about my customers? ATF FINANCE purchases credit-worthy invoices from anywhere in the United States. Q: Do you have any references? Yes. ATF FINANCE will be happy to provide references upon initiation of the application process