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What Can We Help You Find?

Business Banking > Loans and Lines of Credit >

Factoring

Factoring

Growing or transitioning businesses can use factoring as an alternative way to finance[cite::111::cite] conventional working capital through the sale of invoices.

Factoring

Factoring is an alternative solution to conventional working capital financing. California Bank & Trust provides this flexible source of funding[cite::111::cite] to provide available capital for growing or transitioning businesses, often as a bridge to conventional bank financing. The factor purchases eligible invoices from a completed service or accepted product and essentially transfers the credit risk from the client to the client’s customer.

Ready to talk about financing?
Call (949) 275-3129

How it works

  • Invoice issued by client to customer
  • Invoice is sold to Bank
  • Cash is used by client for growth, payroll, and/or other expenses
  • Invoice pays through client's lockbox
  • Bank receives payment
  • Client receives reserve amount less fees

When it Works

In certain business situations, a more aggressive source of working capital financing may be a viable solution but also may be difficult to find. We look at the following challenges as opportunities to explore creative funding solutions for our customers and prospects:

  • Newly formed, early stage
  • High-growth
  • Seasonality
  • Acquisitions
  • New large orders
  • Owners with limited net worth and/or damaged credit
  • High debt or inadequate company net worth
  • Highly-leveraged
  • Leveraged or management buyouts
  • Turnaround or restructure
  • Unhappy with existing factoring or asset based lending relationship
  • Payroll tax issues or liens
  • Bankruptcy (DIP)
  • Non-compliance with required loan covenants
  • Inadequate existing revolving loan facility
  • Loan facilities anticipating decline
  • Concentration
  • Inadequate advance rate

Business Credit Advantage

  • More than 100 years of combined business credit experience
  • Same day funding for qualified clients
  • Unlike independent Business Credit providers, your funds are federally insured
  • Our low cost of capital allows for competitive client pricing
  • Flexible program compared to big bank structures
  • Advance rates up to 95% of the invoice amount
  • No exit fees with 60-day notice and no long-term commitments
  • Bridge financing that potentially leads to a traditional bank facility

Industries Served

  • Manufacturing Industry
  • Staffing
  • Service Companies
  • Trucking
  • Energy
  • Manufacturing
  • Wholesalers / Distributors
  • Government Contractors

For a list of commonly asked questions about Factoring, see our Factoring FAQs.

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