{"id":26359,"date":"2021-10-05T08:15:50","date_gmt":"2021-10-05T08:15:50","guid":{"rendered":"https:\/\/codeandpepper.com\/?p=26359"},"modified":"2021-10-12T06:57:39","modified_gmt":"2021-10-12T06:57:39","slug":"online-factoring-future-of-invoice-financing","status":"publish","type":"post","link":"https:\/\/codeandpepper.com\/online-factoring-future-of-invoice-financing\/","title":{"rendered":"Online Factoring &#8211; Future of Invoice Financing"},"content":{"rendered":"\n<p>Having stable finances is a principle for all businesses, but what can you do, when your clients are late with their payments too often? Instead of fighting with them and being stressed all the time, you can solve the problem once and for all. <strong>Thanks to invoice factoring services, you can ensure that your invoices are always paid on time.<\/strong> Now, thanks to some smart FinTech solutions, you don\u2019t even have to do much to make it happen. Let\u2019s find out <strong>how online factoring works and which vendors are the best for your business.<\/strong><\/p>\n\n\n\n<!--more-->\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"864\" height=\"450\" src=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/10\/Factoring_Online.jpg\" alt=\"Online factoring services\" class=\"wp-image-26360\" srcset=\"https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/10\/Factoring_Online.jpg 864w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/10\/Factoring_Online-300x156.jpg 300w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/10\/Factoring_Online-768x400.jpg 768w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/10\/Factoring_Online-80x42.jpg 80w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/10\/Factoring_Online-119x62.jpg 119w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/10\/Factoring_Online-361x188.jpg 361w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/10\/Factoring_Online-433x226.jpg 433w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/10\/Factoring_Online-192x100.jpg 192w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/10\/Factoring_Online-720x375.jpg 720w, https:\/\/codeandpepper.com\/wp-content\/uploads\/2021\/10\/Factoring_Online-432x225.jpg 432w\" sizes=\"auto, (max-width: 864px) 100vw, 864px\" \/><\/figure><\/div>\n\n\n\n<p><h4>Table of contents<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"#What is online invoice factoring?\">What is online invoice factoring?<\/a><\/li><li><a href=\"#Reverse factoring\">Reverse factoring<\/a><\/li><li><a href=\"#Benefits of factoring\">Benefits of factoring<\/a><\/li><li><a href=\"#Invoice discounting\">Invoice discounting<\/a><\/li><li><a href=\"#How much invoice factoring costs\">How much invoice factoring costs<\/a><\/li><li><a href=\"#Digital future of online factoring\">Digital future of online factoring<\/a><\/li><\/ul>\n\n\n\n<section id=\"What is online invoice factoring?\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #What is online invoice factoring? {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-back-to-basics-what-online-invoice-factoring-is\">Back to basics &#8211; what online invoice factoring is<\/h2>\n\n\n\n<p>The concept of improving the cashflow by always getting paid on time thanks to a third party that provides a credit controlled service to recover money owed is not new. It has many names, the most commonly used being <em>factoring, accounts receivable factoring <\/em>or <em>debt factoring. <\/em>Invoice factoring companies let you release cash from your unpaid invoices as soon as the due date comes &#8211; always. Let\u2019s review the typical process that takes place here:<\/p>\n\n\n\n<ol class=\"wp-block-list\"><li>You provide services or goods to your clients.<\/li><li>You send them an invoice made payable to your factoring company and you send a copy to the factoring company.<\/li><li>The factoring partner pays the invoice deducted by a small fee (they need to make money too.)<\/li><li>The client pays to the factoring company.<\/li><\/ol>\n\n\n\n<p>Now, <strong>what is online factoring?<\/strong> Well, essentially the same thing, but realised through an online platform or even automatically, thanks to a smart <a href=\"https:\/\/codeandpepper.com\/services\/api-development\/\">API integration<\/a> with the accounting system in a company.<\/p>\n\n\n\n<section id=\"Reverse factoring\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #Reverse factoring {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-reverse-factoring-a-better-option-for-smes\">Reverse factoring &#8211; a better option for SMEs<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.accountingtools.com\/articles\/what-is-reverse-factoring.html\" rel=\"nofollow\">Reverse factoring<\/a> lets sellers and service providers sell their receivables relating to a particular buyer to a bank at a discount as soon as they are approved by the buyer. Then, the buyer pays at the normal invoice\/draft due date, however the seller receives the payment earlier. The bank relies on the credit score of the buyer in this case, which makes it a more beneficial variant for SMEs.<\/p>\n\n\n\n<section id=\"Benefits of factoring\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #Benefits of factoring {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-many-benefits-of-factoring\">Many benefits of factoring<\/h2>\n\n\n\n<p>There is much more to factoring than just good cash flow. <strong>The main benefit is quite obvious &#8211; 100% protection against the buyer&#8217;s inability to pay<\/strong>. But besides it, <strong>factoring gives you enormous financial flexibility and grants a better credit score<\/strong> (because factoring is not a loan). With cash in hand, you are less likely to need credit, though and you can capitalise on new opportunities, as well as focus on new sales and marketing initiatives. You are also less likely to have a negative balance sheet, so you can pay your bills and invoices on time. As a bonus, many factoring companies offer inexpensive services such as bookkeeping to their clients.<br>One interesting feat of using factoring is that you don\u2019t need to hurry your clients to pay, so you can maintain a healthy relationship with them. After all, they may struggle financially or have a bad year, too.<\/p>\n\n\n\n<section id=\"Invoice discounting\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #Invoice discounting {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-invoice-discounting-an-alternative-to-factoring\">Invoice discounting &#8211; an alternative to factoring<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.realbusinessrescue.co.uk\/invoice-finance\/what-is-invoice-discounting-is-it-the-right-finance-facility-for-my-business\" rel=\"nofollow\">Invoice discounting<\/a> seems to be similar to factoring and that\u2019s true. However, there are some notable differences between these services and in some cases it\u2019s better to use discounting. First of all, it\u2019s a loan based service, so it affects your credit rating. Also, it doesn\u2019t protect against fraudulent buyers in 100%, because the money lent must be repaid. Generally speaking, invoice discounting is a riskier proposition for lenders than factoring. As a result, invoice discounting is mostly used by big companies with a steady and reliable customer base. Conversely, this is not a good form of financing for low-margin businesses, since the interest on the debt may eliminate any prospect of earning a profit.<\/p>\n\n\n\n<section id=\"How much invoice factoring costs\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #How much invoice factoring costs {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\">How much invoice factoring costs<\/h2>\n\n\n\n<p>Obviously, factoring is not a service that comes for free. It may not be expensive, however be wary that there are four main <a href=\"https:\/\/www.factorfinders.com\/cost-of-factoring\" rel=\"nofollow\">factors that affect the price<\/a>.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Factoring Cost &#8211; they generally comprise the base interest rate plus the percentage set by the lender, usually 2-3%.<\/li><li>Administration Fees &#8211; optional, but companies charge an additional administration fee.<\/li><li>Termination Fees &#8211; apply when you want to end your partnership with the factore before the contract\u2019s due date.<\/li><li>Credit <a href=\"https:\/\/codeandpepper.com\/services\/insurance-insurtech-software-development\/\">Insurance <\/a>&#8211; also optional, but often required, when the invoice comes from a very unreliable customer.<\/li><\/ul>\n\n\n\n<section id=\"Digital future of online factoring\" class=\"hidden-block\"><\/section>\n\n<style type=\"text\/css\">\n  #Digital future of online factoring {\n    visibility: hidden !important;\n  }\n<\/style>\n\n\n\n<h2 class=\"wp-block-heading\">Digital future of online factoring<\/h2>\n\n\n\n<p>While the core concept of factoring is ancient, nowadays we all operate online. The latest innovation in factoring and, in fact, <em>the factor<\/em> that changes the game are <a href=\"https:\/\/codeandpepper.com\/services\/cloud-computing-software-development-and-consulting\/\">cloud-based technologies<\/a>. But, besides benefits for the service users, such as simple and reliable integrations with ERP systems, the innovations change the way factoring services providers operate.&nbsp;<\/p>\n\n\n\n<p>First of all, cloud based factoring software lets them scale dynamically and adjust their organisations for the changing work loads, which is very important in these turbulent times. Secondly, introducing new services and variants is much easier done in systems that are easily upgradable, so time-to-market time can be minimised. Basically, all of the benefits of modern <a href=\"https:\/\/codeandpepper.com\/infrastructure-as-code-deploying-web-applications-on-aws-cloudformation\/\">cloud computing<\/a>.&nbsp;<\/p>\n\n\n\n<p>See you soon, when we compare the most popular online factoring companies in the UK!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Having stable finances is a principle for all businesses, but what can you do, when your clients are late with their payments too often? Instead of fighting with them and being stressed all the time, you can solve the problem once and for all. Thanks to invoice factoring services, you can ensure that your invoices<a class=\"moretag\" href=\"https:\/\/codeandpepper.com\/online-factoring-future-of-invoice-financing\/\"> Read the full article&#8230;<\/a><\/p>\n","protected":false},"author":20414,"featured_media":26360,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1688],"tags":[1603,1652],"class_list":["post-26359","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fintech-business","tag-business-management","tag-fintech-trends"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Online Factoring - Future of Invoice Financing | Code &amp; Pepper<\/title>\n<meta name=\"description\" content=\"Having stable finances is a principle for all businesses, but what can you do, when your clients are late with their payments too often?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/codeandpepper.com\/online-factoring-future-of-invoice-financing\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Online Factoring - Future of Invoice Financing | Code &amp; 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