GUIDE TO ECOMMERCE SUPPLY CHAIN FACTORING
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1 GUIDE TO ECOMMERCE SUPPLY CHAIN FACTORING
2 What is Supply Chain Factoring? Supply chain factoring (also called invoice factoring, receivables financing or invoice discounting) is a business finance tool that gives companies who invoice customers for payment or who wait on payments from third party platforms (like Amazon, Zulily, app and software development, business customers, etc.) immediate access to the money owed to them on the same day an invoice or statement is generated. When they factor customer invoices they no longer have to wait 15, 30, 60, 90 days or even longer to receive payment. Expedited cash flow can significantly improve an organization s ability to meet expenses and grow more quickly. Companies that factor invoices (or third party payments) can take on new accounts and fill bigger orders more easily, reduce accounting-related expenses, negotiate discounts with suppliers and improve their ability to meet payroll and operating expenses.
3 How the Process Works Your business generates a customer invoice, or a third party platform issues a statement showing royalties, commission or revenue your company has earned. Instead of waiting weeks or months to get paid, factor the invoice or statement with us and get free same day funding of up to 98% of the amount for a small fee which could be as low as 1% of the amount of the invoice or statement. Any remaining balance is held in reserve until the invoice or statement has been paid. Once payment has been received for the statement or invoice, any amount held in reserve gets returned to you.
4 Benefits of Factoring Factoring enables you to turn the money owed to you into working capital you can use immediately. Rather than waiting weeks or months on payments from customers or ecommerce platforms, you can free up working capital in order to: Meet day to day expenses and cover payroll cycles more easily Negotiate or take advantage of early-pay supplier discounts Take on more accounts and fulfill bigger orders Reduce accounting-related costs (fewer accounts receivables tasks to perform) Reduce or even eliminate financial risk from bad debt (with non-recourse factoring) Offer generous credit terms to your business clients as a competitive advantage
5 Additional Benefits of Non-Recourse Factoring As our client, you ll receive the additional benefits of working with a non-recourse factor without paying more. Choosing a non-recourse factoring company like DB Squared reduces your organization s financial risk from bad debt. When we factor an invoice or statement, we also assume the credit risk. If your customer is unable to pay for credit (insolvency) reasons, we absorb the loss not you. Companies that factor with recourse don t assume the credit risk for factored invoices. They may require you to buy back customer invoices that remain unpaid as well as cover any legal or collections costs incurred.
6 Common Reasons for Factoring Clients commonly cite these reasons as most-relevant to their decision to factor invoices (or payment statements) to speed up cash flow: They have to wait up to 90 days after sales on ecommerce platforms (Amazon, Zulily, app stores, etc.) to get paid They have business customers with extended terms or they want to offer longer payment terms to customers They have slow-paying customers They need working capital to take advantage of emerging business opportunities, like taking on bigger accounts or fulfilling larger orders They need to speed up cash flow to meet operating expenses They want to expedite cash flow to take advantage of supplier or vendor quick-pay discounts They want to reinvest in their business more quickly
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8 Why Choose DB Squared? To do what s best for your business: We don t have factoring minimums you choose when to factor. As our client, you also have the option of invoicing your business customers or delegating the work to us. Many factors require clients to commit to long term contracts not us! We ll earn repeat business and referrals through performance. For the best customer service: We rely on our service and performance to earn us client patronage and referrals. For low factoring fees: Factoring fees as low as 1% For high advances: Get free, same day advances up to 98%. For non-recourse factoring at no additional cost: We assume the credit risk for invoices and statements purchased.
9 For a factoring contract without fine-print surprises: No early termination fees or hidden auto-renewal windows. Some factors charge hefty early termination fees and hide other penalties in autorenewal windows assessing penalties as high as 10% of a client s line of factoring credit, making these fees almost unpayable. Free Same Day Funding For program transparency: No hidden fees to drive up the real cost of factoring No application fees No notification fees No reserve release fees No schedule or invoice processing fees No credit check or due diligence fees None!
10 Comparing Factoring Programs When comparing factoring proposals, remember to look for additional costs and add-on fees not just the introductory or discount rate offered. These fees and charges may seem small but when you do the math you can clearly see that they quickly eat into profits: Long term contracts with stiff penalties and lots of paperwork required to leave or make changes Penalties or rate hikes that apply if monthly minimums aren t met Add-on fees for proposals, quotes, credit checks, due diligence, notification, schedule processing, etc. Introductory rates, fees or other favorable conditions that expire Recourse factoring buy-back stipulations or the assignment of collections or legal fees
11 Here are some questions that can help you choose the best factoring program for your business: What s the fee structure? What are the terms? How long does it take to get set up? How quickly will invoices be funded? Who has control of invoicing? Are there monthly minimums? Will you have to sign a long term contract? How are the credit limits of your customers established? Are there application, due diligence or other set up fees? Are there early-termination penalties or auto-renewal windows? Are there add-on charges for processing schedules? Do you get free customer credit checks? Will you get the additional benefits of non-recourse factoring? Does the factoring company have enough capital to grow as your business grows?
12 Factoring Can Help Your Business If one or more of these describes your business, factoring could be an appropriate way to expedite your organization s cash flow: Cash flow is out of sync with operational needs You re tired of chasing and waiting on customer payments You want to land stronger customers who expect longer payment terms You want capital to take on bigger customer accounts or fulfil larger orders Your company is fairly new and can t qualify for other types of financing You need capital to take advantage of supplier discounts Your business would benefit from expedited cash flow and lower accounting-related costs
13 What You ll Love About Factoring with DB Squared Low factoring fees as low as 1% Free same day funding and high advances up to 98% No monthly minimums; factor only when you choose No long term contracts or hidden penalties Free credit checks on your customers The option to delegate invoicing to us No hidden fees; no application, due diligence, proposal, schedule processing or other hidden fees that increase the real cost of factoring Professional customer service from a dedicated account manager
14 Get the working capital you need to grow your business by working with the trusted leader in invoice factoring: Apply online at Contact us at to apply by phone or get information
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