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My bank declined my line of credit. Now what? If your bank declined your line of credit, the fastest realistic alternative for a B2B company is usually invoice factoring. My bank called, cut or won’t renew my line of credit When a bank calls, freezes or won’t renew your line of credit, a factoring facility can usually refinance the bank out by paying off the line from… I tripped a bank covenant. What are my options? If you tripped a bank covenant, you typically have three paths: get a waiver, sign a forbearance agreement that buys time, or refinance the bank out. How to get out of MCA debt by refinancing with factoring If you invoice creditworthy businesses or government agencies, invoice factoring can pay off your merchant cash advances in one closing and… How to switch factoring companies and buy out your current factor To switch factoring companies, your new factor buys out the old one: it pays your current factor what it’s owed on open invoices, takes over those… My new contracts are bigger than my bank line. How do I fund the growth? When a new contract outgrows your bank line, invoice factoring can fund the gap because availability rises with every invoice you issue instead of… How to fund peak-season payroll and inventory without a year-round loan Seasonal B2B businesses can fund peak-season payroll and inventory by factoring the invoices that peak season produces, so funding rises when… My customers pay in 60 to 90 days. How do I stop waiting on my money? If your customers pay in 60 to 90 days, invoice factoring can turn those invoices into cash within a day or two of billing, typically 70% to 90%… Can a young company with strong customers get invoice factoring? Yes. Can I factor invoices with an IRS or state tax lien? Yes, many businesses with an IRS or state tax lien can still factor invoices, but only with a plan for the lien. Can I get invoice factoring with bad personal credit? Yes, you can often get invoice factoring with bad personal credit, because the factor is mainly underwriting your customers, not you. Can I factor invoices when one customer is most of my sales? Yes, you can factor invoices when one customer is most of your sales, but the funder will usually cap how much it advances against that customer.
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