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They Grinned When the Banker Spoke to Me in French - Our Receivable Factoring Company Can Provide
Your Truck Company The Cash You Need

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Medium-Size trucking businesses, especially those who have actually not been in existence for very long, will typically find it tough to secure a loan. Banks are often reluctant to lend cash to companies that do not have a great deal of income and assets. They also want proof of the practicality of a business and therefore need that the majority of operations, particularly little ones, been around for a specific amount of time prior to they are ready to hand over any cash. Due to the fact that of this, a medium-size company typically has few money producing choices when requires arise. One alternative available, however often neglected, is factoring. This is an outstanding way for a small company to acquire cash.

 

 

 

 

 

 

 

Do Your Receivables Turn as Quickly as You Would Like - Choose A Factoring Company Instead Of A Traditional Bank Financing

How to Enhance Money Flow Without Loaning -Cash Money flow is among the main reasons businesses fail.

At one time or another, every company, even effective ones, have experienced poor money flow.

Cash flow does not have to be a problem any more. Do not be deceived -- banks are not the only locations you can get funding. Other solutions are available and you do not have to borrow money. Exactly what is truck factoring ? One option is called truck factoring. Truck Factoring is the procedure of selling accounts receivable to a financier instead of waiting to gather the cash from the customer. Oh, the Irony- Truck factoring has an ironic difference: It is the financial backbone of many of America's most effective companies. Why is this ironic ? Because truck factoring is not taught in business colleges, is seldom mentioned in business plans and is fairly unidentified to bulk of most of American business individuals.

Yet it is a monetary procedure that frees billions of dollars every year, enabling thousands of businesses to grow and prosper. Trucking Factoring has been around for countless years. Receivable Financing Businesses are investors who pay money for the right to get the future payments on your invoices. An unpaid receivable or invoice has value. It is a financial obligation your client has actually to pay in the near future. Factoring Principals--Although factoring offers exclusively with business-to-business deals, a big percentage of the retail business uses a factoring principal. MasterCard, Visa, and American Express all use a form of factoring in their retail deals. Utilizing the purest definition of the word, these big customer finance companies are truly simply big FACTORING Companies of customer paper. Think about it: You purchase at Sears and charge it to your MasterCard. The shop makes money almost immediately, although you do not make payment up until you are ready.

For this service, the charge card company charges XYZ Store a charge (typical common normal charges range from two to four percent of the sale). The Benefits Truck Factoring can provide many advantages to cash-hungry companies. Rather than wait 30, 60, 90 days or longer for payment on a product that has currently been provided, a business can factor (sell) its receivables for cash at a little price cut off the dollar value of the invoice. Payroll, advertising efforts, and working capital are just a few of the company requirements that can be met with instant  money.

Commercial Factoring offers the ways for a manufacturer to renew stock and make more items to offer: There is no longer a need to wait for earlier sales to be paid. Receivable Loan Financing is not simply a money management tool for producers: Almost any type company can benefit from Receivable Loan Financing. Typically, a business that extends credit will have 10 to 20 percent of its annual sales bound in accounts receivable at any given time. Think for a minute about how much is bound in 60 days' worth of invoices: You can not pay the power expense or today s payroll with a customer s invoice, however you can sell that invoice for the cash to satisfy those responsibilities. Using trucking factoring companies is a quick and easy process. The factor purchases the invoice at a discount, typically a couple of percentage points less than the stated value of the invoice.

 

 

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"

Portland is the largest city in the state of Maine and the county seat of Cumberland County. In 2013, the city proper had a population of 66,318, growing 3 percent since the census of 2000, while the urban area had a population of 203,914. The Greater Portland metropolitan area is home to over half a million people, more than one-third of Maine's total population.Tourists visit Portland's historic Old Port district along Portland Harbor, at the mouth of the Fore River and part of Casco Bay, and the Arts District, which runs along Congress Street in the center of the city. Portland Head Light is located in nearby Cape Elizabeth and marks the entrance to Portland Harbor.The city seal depicts a phoenix rising from ashes, which aligns with the city's motto, Resurgam, Latin for ""I will rise again."" The motto refers to Portland's recoveries from four devastating fires. The city of Portland, Oregon, was named for Portland, Maine.Portland Public Schools is the largest school system in Maine, serving more than 7,000 students. With about 230 restaurants, Portland is believed to have the most restaurants per capita of any city in the United States. Aerial view of Portland Deering Oaks Park with fountain and castle pavilion is located at the point where Interstate 295 meets State Street, Park Avenue, and Deering Avenue.Portland has become Maine's economic capital because the city has Maine's largest port, largest population, and is close to Boston (115 miles to the south). Over the years, the local economy has shifted from fishing, manufacturing and agriculture towards a more service-based economy. Most national financial services organizations such as , and Bank base their Maine operations in Portland. Corp, and Telephone have headquarters here, and Portland's neighboring cities of South Portland, Westbrook and Scarborough, provide homes for other corporations. Since 1867, Co., maker of Beans, has had its main plant in Portland. The plant is considered a local and state landmark.

 

Lewiston is a city in Androscoggin County in Maine, and the second-largest city in the state. The population was 36,592 at the 2010 census. It is one of two principal cities of and included within the Lewiston-Auburn, Maine metropolitan New England city and town area and the Lewiston-Auburn, Maine Metropolitan Statistical Area, which as of 2006 census estimates has a combined population of 107,702. It is also part of the extended Portland-Lewiston-South Portland, Maine combined statistical area, which has a combined population 621,219 as of 2006 estimates.A former industrial center, it is located in south-central Maine, at the falls of the Androscoggin River, across from Auburn. Lewiston and Auburn are often considered a single entity and referred to as Lewiston�Auburn, colloquially abbreviated as L-A or L/A. They have a combined population of 59,647 people. Together, Lewiston-Auburn is somewhat smaller than Maine's largest city, Portland (excluding its own suburbs). Lewiston is home to Bates College, the Basilica of Saints Peter and Paul, the University of Southern Maine's Lewiston-Auburn College, and two significant regional general hospitals: Central Maine Medical Center and Saint Mary's Regional Medical Center.Main St. in Lewiston is US-Route 202, ME-Route 11, and ME-Route 100.

 

Bangor (/'be??g?r/ BAYNG-gor, locally: ['b????g???][]) is a city in and the county seat of Penobscot County in the U.S. state of Maine, and the major commercial and cultural center for eastern and northern Maine. The population of the city was 33,039 at the 2010 United States Census. Bangor is the principal city of the Bangor Metropolitan Statistical Area, which has a population of 153,923, and encompasses all of Penobscot County.As of 2008, Bangor is the third most populous city in Maine, as it has been for more than a century. Bangor is the largest market town, distribution center, transportation hub, and media center in a five-county area whose population tops 330,000 and which includes Penobscot, Piscataquis, Hancock, Aroostook, and Washington counties.Bangor is about thirty miles from Penobscot Bay up the Penobscot River at its couence with the Kenduskeag Stream. It is connected by bridge to the neighboring city of Brewer. Its immediate suburban towns are Orono (home of the University of Maine campus), Hampden, Hermon, Old Town, Glenburn, and Veazie.

 

South Portland is a city in Cumberland County, Maine, America, and is the fourth-largest city in the state, incorporated in 1898. As of the 2010 census, the city population was 25,002. Known for its working waterfront, South Portland is situated on Portland Harbor and overlooks the skyline of Portland and the islands of Casco Bay. Due to South Portland's close proximity to air, marine, rail, and highway transportation options, the city has become a center for retail and industry in the region.Despite the name, South Portland was never part of the city of Portland, having broken away from Cape Elizabeth in 1895.South Portland is a principal city of the Portland � South Portland � Bidde metropolitan area.While the city is considered suburban, it also has a diverse economy, as evidenced by its working waterfront and large retail center.

 

Auburn is a city in and the county seat of Androscoggin County, Maine, United States. The population was 23,055 at the 2010 census. It is one of two principal cities of and included in the Lewiston-Auburn, Maine metropolitan New England city and town area and the Lewiston-Auburn, Maine Metropolitan Statistical Area (which is part of the Portland-Lewiston-South Portland, Maine combined statistical area). Auburn and Lewiston (directly across the Androscoggin River) are known as the Twin Cities or Lewiston-Auburn (L-A).

 

Bidde is a city in York County, Maine, United States. It is the largest city in the county, and is the sixth-largest in the state. It is the principal commercial center of York County. The population was 21,277 at the 2010 census. Twin city of Saco, Bidde includes the resort community of Bidde Pool, Fortunes Rocks and Granite Point. The town is home to the University of New England and the annual La Kermesse Franco-Americaine Festival. First visited by Europeans in 1616, it is the site of one of the earliest European settlements in the United States.Bidde is a principal population center of the Portland-South Portland-Bidde metropolitan statistical area.Bidde is one of Maine's fastest-growing commercial centers, due to its close proximity to the Seacoast Region of New Hampshire and to northern Massachusetts. In recent years, strip malls have developed along the State Route 111 corridor. In late 2006, a 500,000-square-foot (46,000 m2) shopping center known as The Shops at Bidde Crossing opened, with 20 stores and five restaurants.

 

San is a city in York County, Maine, United States. The population was 20,798 in the 2010 census, making it the seventh largest municipality in the state. Situated on the Mousam River, San includes the village of Springvale. The city features many lakes in wooded areas which attract campers.San is part of the Portland�South Portland�Bidde, Maine metropolitan statistical area.On November 6, 2012, San voters approved a new charter to re-incorporate San as a city and replace the town meeting format with a city council/mayor/strong manager form of government, along with other changes. The new charter took effect on January 1, 2013. San's new charter provides that the first mayor would be appointed from the ranks of San's seven city councilors and serve interim for one year period. On January 8, 2013, Maura A. Herlihy was appointed as San's first mayor.In 2014, an elected-at-large mayor would take office and serve a three-year initial first term. On November 5, 2013, Thomas Cote was elected as mayor.Beginning in 2016, the mayoral position will be elected at-large every two years during legislative election cycles.

 

Augusta is the capital of the U.S. state of Maine and the county seat of Kennebec County,The city's population was 19,136 at the 2010 census, making it the third-smallest state capital (after Montpelier, Vermont and Pierre, South Dakota) and the eighth-largest city in Maine. Located on the Kennebec River at the head of tide, Augusta is home to the University of Maine at Augusta.

 

Saco (pronounced SOCK-oh) is a city in York County, Maine, United States. The population was 18,482 at the 2010 census. It is home to Ferry Beach State Park, Funtown Splashtown USA, Thornton Academy, as well as Armament Systems (also known by its former name, Saco Defense), a subsidiary of the defense contractor . Saco sees much tourism during summer months, due to its amusement parks, Ferry Beach State Park, and proximity to Old Orchard Beach.Saco is part of the Portland�South Portland�Bidde, Maine metropolitan statistical area. Saco's twin-city is Bidde.

 

Westbrook is a city in Cumberland County, Maine, United States and a suburb of Portland. The population was 17,494 at the 2010 census. It is part of the Portland�South Portland�Bidde, Maine metropolitan statistical area.Now primarily a suburb of the larger city of Portland, Westbrook itself has a growing business base and developing core downtown district. Laboratories, Inc., a multi-national corporation, is headquartered in Westbrook.[13] In addition to the downt own area, many of the city's businesses are located within two industrial parks (the Col. Westbrook Industrial Park and Five Star Industrial Park), as well as in the area surrounding Maine Turnpike Exit 48.

 

Waterville is a city in Kennebec County in the U.S. state of Maine, United States, on the west bank of the Kennebec River. The population was 15,722 at the 2010 census. Waterville is home to Colby College and Thomas College.

 

Presque Isle /pr?sk a?l/ is the commercial center and largest city in Aroostook County, Maine, United States. The population was 9,692 at the 2010 census. The city is home to the University of Maine at Presque Isle, Northern Maine Community College, Northern Maine Fairgrounds, The Aroostook Centre Mall, and the Northern Maine Regional Airport.Presque Isle is the headquarters of the federally recognized tribe, the Aroostook Band of Micmac.Due to being Aroostook County's largest city, Presque Isle is the retail center for a large number of both American and Canadian towns. The Aroostook Centre Mall became a major shopping center for residents during the 1990s. A Super center also attracts a large number of shoppers. Agriculture remains a top industry of Presque Isle and the surrounding area, with potatoes being the top crop. During the winter months many local businesses rely on the snowmobiling industry as there is a highly regarded trail system connecting far away towns and cities with Presque Isle. Presque Isle is also home to a significant industrial park near the Northern Maine Regional Airport.

 

Brewer is a city in Penobscot County, Maine, United States. It is part of the Bangor, Maine Metropolitan Statistical Area. The city is named after its first settler, Colonel John Brewer. The population was 9,482 at the 2010 census.Brewer is the sister city of Bangor. The two are at the head of navigation on opposite sides of the Penobscot River estuary and are connected by three bridges. Brewer and Bangor were originally both part of Condeskeag Plantation, though the Brewer part was also called ""New Worcester"" after John Brewer's birthplace. In 1788 Orrington, Maine was incorporated with Brewer/New Worcester as its major village. The other half of Condeskeag incorporated in 1791 as Bangor. Finally, in 1812 Brewer broke away from Orrington and incorporated as a separate town.

 

Bath is a city in Sagadahoc County, Maine, in the United States. The population was 8,514 at the 2010 census. It is the county seat of Sagadahoc County. Bath is a port of entry with a good harbor formed by the Kennebec River estuary. The city is popular with tourists, many drawn by its 19th-century architecture. It is home to the Bath Iron Works and Heritage Days Festival, held annually on the Fourth of July weekend.Bath is part of the Portland-South Portland-Bidde, Maine metropolitan statistical area.

 

Caribou is the second largest city in Aroostook County, Maine, United States. Its population was 8,189 at the 2010 census.In Caribou and throughout Aroostook County, the two major agricultural crops are the potato and broccoli. Area farmers annually plant approximately 60,000 acres (240 km2) of potatoes. The chief varieties are Russet Burbank, Superior, Shepody and Atlantic. Aroostook County is renowned for its round white potatoes. The potato crop is used for seed, table stock, and processed potato products. Aroostook County is the largest grower of broccoli on the East Coast.

 

Old Town is a city in Penobscot County, Maine, United States. The population was 7,840 at the 2010 census. The city's developed area is chiefly located on relatively large Marsh Island, though its boundaries extend beyond that. The island is surrounded and defined by the Penobscot River to the east, and the Stillwater River to the west.

 

Ellsworth is a city in and the county seat of Hancock County, Maine, United States. The 2010 Census determined it had a population of 7,741. Ellsworth was Maine's fastest growing city from 2000�2010 with a growth rate of nearly 20 percent. With historic buildings and other points of interest, Ellsworth is popular with tourists.[]

 

Rockland is a city in Knox County, Maine, in the United States. As of the 2010 census, the city population was 7,297. It is the county seat of Knox County. The city is a popular tourist destination. It is a departure point for the Maine State Ferry Service to the islands of Penobscot Bay: Vinalhaven, North Haven and Matinicus.

 

Belfast is a city in Waldo County, Maine, in the United States. As of the 2010 census, the city population was 6,668. Located at the mouth of the Passagassawakeag River estuary on Penobscot Bay, Belfast is the county seat of Waldo County. The seaport has a wealth of antique architecture in several historic districts, and remains popular with tourists.

 

Gardiner is a city in Kennebec County, Maine, United States. The population was 5,800 at the 2010 census. Popular with tourists, Gardiner is noted for its culture and old architecture. Gardiner is included in the Augusta, Maine micropolitan New England City and Town Area.

 

Calais i/'k�l?s/ is a city in Washington County, Maine, United States. As of the 2010 census, it had a population of 3,123. The city has three United States border crossings (also known as a Port of entry) over the St. Croix River bordering St. Stephen, New Brunswick, Canada. Calais has historically been a city of commerce and is recognized as the primary shopping center of eastern Washington County and of Charlotte County, New Brunswick. Currently retail, service, and construction businesses are the primary components of the Calais economy.

 

Hallowell is a city in Kennebec County, Maine, United States. The population was 2,381 at the 2010 census. Popular with tourists, Hallowell is noted for its culture and old architecture. Hallowell is included in the Augusta, Maine micropolitan New England City and Town Area.

 

Eastport is a small city (consisting entirely of islands) in Washington County, Maine, United States. The population was 1,331 at the 2010 census. The principal island is Moose Island, which is connected to the mainland by causeway. Eastport is the easternmost city in the United States (although the nearby town of Lubec is the easternmost municipality).

 

"

 

Maine

 

Maine Cities

 

The U.s. Transportation Association
states that there around
200,000 work with transportation
companies and
276,000 personal companies trucking
firms accredited to
operate in America that transferred,
according to their latest data of millions
products, materials and
standard materials .
There are several common
carriers either going solo or in
groups on our country
roads transferring these
important products to our
stores, factories and shipping ports.

Moreover freight factoring
businesses help
several of them and offer their
receivables financing services
nationallycomprising
including 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

 

The Bureau of Economic Analysis estimates that Maine's total gross state product for 2010 was $52 billion. Maine's agricultural outputs include poultry, eggs, dairy products, cattle, wild blueberries, apples, maple syrup and maple sugar. Aroostook County is known for its potato crops. Commercial fishing, once a mainstay of the state's economy, maintains a presence, particularly lobstering and groundfishing. Western Maine aquifers and springs are a major source of bottled water. Maine's industrial outputs consist chiefly of paper, lumber and wood products, electronic equipment, leather products, food products, textiles, and bio-technology. Naval shipbuilding and construction remain key as well, with Bath Iron Works in Bath and Portsmouth Naval Shipyard in Kittery. Naval Air Station Brunswick is also in Maine, and formerly served as a large support base for the U.S. Navy. Maine is the number one exporter of blueberries. Tourism and outdoor recreation play a major and increasingly important role in Maine's economy. The state is a popular destination for sport hunting (particularly deer, moose and bear), sport fishing, snowmobiling, skiing, boating, camping and hiking, among other activities.

 

 

 

View Our Factoring YouTube Video For More Information

 

Receivable loan company Calculator
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Click below to find Trucking Companies in the United States:

Trucking Companies serving to/from points within the United States,
categorized by services offered. United States Trucking
Companies will be listed under all categories in which they provide specified Trucking Services.
To find companies offering specific Trucking Services in the United States, click on the list of services below.

Life of a Truck driver, like many other professionals can be very challenging, rewarding, and frustrating at the same time. �The com� is an information site for many of the Truckers needs. It is designed to encompass the needs of the Trucker, both on the Road and at Home.

List of Trucking Companies for Owner/Operators and Company Drivers

 

If you're like most drivers, you're looking for a better company in trucking that might be offering the best jobs in terms of pay, freight, and hometime ' not to mention benefits or a sign on bonus. We've got all of our clients listed based on the states where they're hiring, so you can quickly find the best job in your home state. You'll see the very best nationwide trucking companies that have positions available.

 

EveryJob is a free service dedicated to helping professional truck drivers find new truck driving jobs with the best trucking companies hiring today!

Locate truck driving jobs by city, state, position andenefits offered. Search current driving jobs and fill out the EZ truck driver application customized for cdl trucking jobs

 

Click below to find Trucking Companies in the United States:

Trucking Companies serving to/from points within the United States,
categorized by services offered. United States Trucking
Companies will be listed under all categories in which they provide specified Trucking Services.
To find companies offering specific Trucking Services in the United States, click on the list of services below.

If you're like most drivers, you're looking for a better company in trucking that might be offering the best jobs in terms of pay, freight, and hometime ' not to mention benefits or a sign on bonus. We've got all of our clients listed based on the states where they're hiring, so you can quickly find the best job in your home state. You'll see the very best nationwide trucking companies that have positions available.

 

 

"

Perry Truck & Haul have been operating their business since the mid 1980s. For more than twenty years they've been delivering goods for most major industries in the nation, with business booming as they traversed the country, in all kinds of weather, for all kinds of clients. During the heady times from 2002 to 2007, Perry was a top rated accounts receivable mastermind of the trucking industry. Very few customers were behind on their bills, and those customers who were late turned in their overdue payments within an acceptable time frame. Times were great for everyone, and the cash was flowing.But a short year later, in the fall of 2008, when the United States economy took a nosedive and businesses both small and large began to feel the pinch on their pocketbooks, those that used to make their demands had suddenly and largely gone silent. Business slowed down. And worse yet, Perry had noticed during the early part of 2008 that though the bulk of their clients were always on time with payments, the few late-bloomers there were, had seemingly started to spread this illness. Spring changed to summer, summer changed to fall, and the CEO of Perry, Victor Matthews, was beginning to feel very uncomfortable indeed whenever he looked at their weekly Accounts Receivable reports. The numbers of clients who owed him back debt were growing.He had gone to his administrators and asked them what the problem had been. Were they doing something wrong or different when it came to reaching out to delinquent accounts? When checking his bookkeeper's records this was definitely not the case. Perhaps he was losing his customers to his competitor, who seemed to offer very low prices with no guarantee of quality or performance, and these clients who were in debt to his company had possibly disappeared leaving him stranded. They could not afford to pay him their debt, but they could afford a lesser service, maybe. But after doing the cursory research for this and talking to friends in the field, he found that alas, no, customers of Perry hadn't gone elsewhere. The had just gone!.To Victor Matthews the situation looked desperate. He had employees to pay, goods to ship, trucks to maintain and overhead that was almost unbearable when compared against the lack of funds that were coming in. After work he would confide in his wife, Sara, and neither were unable to stop the constant worry over the lack of funds.""Lin, I have a really bad feeling,"" he would say with deep woe.""Well, what do you think it is?"" she would say.Victor would stare off into the distance, and then slowly close his eyes. In his mind he could clearly see the fleet of trucks purchased over the many years. He could see them traveling, bringing goods to all of his clients. But somewhere, a haze would form over his fleet and the vast number of vehicles would disappear to but a few. Why couldn�t he work out how to resolve this financial problem with his business?""I think I know what it could be,"" said Victor. ""I've relied too long on the profits I receive from invoices alone. I've let too many of our customers go too long without paying on their bills."" Linda could only grab her husband's hand and look at him lovingly, ""it is a hard economy. It might be awhile until things get settled up.

 

""Victor knew very well that Sara was only trying to help, but his responsibilities weighed heavily on his shoulders and he knew he had better do something soon to resolve this situation.The following day Victor walked into his office with a spring in his step, determined to call each and every client who owed money to Perry Truck & Haul. This wasn't really a very efficient way for a Chief Executive to spend his day, and Victor knew he should be overseeing all the other sides of the business, such as shipments and deliveries, approaching prospective customers, or working with his sales team. But, he felt like he was doing something proactive to help his business, even though he had staff on salary to do just that thing. A waste of time - a waste of money - he had the best intentions, but all the while Victor was realising just how much trouble he was in.After a half day of contacting debtors in vain - they dodged his calls or promised to call back at worst or made minimal interest-only payments at best - he was about to throw in the towel when his secretary Hollyerley knocked at his door.

 

""Can I have a word with you Victor?"" she asked standing in the doorway.

 

""Of course Holly, please come in."" Victor relaxed back into his chair and looked up at Hollyerley.""Well, I did a little searching this afternoon and tried to figure out a way out of this mess Victor."" She pulled a small stack of papers from a folder and set them on the desk before him.""Have you ever heard of factoring?"" Hollyerley asked.""It sounds vaguely familiar. What is factoring""? he asked.""Well,"" she began, ""It�s actually quite simple really.

 

So basically, factoring invoices would enable us to get paid on the nose for loads that we haul.""Victor interrupted ""Immediately?"".""Immediately, yes"" she added, ""In a nutshell, it is pretty easy. We start by having a professional account manager review our figures and help us set up a company profile. Included in the profile would be the investigation of our accounts receivable aging reports, our current customers' credit limits etc.. In addition, factoring will assist in determining our customers' creditworthiness, independent from their credit relationship with our company. It provides a very broad view.""Victor replied cautiously ""I see - and what happens then?""Following the completion of their review and once we have been approved for a contract with the factoring company, then we sit down to negotiate conditions and terms. You'll be surprised at the amount of flexibility, all dependent upon the credit histories and business volume.

 

The company will advise us the cost to purchase factoring for our company's accounts receivable. Once we arrive at a mutual agreement, the funding begins.�Victor leaned forward and reviewed the paperwork closely.""I do not know, Holly - it just sounds too good to be true"", Victor said quietly.""Yes, I know; that's exactly what I thought at the beginning. But really, they have guaranteed us experts that do all the legwork, which would free us up here to focus on our clients in good standing and marketing, all that good stuff. They appear to be very flexible, Victor,"" she underlined a paragraph on the paper before him.""Just how flexible?"" he asked.""They personalize the factoring rates so that the amount they are willing to take on is commensurate with our needs and our client�s debt. Apparently they can figure this all out in two to four days.

 

""That sounds pretty good, seeing as we tapped ourselves out with bank loans last year to repair the fleet and money sure is tight. We need to keep business rolling as normal and every day we�re going unpaid, we�re closer to facing some serious problems in both the short and long term,"" Victor said.Victor took in a long slow breath, then looked at his secretary with something like hope in his eyes.""Exactly�. I think this might just be a way out of the trouble we are in with these folks who owe us money.""Victor took a moment to think about this solution, and agreed with his secretary. The clients who owed them money were long standing friends and professional resources of Perry. They did not want to throw away these relationships because they were having trouble paying their bills now. Victor knew only too well that the whole economy was floundering, and that it was not going to change overnight. That unknown amount of time, if he handled these debtors incorrectly, could spell disaster for both of them. Of course he did not want to lose any more money, but he did not want to lose business either.""Let me go over this tonight Holly, and thankyou."" Holly nodded, stood up and left the office feeling that she had helped her employer keep on his shirt and hers too.Victor sat behind his desk and looked over the details Holly had not mentioned in their meeting. What other issues could freight factoring help Perry with? Running his pencil down the sheet, he noted that the freight factoring company could assist with fuel costs, fuel advances, and fuel discount cards. Victor was surprised: it said that his company could get up to fifty percent cash advances on load pickups. Victor was a typical business man: he despised binding contracts that did not allow room to breathe, so he was pleasantly surprised to see that the factoring company did not require a long term contract, that there was no minimum volume required, and that there were no sign-up fees.""Well, I'll have to tell Mario about this,"" Victor muttered to himself.Victor's son-in-law, Mario, loved the idea behind Perry and highly respected his father-in-law for having such great business sense, that two years ago he got his capital together and started his own transportation company. At that time Victor knew the struggles Mario would face, but he still encouraged him to follow his dream. With the economy the way it was, if an established company such as Perry was struggling then the little guys, like Mario, were going to be in even more trouble. Perhaps the antidote to these problems was in freight factoring, and they were about to find out.Some months later, having successfully gone through the entire process of the application, having experts study his credit history and statements and review his accounts receivable, Victor found that he was starting his journey out of the despair which had been created for him by his delinquent account holders.They adopted reasonable factoring purchase contracts and stopped wasting their own precious time trying to collect debts. They used that time to refocus their efforts in being competitive in new territories. Victor looked back on the dismal months of life before freight factoring and almost shuddered at the thought. If Victor hadn't discovered freight factoring at just the right time, his business may not be operating today.

 

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"

The Future of a Trucking Company, and Factoring Bobby Jenkins let the phone ring on his desk. He let his morning coffee cool and left his cigarette to ash itself in the tray, because he is trying to make the biggest decision ever for his trucking company. Jenkins Trucking Company was at a turning point of growth and Bobby had to decide if signing with a factoring company was the right way forward.

 

More than forty years ago Bobby's father had started this business working as an owner-operator and eventually growing Jenkins Trucking Company into a fifteen trailer fleet. There had been some hard times when it seemed everything was going to go under and even Bobby�s mother strapped herself into a cab to make hauls. His father had lived long enough to witness the price of hires drop during the recession and watch the eruption of fuel prices afterwards. Now the company was solely in Bobby�s hands and he wanted to live to see it in better shape for his sons.

 

There just never seemed to be enough money to go around, and certainly no spare cash, but to move his company successfully into the future he needed a steady and reliable cash flow. He had employees to pay. They all have families and the usual household bills. Some of the refrigerated trailers were in need of repairs and he felt to stay competitive it was also a good idea to invest in specialized haulers to be ready for the constant requests he was getting for loads of new energy and agriculture equipment. Every time he had to turn down a request, Jenkins Trucking looked weak in a very strong market.

 

He knew what his father would have said - 'wait, take your time before adding new technology'. Bobby chuckled, thinking about his father. His father had been against placing GPS units in the cabs. His Dad would say ""Why on earth do you need some stranger telling you to get off the exit that everyone knows has been there for years?� Also his father had the habit of teasing all the drivers he caught switching into automatic even though driving in automatic was much more efficient though not manly in his father�s eyes. He knew his father's days were long gone and new technology was very important for the business, like having Qualcomm to reduce communication time for bills of lading.

 

Bobby believed a successful man is always thinking of his next step. How would he take Jenkins Trucking to the next level? More importantly, how could he afford it? Funding was all tied up in the mortgage for the office and garage and in the fuel bills. He just finished paying off the small bank loan for installing satellite radio in the trucks for the guys.

 

But was factoring the answer? If he was being honest, he did not really understand how it all worked. It sounded a lot like ninth grade algebra which just didn�t feel like it belonged as part of the trucking business. Factoring companies buy your invoices and manage your accounts receivable for a certain percentage of the invoiced amount. In return, the factoring company pays the trucking business straight away, providing immediate cash flow for the business to pay staff, purchase fuel, and do any repairs or maintenance. Without this assistance, you're placed in the position of waiting for payment from your customers, and this can often be thirty days, or more. In those 30 days, a trucking company can�t pay its bills and employees in invoices.

 

Bobby had to really consider what his next step was going to be. Bobby had heard that there were companies that charged for same day money transfers and would only advance a percentage of the money owed to your company while holding the rest in a private account if they didn�t get their bill payment within 60 or so days. Plus it was worse still if the customer didn�t pay up at all because then the factoring company would take it right out of the money supposed to be coming to you! Through the grapevine, he�d also heard about how some companies suddenly slipped you onto a sliding scale of percentages even if you had already signed a lengthy contract for maybe 3% or 7% so there you are with 10% coming as a cost to you out of the freight bill. His colleague, Ronnie, who owned a trucking company in Missouri, was nearly destroyed by a factoring company who charged him the full freight bill on top of the fees for factoring. Well, what was the point of going to a factoring company if there was shady business like that going on?

 

However, it all turned out to be very simple. All the factoring companies he researched were open about their business practices and very friendly on the phone when he called. Their customer service actually knew things about their company and spoke in nice clear English so he could understand what was being explained. He didn�t mind signing an exclusive contract. In fact, he was quite pleased with the idea of a long-term contract because he knew this was a one-off and he would not have to keep going back and forth to different companies. He was not charged for a credit check, and in addition he was offered a fuel advance on the pick-up of a load. In fact there were a few companies who offered him a non-recourse factoring program, and this was exactly what he had been hoping for. Also he was happy to hear how much he was offered in terms of percentages on the freight bills. It was good money.

 

It was really refreshing dealing with the factoring people. They were extremely helpful and more personable than the bank staff. He was relieved to note that the factoring companies understood the trucking business and discussed business with him like a respected client, not like someone looking for a handout. The factoring companies were not interested in his credit nor the financial problems his father had experienced in the past. All the factoring company was interest in was the credit of his customers and on their reliability: this worked great for Bobby because he and his father had created a very strong and loyal list of clientele over the years. He knew immediately that there would not be any problems when they were contacted by the factoring company regarding their invoices. His clients wouldn�t think poorly of Jenkins Trucking and the factoring companies appeared capable of handling the accounts receivable in the same polite manner that his father had used over the years.

 

Feeling happier now, Bobby stepped out of his office to advise his secretary to expect to receive the contract very shortly from the factoring company. There was a new bounce is his step now: he knew instinctively that this new step would raise the future of his company to a new and higher level, and that all the stress from the past could now be put behind him. With the capabilities of this new cash flow, Bobby could actually expand Jenkins Trucking Company further across the country and perhaps even go international into Canada. He was a happy man again knowing that he had just made a decision which would guarantee the success of his business and his sons would not be inheriting a financial mess.

 

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Invoice For Small Business

 

Factoring Of Invoices

 

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Trucking Factoring  Articles

"

�So, this is not a loan?� asked Jack Bailey, reclining back into his chair and crossing his legs. The woman sitting across the desk from Jack smiled at him, shaking her head.�Not quite,� she said.Jack was the owner of a small trucking company which had fallen on some hard times recently. Certainly the trucking business can be an extremely profitable venture, and for many years it had been that way for Brian. His company was called Mcdonald Trucking, named after both of his grandfathers, Greg and Reginald. They had both been hardworking men, and had done a lot to make Jack the same.Six months ago disaster struck Brian's business when two out of his fleet of fifteen trucks were taken off the road.

 

One was a roll-over and ended up in the trucking graveyard: the other was involved in a serious and costly accident. The financial security of Brian's company relied on his full fleet on fifteen being on the road, and missing two trucks was just devastating . In addition, he just did not have the available cash to buy a new truck, plus repair the other one.Paying of bills in the trucking industry is always a major cause for concern for businesses.

 

Waiting a month or longer for bills to be paid was quite normal. This system works okay as long as no problems arise, but if they do, then things can get quite sticky.Jack wasn�t a bad owner, and he hadn�t messed up. Certain events had occurred that he could not possibly have predicted, and now he had to find a way to protect his business and prevent it from ultimate devastation.And that's why he found himself across the desk from this woman. Her name was Bessie and she worked for a factoring company. Jack had come across her company as he sat in his office late one night, pouring over the internet for some solution to his problem long after his employees had gone home.She sat there now, and explained. �It�s not a loan, we purchase your accounts receivable. We aren�t giving you money to be paid back later, we�re buying something from you, and you can buy it back when you can. This is a win-win situation: we are protected from a total loss, and you're protected from the ridiculous fees and charges you'd have to pay if you borrowed from a bank.Jack nodded. It sounded perfect - perhaps too good?.The woman laughed. �I'm not sure that you believe me,� she chuckled.�Oh no, I do: it just sounds too good to be true. I thought I was going to lose my company.�Bessie smiled, agreeing. �We get that a lot. Listen, I�d hate to see you lose your company. We know how hard you work, and that you've invested everything in your business. We all need help sometimes. That's why we do what we do.""In any case, thank you for coming to see me.""No problem - I'm just down the road. We normally do it all online but I was happy to come and visit you today,� Bessie said with a smile. �Let�s see what we can do to help you.�And with that they set about making a profile.

 

Jack completed the form, with Bessie offering advice as needed.

 

The profile filled Bessie and her company in on Brian�s company, and would help them determine if he was suitable for factoring. In truth, not all companies were. Some businesses are beyond the help of a Factoring company, while other businesses weren't in enough financial stress to warrant it. Listening as Jack filled out his form, Bessie was pretty sure he was a perfect candidate for factoring.When the form was done Bessie took it and slid it into her briefcase. She then stood, reached across the desk and shook Brian�s hand. He also stood up, and they smiled at each other. They said their goodbyes and Jack walked her to the door, and then returned to his office.All his staff members were there, all seven who worked in his office. Sitting behind his desk once more he could hear the familiar sounds of his office workers going about their daily business.He leaned back and closed his eyes. He felt so drained: he had been flailing helplessly for so long, he just knew his business was going to collapse and probably take him with it. Talking to Bessie though, learning about factoring, it felt like a weight had been lifted from his shoulders. He sat back in his chair and ran a hand through his graying but still thick black hair.All those long, sleepless nights. The terrifying panic attacks that occurred regardless of where he was. Already he could feel all the stress start to drain away. He knew it wasn't over yet and that there was still a way to go, but he could just feel everything start to change for him. He was still here; he knew this was the right path for him, and he felt proud that he had taken the appropriate steps to sort out his problems.Jack couldn�t help but think back to when he had first started the business. At twenty-two and straight out of school he had opened a restaurant. It had been successful. Offering home cooking in his own hometown, his business had really prospered.But he had gotten bored. His passion didn�t lie with the food industry. He thought about it for a long time, then decided it was time to sell his restaurant. He took half a year off, and in that time he thought to start Mcdonald Trucking. And that's exactly what he did. Once again he built a company from the ground up. He had been successful.Then disaster! The two trucks went down and suddenly his success wasn't looking so guaranteed. He was about to turn fifty. He didn�t think he had it in him, to save this company. But giving up wasn't part of his personality either.

 

Just the thought of shutting down, cutting his losses, laying off his workers - the whole thing made him physically sick some nights. He didn�t know how to say quit.And now, because of factoring, he was sure he wouldn�t have to. Brian's eyes opened, he sat forward in his chair and turned on his computer. He had lots to do. There would be plenty of time later to be thankful, but for now it was time to get back to work.

 

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The key reasons why Trucking Firms Make use of Factoring Companies.

 

As the operator of your own business, you may be more than aware already of the hardship in making certain that capital matters do not become a predicament down the line. After all, the most unfortunate thing that can quite possibly occur for your business is to find yourself dragged in a long and challenging situation that leaves you forever looking for the cash you are in need of on an continuous basis.

 

For any type of business enterprise in this instance, the complication can come for waiting for work to clear up and actually be paid into your balance. Bill of sales, checks, and the like can take some time to actually to beprocessed which can certainly leave you with short-term cash flow issues. Fortunately, there are alternatives out there for enterprises to examine-- and among these is factoring companies.

 

Factoring companies will, in trade for your statements, supply you with the funds today to make sure that you do not need to fret about the lingering time span that could make paying off the bills and purchasing materialsmore hard. With this style of setup, invoice factoring can come to be extremely practical for a lot of businesses who need to avoid a money lure which they have gotten themselves in.

 

Since, depending upon the scale of the task, it can take up to 60 days for many businesses to get compensated then it is very important to cover your own back and definitely not leave yourself funds short to settle the bills. After all, how many companies have two months earnings just occupying there to handle all their spendings until they make money?

 

This is most notably correct of truck agencies. They generally deal with tons of accounts which means a serious volume of collection period demands business owner themselves. Striving to get paid off promptly can end up being an extraordinary struggle and this is exactly why you use truck factoring companies who are thrilled to help out truckers specifically.

 

As most of us realize, trucking is an amazingly massive field with lots of organizations out there handling hundreds of drivers. Regrettably, many of these drivers wind up in money problems due to the fact that they are still expecting work from six weeks earlier to actually compensate them. When this is the scenario for a trucking organization, depending on factoring providers for reinforcement could be the finest alternative left.

 

This means that a truck organization can compensate the paychecks of the people, keep all the trucks refilled with fuel and continue to go up, evolve and expand without continually waiting for the money which is taking too prolonged to come in. Trucking Business enterprises operating without a factoring system implemented are leaving themselves at significant hazard, as contenders cash out promptly and continue to expand.

 

There's genuinely very little to be stressed about when it comes to using a Factoring company-- they are not like a financial institution or an individual who is going to leave you with a massive stockpile of financial debt to repay. You give them legitimate invoices from work you have already accomplished , you are simply accelerating the repayment process.

 

In the United States, where trucking firms flourish, factoring enterprises are not considered getting a loan in any capacity. This confidential contract then enables both parties to make money and experience a worry-free future-- it provides the factoring company a warranted asset of income to add to the list and it provides the trucking business the needed cash that they worked hard to earn.

 

The trucking enterprise bestows their statements to the factoring establishment. The trucking factoring business then receive the payment amounts from the trucking company's customers. Factoring has been in existence for centuries and has been utilized for several years by a lot of varied fields-- but none exceeding so than truckers. While you may well miss out on a small part of the money, something like 1-3 % depending upon who you work with, it means that you are getting the money today and can actually begin setting the cash to function.

 

Once and for all, an IOU or an invoice is not going to finance spendings, is it? For trucking enterprises when the hard earned cash can be fantastic one day and gone the next, it is up to the drivers to work sensibly and to guarantee they are leaving themselves with a considerable amount of time and finance to get through the week until they are compensated once again.

 

So the next instance your trucking establishment is having some momentary capital problems and you are putting in way too much time chasing slow paying clienteles, why not start off considering utilizing a factoring businesses as a means to get your money and give yourself a more comfortable future in the eyes of your trucking crew and your bank balance?

 

 

 

 

 

 

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Traditional Bank Loans

 

Bank loans are an extremely traditional way for a business to get financing. While these loans are handy they are not available to every business. As an example, a newly formed business may not have the required assets to qualify for a bank loan, and even if they did, it is usual practise for a bank to use the business itself as collateral. This means that if you default on your loan payment you could lose your entire business. Plus, the amount you apply for through the bank is the actual amount that you are going to receive. Once the loan is paid off, you can then apply for another loan if the need arises.

 

Trucking Factoring Companies

 

Trucking Factoring companies do not offer loans, and you do not go into debt when you get money from a Trucking Factoring company. Rather the financing you receive from a Trucking Factoring company is based on money your business has already earned, but have not yet received. The Trucking Factoring company purchases your accounts receivable, or part of them, for a certain percentage of their value - this is normally about 80-95%. The amount of money you can receive is based on the amount of money you have earned and the accounts receivable you are willing to �sell.� Once a Trucking Factoring account has been created for you, it will continue for as long as you need it, with the money available continuing to grow as your business grows, and providing cash as you require it.

 

Benefits of a Trucking Factoring Company Vs. A Bank Loan

 

While not every business can take advantage of Trucking Factoring account financing (you have to have a business that has account receivables) for those that can use this type of financing there are several distinct benefits.

 

1. There is no debt. You do not incur debt as you do with a bank loan because the Trucking Factoring company actually purchases your accounts receivable. This has many benefits including the fact, that this type of financing will not affect either your business credit rating or your personal credit rating. In the event that your business fails, you would not have to be concerned about someone coming after your personal or your business assets in order to pay off a loan. With a bank loan, the debt goes onto your credit report, and even one late payment can adversely affect your businesses credit, and even the ability to get insurance and may even reflect upon your personal credit rating.

 

2. No Collateral Required. Another benefit of using a Trucking Factoring company instead of a traditional loan is that you are not required to provide collateral to the Trucking Factoring company in order to secure financing, because the company �buys� the accounts receivables; not loans you money based on them. Plus, the state of your credit rating is not an issue; however the Trucking Factoring company will run a credit check on your clients whose accounts receivable are being offered for financing. This makes it easier for fledgling businesses to get the financing they need through a Trucking Factoring company (as long as their accounts receivables are in good order) then from a bank, who may not feel that you have been in business long enough to be worth the risk of issuing you a loan.

 

3. You'll receive the money faster. Using a Trucking Factoring company means that you'll get the finance quicker. The money will normally be in your account within 24 hours, once the Trucking Factoring company is confident that your customers� accounts are likely to be paid. Borrowing from a bank begins with vast amounts of paperwork, the loan must be underwritten, and this can take ages before you're notified if the loan has been approved.

 

4.You receive interest up-front. Unlike a bank loan that continues to build interest that you have to pay the entire time you have your business loan with a Trucking Factoring company, you do not have to continue to pay interest as they take it right off the top, deducting it from the total amount of accounts receivable. So you do not have to worry about monthly loan repayments, and you do not have to worry about the amount of interest payable, because all the money in the account is yours to spend.

 

As you can see, there are several benefits that makes considering financing through a Trucking Factoring company over a traditional bank worthwhile. In addition, there are other benefits that a Trucking Factoring company can offer you, outside the scope of a bank. The most important benefits is that once you sell your accounts receivable to the factory company, you do not have to take time away from running your business to collect the money owed from reluctant to pay customers. The Trucking Factoring company takes over that chore, since it is now their money to collect. Trucking Factoring companies are very good at collecting these debts, saving you the time and effort that you need to devote to your growing company.

 

Another bonus is that, because the Trucking Factoring company has evaluated the quality of your customers' credit before buying the accounts receivable, you learn valuable information regarding your customers, like which ones are likely to pay, and which ones are less likely to pay.While a Trucking Factoring company is not the only way for your business to obtain the money it needs to keep growing, it does offer a type of financing well worth considering.

 

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