New to Factoring?

For those who aren't familiar with factoring, it is basically a fast way to get cash to run your business.

Factoring is Not a Loan

When you send your customers an invoice, they usually have 30 days to pay you back. Factoring companies will give you the bulk of the cash up front, sometimes within 24 hours, and collect the payments from your customers themselves. Once the invoices are paid in full, you’ll get the balance left over, minus a small fee.


Factoring Doesn't Require Debt

Sounds simple enough – fast cash for your business – no loans, no debt.

So how do you go about choosing the best factoring company?

Not all of them are created equal. Not all of them will give you the same level of service you need to help grow your business.

Everyone claims they have the simplest rate structure in the industry, no long-term contracts, same day funding, no up-front fees, no monthly minimums or maximums, etc., etc., etc.

We also offer these same benefits, but we GO THE EXTRA MILE FOR YOU that other factoring companies don’t.

Here’s Why We Are The Factoring Company You Need For Your Business

No other factoring company matches our level of superior service and offerings.


As you can see, we simply have more to offer you.

Other factoring companies don’t even compare.
Athens

And Not All Factoring Companies Can Say This:

More than half of our new business comes through client referrals.

So, Can Your Company Use Factoring?

Of Course! Companies of all sizes, from small privately-owned companies to large multi-national corporations, use factoring as a way to increase their cash flow. Factoring spans all industries, including trucking, transportation, manufacturing and distribution, textiles, oil and gas, staffing agencies and more.

Companies use the cash generated from factoring to pay for inventory, buy new equipment, add employees, expand operations—basically any expenses related to their business. Factoring allows a company to make quicker decisions and expand at a faster pace.

Unlike a bank loan, factoring has…

  • No principle or interest to pay over time
  • No debt to repay
  • Unlimited funding potential – no caps
  • Fast funding – no waiting months like at a bank
  • Approval is based on the strength of your clients, not your credit
  • Startups are welcome in using funding services

Some of the benefits you receive with factoring are:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Information for the city of Athens

Athens (formally known as Athens Clarke County) is a consolidated city county in the U.S. state of Georgia, in the northeastern part of the state, comprising the former city of Athens proper (the county seat) and Clarke County. The University of Georgia, the state's flagship public research university, is located in this college town, and contributed to its initial growth. In 1991, after a vote the preceding year, the original city abandoned its charter to form a unified government with Clarke County, referred to collectively as Athens Clarke County.

 

As of the 2010 census, the consolidated city county (including all of Athens Clarke County except Winterville and a portion of Bogart) had a total population of 115,452; all of Clarke County had a population of 116,714. Athens is the fifth largest city in Georgia, and the principal city of the Athens Clarke County, Georgia Metropolitan Statistical Area,which had a population of 192,541 as of the 2010 census.[5] Athens Clarke County has the smallest geographical area of a county in Georgia.

 

 

Information for the state of Georgia

Georgia's 2010 total gross state product was $403.1 billion. Its Per Capita personal income for 2011 puts it 39th in the nation at $35,979 . If Georgia were a stand-alone country, it would be the 28th largest economy in the world. There are 15 Fortune 500 companies and 26 Fortune 1000 companies with headquarters in Georgia. Georgia has over 1,700 internationally headquartered facilities representing 43 countries, employing more than 112,000 Georgians with an estimated capital investment of $22.7 billion.

 

Atlanta has a very large effect on the state of Georgia and the Southeastern United States. The city is an ever-growing addition to communications, industry, transportation, tourism, and government. Atlanta has been the site of growth in real estate, service, and the communications industries. Widespread farms produce peanuts, corn, and soybeans across middle and south Georgia. The state is the number one producer of pecans in the world, with the region around Albany in southwest Georgia being the center of Georgia's pecan production. Gainesville in northeast Georgia touts itself as the Poultry Capital of the World. Major products in the mineral industry include a variety of clays, stones, sands and the clay palygorskite, known as attapulgite.

 

Immediate payment for your invoices help you avoid financial trouble.  

Factoring is when a third party commercial finance company purchases the Invoices or Accounts Receivable from a business. -Athens Factoring Companies

 

 

YOUR CASH FLOW ADVENTURE BEGINS HERE  

Athens Factoring Companies Articles

"

Why Trucking Companies Use Factoring Companies.

 

As the owner of your own business, you may be more than aware already of the difficulty in making sure that cash flow issues do not become a problem down the line. After all, the worst thing that can possibly happen for your business is to find yourself embroiled in a long and difficult situation that leaves you forever trying to find the cash you need on an ongoing basis.

 

For any business in this situation, the problem can come for waiting for work to clear up and actually be paid into your account. Invoices, checks, and the like can take some time to actually to be processed which can leave you with short-term cash flow issues. Thankfully, there are options out there for businesses to look into – and one of these is factoring companies.

 

Factoring companies will, in exchange for your invoices, provide you with the cash today so that you don’t need to worry about the waiting period that could make paying the bills and getting materials more difficult. With this type of setup, invoice factoring can become incredibly useful for many businesses who need to get out of a cash trap which they have found themselves in.

 

Because, depending on the size of the job, it can take up to 60 days for some businesses to get paid then it’s important to cover your own back and not leave yourself cash short to pay the bills. After all, how many businesses have two months revenue just lying there to cover all their expenses until they get paid?

 

This is especially true of trucking companies. They tend to deal with lots of invoices which means a significant amount of collection time involves business owner themselves. Trying to get paid in time can become an incredible hassle and this is why you use trucking factoring companies who are happy to help out truckers specifically.

 

As we all know, trucking is an incredibly large industry with many companies out there employing hundreds of drivers. Unfortunately, many of these drivers end up in money troubles because they are still waiting for work from six weeks ago to actually pay them. When this is the situation for a trucking company, turning to factoring companies for assistance might be the best choice left.

 

This means that a trucking company can pay the wages of the staff, keep all the trucks topped off with fuel and continue to scale, grow and expand without always waiting for the money which is taking too long to come in. Trucking Businesses running without a factoring program put in place are leaving themselves at significant risk, as competitors cash out fast and continue to expand.

 

There’s genuinely nothing to be worried about when it comes to using a Factoring company – they aren’t like a bank or somebody who is going to leave you with a huge pile of debt to pay back. You give them genuine invoices from work you have already finished, you are merely speeding up the payment process.In the United States, where trucking companies thrive, factoring companies are not considered borrowing in any capacity. This confidential agreement then allows both parties to profit and enjoy a comfortable future – it gives the factoring company a guaranteed asset of income to add to the list and it gives the trucking firm the needed cash that they worked hard to earn.

 

The trucking company provides their invoices to the factoring company. The trucking factoring company then receive the payments from the trucking company’s customers. Factoring has been around for hundreds of years and has been used for many years by many different industries – but none more so than truckers. While you may miss out on a small part of the money, something like 1-3% depending on who you work with, it means that you are getting the money today and can actually start putting the money to work.

 

After all, an IOU or an invoice is not going to pay for expenses, is it? For trucking companies when the money can be good one day and gone the next, it’s up to the drivers to work sensibly and to ensure they are leaving themselves with a significant amount of time and finance to get through the week until they are paid again.

 

So the next time your trucking business is having some short-term cash flow issues and you are spending too much time chasing slow paying clients, why not start considering using a factoring businesses as a way to get your money and give yourself a more comfortable future in the eyes of your trucking staff and your bank balance?

 

 

"

 

Immediate payment for your invoices help you avoid financial trouble.

 

 

Athens Factoring Companies Articles

Benefits Of A Factoring Company Over A Traditional Bank Loan

 

Anyone who owns a business knows that there are times when the money goes out of your business much faster than it is coming in. This can put a company in a financial bind, making it difficult to purchase raw materials, pay their employees, or even keep the utilities on. The simple truth is that every company needs to have ready cash in order to keep their business running on an even keel and in order for it to grow. There are a number of different ways that a company can get the money they need to keep their business running and moving forward, but not all of these ways offer businesses the same freedom and benefits. This article will talk about two popular, but different types of financing available to business. The Traditional bank loan, and getting your financing through a factoring company.

 

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. For example, a fairly newly established business simply may not have the assets to readily get a loan from a bank, even if they do, the standard collateral for a business loan is the business itself, which means that if you cannot make your loan payment, you risk losing your entire business. In addition, while you apply for a certain loan amount, that is all the financing you are entitled to. Once the loan is paid off, you can then apply for another loan if the need arises.

 

Factoring Companies

 

Factoring companies do not give loans, and the money you get from the factoring company does not put you in debt. Rather the financing you receive from a factoring company is based on money your business has all ready earned, but have not yet received. Factoring companies actually purchase your account's receivable or at least part of them for a percentage of their total worth, Normally around 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 you have set up factoring account it continues as long as you wish it too and the amount of money available to you even can grow as your business grows, giving you the ready cash you need to meet your own obligations.

 

Benefits of a Factoring Company Vs. A Bank Loan

 

While not every business can take advantage of 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. You Won't Incur Debt. Since the factoring company actually buys your accounts receivable you don't actually incur debt like you do with a bank loan. This has many benefits including the fact, that this type of financing won't affect either your business credit rating or your personal credit rating. Should the unforeseeable happen and your business fails, you won't have to worry about anyone coming after your personal as well as your business assets 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 factoring company instead of a traditional loan is that you aren't required to provide collateral to the factoring company in order to secure financing, because the company “buys” the accounts receivables; not loans you money based on them. In addition, while the factoring company does run a credit check on your customers whose accounts receivables are offered for financing, the state of your credit is not an issue. This makes it easier for fledgling businesses to get the financing they need through a 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. Receive Your Money Faster. With a Factoring company you can actually get the money you need faster. Once the Factoring company assures itself that the customers in your accounts receivable are likely to pay their debt, the money is usually in the account within 24 hours. With a bank, there are vasts amounts of paperwork, then the loan has to be underwritten, which can take months before you actually see the loan if it is approved.

 

4. Interest is Paid 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 factoring company, you don't have to continue to pay interest as they take it right off the top, deducting it from the total amount of accounts receivable. So not only are you relieved of those monthly loan payments, but you also don't have to worry about the building up of interest, as every penny in the account is yours to spend on the business.

 

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

 

In addition, since the factoring company evaluates the credit quality of your customers prior to purchasing the accounts receivable you gain valuable information into which customers are likely to pay and which ones are not so likely to pay.

 

While a 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.

 

 

 

 

Athens Factoring Companies Articles

columbia-factoring-companies

 

You Can Find More Information at  http://rjbstudio.com/
and at www.gameparts.org /

Call Us Today at: 1-866-593-2195

 

Watch our Factoring Company Video below to see how we work for you.

 

 


 

Get CASH NOW for your outstanding invoices.

 

Athens Factoring Companies Links

New York City Factoring Companies

 

Los Angeles Factoring Companies

 

Chicago Factoring Companies

 

Houston Factoring Companies

 

Philadelphia Factoring Companies

 

Phoenix Factoring Companies

 

San Antonio Factoring Companies

 

San Diego Factoring Companies

 

Dallas Factoring Companies

 

San Jose Factoring Companies

 

Austin Factoring Companies

 

Jacksonville Factoring Companies

 

Indianapolis Factoring Companies

 

San Francisco Factoring Companies

 

Columbus Factoring Companies

 

Fort Worth Factoring Companies

 

Charlotte Factoring Companies

 

Detroit Factoring Companies

 

El Paso Factoring Companies

 

Memphis Factoring Companies

 

Boston Factoring Companies

 

Seattle Factoring Companies

 

Denver Factoring Companies

 

Washington DC Factoring Companies

 

Nashville Davidson Factoring Companies

 

Baltimore Factoring Companies

 

Louisville Jefferson Factoring Companies

 

Portland Factoring Companies

 

Oklahoma City Factoring Companies

 

Milwaukee Factoring Companies

 

Las Vegas Factoring Companies

 

Albuquerque Factoring Companies

 

Tucson Factoring Companies

 

Fresno Factoring Companies

 

Sacramento Factoring Companies

 

Long Beach Factoring Companies

 

Kansas City Factoring Companies

 

Mesa Factoring Companies

 

Virginia Beach Factoring Companies

 

Atlanta Factoring Companies

 

Colorado Springs Factoring Companies

 

Raleigh Factoring Companies

 

Omaha Factoring Companies

 

Miami Factoring Companies

 

Oakland Factoring Companies

 

Tulsa Factoring Companies

 

Minneapolis Factoring Companies

 

Cleveland Factoring Companies

 

Wichita Factoring Companies

 

Arlington Factoring Companies

 

New Orleans Factoring Companies

 

Bakersfield Factoring Companies

 

Tampa Factoring Companies

 

Honolulu Factoring Companies

 

Anaheim Factoring Companies

 

Aurora Factoring Companies

 

Santa Ana Factoring Companies

 

St. Louis Factoring Companies

 

Riverside Factoring Companies

 

Corpus Christi Factoring Companies

 

Pittsburgh Factoring Companies

 

Lexington Fayette Factoring Companies

 

Anchorage Factoring Companies

 

Stockton Factoring Companies

 

Cincinnati Factoring Companies

 

St. Paul Factoring Companies

 

Toledo Factoring Companies

 

Newark Factoring Companies

 

Greensboro Factoring Companies

 

Plano Factoring Companies

 

Henderson Factoring Companies

 

Lincoln Factoring Companies

 

Buffalo Factoring Companies

 

Fort Wayne Factoring Companies

 

Jersey Factoring Companies

 

Chula Vista Factoring Companies

 

Orlando Factoring Companies

 

St. Petersburg Factoring Companies

 

Norfolk Factoring Companies

 

Chandler Factoring Companies

 

Laredo Factoring Companies

 

Madison Factoring Companies

 

Durham Factoring Companies

 

Lubbock Factoring Companies

 

Winston Salem Factoring Companies

 

Garland Factoring Companies

 

Glendale Factoring Companies

 

Hialeah Factoring Companies

 

Reno Factoring Companies

 

Baton Rouge Factoring Companies

 

Irvine Factoring Companies

 

Chesapeake Factoring Companies

 

Irving Factoring Companies

 

Scottsdale Factoring Companies

 

North Las Vegas Factoring Companies

 

Fremont Factoring Companies

 

Gilbert town Factoring Companies

 

San Bernardino Factoring Companies

 

Boise Factoring Companies

 

Birmingham Factoring Companies

 

Rochester Factoring Companies

 

Richmond Factoring Companies

 

Spokane Factoring Companies

 

Des Moines Factoring Companies

 

Modesto Factoring Companies

 

Fayetteville Factoring Companies

 

Tacoma Factoring Companies

 

Oxnard Factoring Companies

 

Fontana Factoring Companies

 

Columbus Factoring Companies

 

Montgomery Factoring Companies

 

Moreno Valley Factoring Companies

 

Shreveport Factoring Companies

 

Aurora Factoring Companies

 

Yonkers Factoring Companies

 

Akron Factoring Companies

 

Huntington Beach Factoring Companies

 

Little Rock Factoring Companies

 

Augusta Factoring Companies

 

Amarillo Factoring Companies

 

Glendale Factoring Companies

 

Mobile Factoring Companies

 

Grand Rapids Factoring Companies

 

Salt Lake City Factoring Companies

 

Tallahassee Factoring Companies

 

Huntsville Factoring Companies

 

Grand Prairie Factoring Companies

 

Knoxville Factoring Companies

 

Worcester Factoring Companies

 

Newport News Factoring Companies

 

Brownsville Factoring Companies

 

Overland Park Factoring Companies

 

Santa Clarita Factoring Companies

 

Providence Factoring Companies

 

Garden Grove Factoring Companies

 

Chattanooga Factoring Companies

 

Oceanside Factoring Companies

 

Jackson Factoring Companies

 

Fort Lauderdale Factoring Companies

 

Santa Rosa Factoring Companies

 

Rancho Cucamonga Factoring Companies

 

Port St. Lucie Factoring Companies

 

Tempe Factoring Companies

 

Ontario Factoring Companies

 

Vancouver Factoring Companies

 

Cape Coral Factoring Companies

 

Sioux Falls Factoring Companies

 

Springfield Factoring Companies

 

Peoria Factoring Companies

 

Pembroke Pines Factoring Companies

 

Elk Grove Factoring Companies

 

Salem Factoring Companies

 

Lancaster Factoring Companies

 

Corona Factoring Companies

 

Eugene Factoring Companies

 

Palmdale Factoring Companies

 

Salinas Factoring Companies

 

Springfield Factoring Companies

 

Pasadena Factoring Companies

 

Fort Collins Factoring Companies

 

Hayward Factoring Companies

 

Pomona Factoring Companies

 

Cary Factoring Companies

 

Rockford Factoring Companies

 

Alexandria Factoring Companies

 

Escondido Factoring Companies

 

Mckinney Factoring Companies

 

Kansas City Factoring Companies

 

Joliet Factoring Companies

 

Sunnyvale Factoring Companies

 

Torrance Factoring Companies

 

Bridgeport Factoring Companies

 

Lakewood Factoring Companies

 

Hollywood Factoring Companies

 

Paterson Factoring Companies

 

Naperville Factoring Companies

 

Syracuse Factoring Companies

 

Mesquite Factoring Companies

 

Dayton Factoring Companies

 

Savannah Factoring Companies

 

Clarksville Factoring Companies

 

Orange Factoring Companies

 

Pasadena Factoring Companies

 

Fullerton Factoring Companies

 

Killeen Factoring Companies

 

Frisco Factoring Companies

 

Hampton Factoring Companies

 

Mcallen Factoring Companies

 

Warren Factoring Companies

 

Bellevue Factoring Companies

 

West Valley City Factoring Companies

 

Columbia Factoring Companies

 

Olathe Factoring Companies

 

Sterling Heights Factoring Companies

 

New Haven Factoring Companies

 

Miramar Factoring Companies

 

Waco Factoring Companies

 

Thousand Oaks Factoring Companies

 

Cedar Rapids Factoring Companies

 

Charleston Factoring Companies

 

Visalia Factoring Companies

 

Topeka Factoring Companies

 

Elizabeth Factoring Companies

 

Gainesville Factoring Companies

 

Thornton Factoring Companies

 

Roseville Factoring Companies

 

Carrollton Factoring Companies

 

Coral Springs Factoring Companies

 

Stamford Factoring Companies

 

Simi Valley Factoring Companies

 

Concord Factoring Companies

 

Hartford Factoring Companies

 

Kent Factoring Companies

 

Lafayette Factoring Companies

 

Midland Factoring Companies

 

Surprise Factoring Companies

 

Denton Factoring Companies

 

Victorville Factoring Companies

 

Evansville Factoring Companies

 

Santa Clara Factoring Companies

 

Abilene Factoring Companies

 

Athens Factoring Companies

 

Vallejo Factoring Companies

 

Allentown Factoring Companies

 

Norman Factoring Companies

 

Beaumont Factoring Companies

 

Independence Factoring Companies

 

Murfreesboro Factoring Companies

 

Ann Arbor Factoring Companies

 

Springfield Factoring Companies

 

Berkeley Factoring Companies

 

Peoria Factoring Companies

 

Provo Factoring Companies

 

El Monte Factoring Companies

 

Columbia Factoring Companies

 

Lansing Factoring Companies

 

Fargo Factoring Companies

 

Downey Factoring Companies

 

Costa Mesa Factoring Companies

 

Wilmington Factoring Companies

 

Arvada Factoring Companies

 

Inglewood Factoring Companies

 

Miami Gardens Factoring Companies

 

Carlsbad Factoring Companies

 

Westminster Factoring Companies

 

Rochester Factoring Companies

 

Odessa Factoring Companies

 

Manchester Factoring Companies

 

Elgin Factoring Companies

 

West Jordan Factoring Companies

 

Round Rock Factoring Companies

 

Clearwater Factoring Companies

 

Waterbury Factoring Companies

 

Gresham Factoring Companies

 

Fairfield Factoring Companies

 

Billings Factoring Companies

 

Lowell Factoring Companies

 

Ventura Factoring Companies

 

Pueblo Factoring Companies

 

High Point Factoring Companies

 

West Covina Factoring Companies

 

Richmond Factoring Companies

 

Murrieta Factoring Companies

 

Cambridge Factoring Companies

 

Antioch Factoring Companies

 

Temecula Factoring Companies

 

Norwalk Factoring Companies

 

Centennial Factoring Companies

 

Everett Factoring Companies

 

Palm Bay Factoring Companies

 

Wichita Falls Factoring Companies

 

Green Bay Factoring Companies

 

Daly City Factoring Companies

 

Burbank Factoring Companies

 

Richardson Factoring Companies

 

Pompano Beach Factoring Companies

 

North Charleston Factoring Companies

 

Broken Arrow Factoring Companies

 

Boulder Factoring Companies

 

West Palm Beach Factoring Companies

 

Santa Maria Factoring Companies

 

El Cajon Factoring Companies

 

Davenport Factoring Companies

 

Rialto Factoring Companies

 

Edison Factoring Companies

 

Las Cruces Factoring Companies

 

San Mateo Factoring Companies

 

Lewisville Factoring Companies

 

South Bend Factoring Companies

 

Lakeland Factoring Companies

 

Erie Factoring Companies

 

Woodbridge Factoring Companies

 

Tyler Factoring Companies

 

Pearland Factoring Companies

 

College Station Factoring Companies

 

Albany Factoring Companies

 

Allegheny Factoring Companies

 

Brooklyn Factoring Companies

 

Camden Factoring Companies

 

Canton Factoring Companies

 

Dearborn Factoring Companies

 

Duluth Factoring Companies

 

Fall River Factoring Companies

 

Flint Factoring Companies

 

Gary Factoring Companies

 

Hammond Factoring Companies

 

Kenosha Factoring Companies

 

Livonia Factoring Companies

 

Lynn Factoring Companies

 

Macon Factoring Companies

 

New Bedford Factoring Companies

 

Niagara Falls Factoring Companies

 

Parma Factoring Companies

 

Portsmouth Factoring Companies

 

Reading Factoring Companies

 

Roanoke Factoring Companies

 

Scranton Factoring Companies

 

Somerville Factoring Companies

 

St. Joseph Factoring Companies

 

Trenton Factoring Companies

 

Utica Factoring Companies

 

Wilmington Factoring Companies

 

Youngstown Factoring Companies