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They Grinned When the Banker Spoke to Me in French - Our Freight Factoring Company Can Provide
Your Trucking Company The Money You Want

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Small freight brokerage companies, particularly those who have not been around for very long, will frequently discover it hard to secure a loan. Banks are typically hesitant to provide money to businesses that do not have a great deal of income and properties. They likewise want proof of the viability of a company and hence require that the majority of operations, particularly little ones, been around for a particular amount of time prior to they are ready to hand over any money. Due to the fact that of this, a medium-size company frequently has a couple of cash generating options when needs arise. One option offered, however frequently ignored, is receivable Financing. This is an exceptional way for a small business to obtain cash.

 

 

 

 

 

 

 

Do Your Receivables Turn as Quickly as You Would Like - Choose A Freight�Factoring Company  Instead Of A Typical Bank Funding

Exactly how to Enhance Money Flow Without Borrowing -Cash Money flow is one of the primary reasons companies fail.

At one time or another, every business, even effective ones, have experienced bad money flow.

Cash flow does not have to be an issue any ever more. Do not be deceived -- banks are not the only locations you can get financing. Other solutions are offered and you do not have to borrow money. Exactly what is trucking factoring ? One solution is called trucking factoring. Truck Factoring is the process of selling invoices to an investor instead of waiting to gather the cash from the client. Oh, the Irony- Trucking factoring has a paradoxical distinction: It is the financial backbone of many of America's most effective businesses. Why is this paradoxical ? Since staffing factoring is not instructed in business colleges, is seldom mentioned in business strategies and is fairly unidentified to the majority of most of American business individuals.

Yet it is a monetary process that frees billions of dollars every year, enabling countless businesses to grow and succeed. Receivable Financing has actually been around for thousands of years. Receivable Loan Financing Companies are investors who pay money for the right to get the future payments on your invoices. An overdue receivable or invoice has value. It is a debt your customer has actually agreed pay in the near future. Factoring Principals--Although factoring deals exclusively with business-to-business transactions, a big portion of the retail company uses a factoring principal. MasterCard, Visa, and American Express all utilize a form of factoring in their retail transactions. Utilizing the purest meaning of the word, these big customer finance companies are truly just big Receivable Financing Businesses of customer paper. Consider it: You make a purchase at Sears and charge it to your MasterCard. The store makes money practically instantly, even though you do not pay up until you are ready.

For this service, the charge card company charges XYZ Store a charge (typical common normal charges vary from two to four percent of the sale). The Advantages Receivable Loan Funding can offer numerous advantages to cash-hungry companies. Instead of waiting 30, 60, 90 days or longer for payment on an item that has actually currently been provided, a company can factor (sell) its receivables for cash at a small price cut off the amount of the invoice. Payroll, marketing efforts, and working capital are just a few of the company requirements that can be met with instant  money.

Factoring provides the means for a producer to replenish inventory and make more items to sell: There is no longer a requirement to await for earlier sales to be paid. Receivable Loan Financing is not just a money management device for manufacturers: Practically any kind company can benefit from Receivable Financing. Generally, a company that extends credit will have 10 to 20 percent of its yearly sales tied up in invoices at any given time. Think for a minute about how much is bound in 60 days' worth of invoices: You can not pay the power bill or today s payroll with a customer s invoice, but you can sell that invoice for the money to meet those responsibilities. Using truck factoring companies is a fast and easy process. The factoring company buys the invoice at a discount, usually a couple of percentage points less than the face value of the invoice.

 

 

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"

Portland is the largest city in the state of Maine and the county seat of Cumberland County. In 2013, the city proper had a population of 66,318, growing 3 percent since the census of 2000, while the urban area had a population of 203,914. The Greater Portland metropolitan area is home to over half a million people, more than one-third of Maine's total population.Tourists visit Portland's historic Old Port district along Portland Harbor, at the mouth of the Fore River and part of Casco Bay, and the Arts District, which runs along Congress Street in the center of the city. Portland Head Light is located in nearby Cape Elizabeth and marks the entrance to Portland Harbor.The city seal depicts a phoenix rising from ashes, which aligns with the city's motto, Resurgam, Latin for ""I will rise again."" The motto refers to Portland's recoveries from four devastating fires. The city of Portland, Oregon, was named for Portland, Maine.Portland Public Schools is the largest school system in Maine, serving more than 7,000 students. With about 230 restaurants, Portland is believed to have the most restaurants per capita of any city in the United States. Aerial view of Portland Deering Oaks Park with fountain and castle pavilion is located at the point where Interstate 295 meets State Street, Park Avenue, and Deering Avenue.Portland has become Maine's economic capital because the city has Maine's largest port, largest population, and is close to Boston (115 miles to the south). Over the years, the local economy has shifted from fishing, manufacturing and agriculture towards a more service-based economy. Most national financial services organizations such as , and Bank base their Maine operations in Portland. Corp, and Telephone have headquarters here, and Portland's neighboring cities of South Portland, Westbrook and Scarborough, provide homes for other corporations. Since 1867, Co., maker of Beans, has had its main plant in Portland. The plant is considered a local and state landmark.

 

Lewiston is a city in Androscoggin County in Maine, and the second-largest city in the state. The population was 36,592 at the 2010 census. It is one of two principal cities of and included within the Lewiston-Auburn, Maine metropolitan New England city and town area and the Lewiston-Auburn, Maine Metropolitan Statistical Area, which as of 2006 census estimates has a combined population of 107,702. It is also part of the extended Portland-Lewiston-South Portland, Maine combined statistical area, which has a combined population 621,219 as of 2006 estimates.A former industrial center, it is located in south-central Maine, at the falls of the Androscoggin River, across from Auburn. Lewiston and Auburn are often considered a single entity and referred to as Lewiston�Auburn, colloquially abbreviated as L-A or L/A. They have a combined population of 59,647 people. Together, Lewiston-Auburn is somewhat smaller than Maine's largest city, Portland (excluding its own suburbs). Lewiston is home to Bates College, the Basilica of Saints Peter and Paul, the University of Southern Maine's Lewiston-Auburn College, and two significant regional general hospitals: Central Maine Medical Center and Saint Mary's Regional Medical Center.Main St. in Lewiston is US-Route 202, ME-Route 11, and ME-Route 100.

 

Bangor (/'be??g?r/ BAYNG-gor, locally: ['b????g???][]) is a city in and the county seat of Penobscot County in the U.S. state of Maine, and the major commercial and cultural center for eastern and northern Maine. The population of the city was 33,039 at the 2010 United States Census. Bangor is the principal city of the Bangor Metropolitan Statistical Area, which has a population of 153,923, and encompasses all of Penobscot County.As of 2008, Bangor is the third most populous city in Maine, as it has been for more than a century. Bangor is the largest market town, distribution center, transportation hub, and media center in a five-county area whose population tops 330,000 and which includes Penobscot, Piscataquis, Hancock, Aroostook, and Washington counties.Bangor is about thirty miles from Penobscot Bay up the Penobscot River at its couence with the Kenduskeag Stream. It is connected by bridge to the neighboring city of Brewer. Its immediate suburban towns are Orono (home of the University of Maine campus), Hampden, Hermon, Old Town, Glenburn, and Veazie.

 

South Portland is a city in Cumberland County, Maine, America, and is the fourth-largest city in the state, incorporated in 1898. As of the 2010 census, the city population was 25,002. Known for its working waterfront, South Portland is situated on Portland Harbor and overlooks the skyline of Portland and the islands of Casco Bay. Due to South Portland's close proximity to air, marine, rail, and highway transportation options, the city has become a center for retail and industry in the region.Despite the name, South Portland was never part of the city of Portland, having broken away from Cape Elizabeth in 1895.South Portland is a principal city of the Portland � South Portland � Bidde metropolitan area.While the city is considered suburban, it also has a diverse economy, as evidenced by its working waterfront and large retail center.

 

Auburn is a city in and the county seat of Androscoggin County, Maine, United States. The population was 23,055 at the 2010 census. It is one of two principal cities of and included in the Lewiston-Auburn, Maine metropolitan New England city and town area and the Lewiston-Auburn, Maine Metropolitan Statistical Area (which is part of the Portland-Lewiston-South Portland, Maine combined statistical area). Auburn and Lewiston (directly across the Androscoggin River) are known as the Twin Cities or Lewiston-Auburn (L-A).

 

Bidde is a city in York County, Maine, United States. It is the largest city in the county, and is the sixth-largest in the state. It is the principal commercial center of York County. The population was 21,277 at the 2010 census. Twin city of Saco, Bidde includes the resort community of Bidde Pool, Fortunes Rocks and Granite Point. The town is home to the University of New England and the annual La Kermesse Franco-Americaine Festival. First visited by Europeans in 1616, it is the site of one of the earliest European settlements in the United States.Bidde is a principal population center of the Portland-South Portland-Bidde metropolitan statistical area.Bidde is one of Maine's fastest-growing commercial centers, due to its close proximity to the Seacoast Region of New Hampshire and to northern Massachusetts. In recent years, strip malls have developed along the State Route 111 corridor. In late 2006, a 500,000-square-foot (46,000 m2) shopping center known as The Shops at Bidde Crossing opened, with 20 stores and five restaurants.

 

San is a city in York County, Maine, United States. The population was 20,798 in the 2010 census, making it the seventh largest municipality in the state. Situated on the Mousam River, San includes the village of Springvale. The city features many lakes in wooded areas which attract campers.San is part of the Portland�South Portland�Bidde, Maine metropolitan statistical area.On November 6, 2012, San voters approved a new charter to re-incorporate San as a city and replace the town meeting format with a city council/mayor/strong manager form of government, along with other changes. The new charter took effect on January 1, 2013. San's new charter provides that the first mayor would be appointed from the ranks of San's seven city councilors and serve interim for one year period. On January 8, 2013, Maura A. Herlihy was appointed as San's first mayor.In 2014, an elected-at-large mayor would take office and serve a three-year initial first term. On November 5, 2013, Thomas Cote was elected as mayor.Beginning in 2016, the mayoral position will be elected at-large every two years during legislative election cycles.

 

Augusta is the capital of the U.S. state of Maine and the county seat of Kennebec County,The city's population was 19,136 at the 2010 census, making it the third-smallest state capital (after Montpelier, Vermont and Pierre, South Dakota) and the eighth-largest city in Maine. Located on the Kennebec River at the head of tide, Augusta is home to the University of Maine at Augusta.

 

Saco (pronounced SOCK-oh) is a city in York County, Maine, United States. The population was 18,482 at the 2010 census. It is home to Ferry Beach State Park, Funtown Splashtown USA, Thornton Academy, as well as Armament Systems (also known by its former name, Saco Defense), a subsidiary of the defense contractor . Saco sees much tourism during summer months, due to its amusement parks, Ferry Beach State Park, and proximity to Old Orchard Beach.Saco is part of the Portland�South Portland�Bidde, Maine metropolitan statistical area. Saco's twin-city is Bidde.

 

Westbrook is a city in Cumberland County, Maine, United States and a suburb of Portland. The population was 17,494 at the 2010 census. It is part of the Portland�South Portland�Bidde, Maine metropolitan statistical area.Now primarily a suburb of the larger city of Portland, Westbrook itself has a growing business base and developing core downtown district. Laboratories, Inc., a multi-national corporation, is headquartered in Westbrook.[13] In addition to the downt own area, many of the city's businesses are located within two industrial parks (the Col. Westbrook Industrial Park and Five Star Industrial Park), as well as in the area surrounding Maine Turnpike Exit 48.

 

Waterville is a city in Kennebec County in the U.S. state of Maine, United States, on the west bank of the Kennebec River. The population was 15,722 at the 2010 census. Waterville is home to Colby College and Thomas College.

 

Presque Isle /pr?sk a?l/ is the commercial center and largest city in Aroostook County, Maine, United States. The population was 9,692 at the 2010 census. The city is home to the University of Maine at Presque Isle, Northern Maine Community College, Northern Maine Fairgrounds, The Aroostook Centre Mall, and the Northern Maine Regional Airport.Presque Isle is the headquarters of the federally recognized tribe, the Aroostook Band of Micmac.Due to being Aroostook County's largest city, Presque Isle is the retail center for a large number of both American and Canadian towns. The Aroostook Centre Mall became a major shopping center for residents during the 1990s. A Super center also attracts a large number of shoppers. Agriculture remains a top industry of Presque Isle and the surrounding area, with potatoes being the top crop. During the winter months many local businesses rely on the snowmobiling industry as there is a highly regarded trail system connecting far away towns and cities with Presque Isle. Presque Isle is also home to a significant industrial park near the Northern Maine Regional Airport.

 

Brewer is a city in Penobscot County, Maine, United States. It is part of the Bangor, Maine Metropolitan Statistical Area. The city is named after its first settler, Colonel John Brewer. The population was 9,482 at the 2010 census.Brewer is the sister city of Bangor. The two are at the head of navigation on opposite sides of the Penobscot River estuary and are connected by three bridges. Brewer and Bangor were originally both part of Condeskeag Plantation, though the Brewer part was also called ""New Worcester"" after John Brewer's birthplace. In 1788 Orrington, Maine was incorporated with Brewer/New Worcester as its major village. The other half of Condeskeag incorporated in 1791 as Bangor. Finally, in 1812 Brewer broke away from Orrington and incorporated as a separate town.

 

Bath is a city in Sagadahoc County, Maine, in the United States. The population was 8,514 at the 2010 census. It is the county seat of Sagadahoc County. Bath is a port of entry with a good harbor formed by the Kennebec River estuary. The city is popular with tourists, many drawn by its 19th-century architecture. It is home to the Bath Iron Works and Heritage Days Festival, held annually on the Fourth of July weekend.Bath is part of the Portland-South Portland-Bidde, Maine metropolitan statistical area.

 

Caribou is the second largest city in Aroostook County, Maine, United States. Its population was 8,189 at the 2010 census.In Caribou and throughout Aroostook County, the two major agricultural crops are the potato and broccoli. Area farmers annually plant approximately 60,000 acres (240 km2) of potatoes. The chief varieties are Russet Burbank, Superior, Shepody and Atlantic. Aroostook County is renowned for its round white potatoes. The potato crop is used for seed, table stock, and processed potato products. Aroostook County is the largest grower of broccoli on the East Coast.

 

Old Town is a city in Penobscot County, Maine, United States. The population was 7,840 at the 2010 census. The city's developed area is chiefly located on relatively large Marsh Island, though its boundaries extend beyond that. The island is surrounded and defined by the Penobscot River to the east, and the Stillwater River to the west.

 

Ellsworth is a city in and the county seat of Hancock County, Maine, United States. The 2010 Census determined it had a population of 7,741. Ellsworth was Maine's fastest growing city from 2000�2010 with a growth rate of nearly 20 percent. With historic buildings and other points of interest, Ellsworth is popular with tourists.[]

 

Rockland is a city in Knox County, Maine, in the United States. As of the 2010 census, the city population was 7,297. It is the county seat of Knox County. The city is a popular tourist destination. It is a departure point for the Maine State Ferry Service to the islands of Penobscot Bay: Vinalhaven, North Haven and Matinicus.

 

Belfast is a city in Waldo County, Maine, in the United States. As of the 2010 census, the city population was 6,668. Located at the mouth of the Passagassawakeag River estuary on Penobscot Bay, Belfast is the county seat of Waldo County. The seaport has a wealth of antique architecture in several historic districts, and remains popular with tourists.

 

Gardiner is a city in Kennebec County, Maine, United States. The population was 5,800 at the 2010 census. Popular with tourists, Gardiner is noted for its culture and old architecture. Gardiner is included in the Augusta, Maine micropolitan New England City and Town Area.

 

Calais i/'k�l?s/ is a city in Washington County, Maine, United States. As of the 2010 census, it had a population of 3,123. The city has three United States border crossings (also known as a Port of entry) over the St. Croix River bordering St. Stephen, New Brunswick, Canada. Calais has historically been a city of commerce and is recognized as the primary shopping center of eastern Washington County and of Charlotte County, New Brunswick. Currently retail, service, and construction businesses are the primary components of the Calais economy.

 

Hallowell is a city in Kennebec County, Maine, United States. The population was 2,381 at the 2010 census. Popular with tourists, Hallowell is noted for its culture and old architecture. Hallowell is included in the Augusta, Maine micropolitan New England City and Town Area.

 

Eastport is a small city (consisting entirely of islands) in Washington County, Maine, United States. The population was 1,331 at the 2010 census. The principal island is Moose Island, which is connected to the mainland by causeway. Eastport is the easternmost city in the United States (although the nearby town of Lubec is the easternmost municipality).

 

"

 

Maine

 

Maine Cities

 

The United states Transportation Association
mentions that there around
205,000 employees with truck
companies and
250,000 private companies trucking
firms certified to
run in the United States that transported,
according to their most current listings of millions of
items, materials and
basic products .
There are several common
providers either going solo or in
teams on our nation
highways transferring these
crucial products to our
stores, manufacturing facilities and shipping ports.

And truck factoring
businesses service
countless of them and offer their
receivable loan facilities
countrywidecounting
including the following states.

: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho State, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming

 

The Bureau of Economic Analysis estimates that Maine's total gross state product for 2010 was $52 billion. Maine's agricultural outputs include poultry, eggs, dairy products, cattle, wild blueberries, apples, maple syrup and maple sugar. Aroostook County is known for its potato crops. Commercial fishing, once a mainstay of the state's economy, maintains a presence, particularly lobstering and groundfishing. Western Maine aquifers and springs are a major source of bottled water. Maine's industrial outputs consist chiefly of paper, lumber and wood products, electronic equipment, leather products, food products, textiles, and bio-technology. Naval shipbuilding and construction remain key as well, with Bath Iron Works in Bath and Portsmouth Naval Shipyard in Kittery. Naval Air Station Brunswick is also in Maine, and formerly served as a large support base for the U.S. Navy. Maine is the number one exporter of blueberries. Tourism and outdoor recreation play a major and increasingly important role in Maine's economy. The state is a popular destination for sport hunting (particularly deer, moose and bear), sport fishing, snowmobiling, skiing, boating, camping and hiking, among other activities.

 

 

 

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Receivable loan company Calculator
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EveryJob is a free service dedicated to helping professional truck drivers find new truck driving jobs with the best trucking companies hiring today!

Locate truck driving jobs by city, state, position andenefits offered. Search current driving jobs and fill out the EZ truck driver application customized for cdl trucking jobs

 

The largest trucking companies in the U.S. set a revenue record in 2013, but revenuegrowth slowed for the second year in a row.

The combined revenue of the 50 largest motor carriers rose to $106.6 billion last year, according to The Top 50 Trucking Companies list, based on data prepared by Consulting Group in Pittsburgh.

 

Searching for the right trucking companies to move your freight can be tough, with the large amount of local, regional, and national truck carriers out there. Center helps make freight shipping simple, finding you the safest, reliable trucking companies every time you ship. Trucking companies are licensed and insured to carry freight safely and efficiently across the country, no matter the size or type of freight you need to ship.Plus, with the high volume of freight we move, we will work to get you the best freight rates possible. Simply enter in a few details below and you�ll see instant freight rates from all the top trucking companies in one easy screen

 

Life of a Truck driver, like many other professionals can be very challenging, rewarding, and frustrating at the same time. �The com� is an information site for many of the Truckers needs. It is designed to encompass the needs of the Trucker, both on the Road and at Home.

List of Trucking Companies for Owner/Operators and Company Drivers

 

EveryJob is a free service dedicated to helping professional truck drivers find new truck driving jobs with the best trucking companies hiring today!

Locate truck driving jobs by city, state, position andenefits offered. Search current driving jobs and fill out the EZ truck driver application customized for cdl trucking jobs

 

Life of a Truck driver, like many other professionals can be very challenging, rewarding, and frustrating at the same time. �The com� is an information site for many of the Truckers needs. It is designed to encompass the needs of the Trucker, both on the Road and at Home.

List of Trucking Companies for Owner/Operators and Company Drivers

 

 

"

Simmons Truck and Haul has been in business since the mid 1980s. For more than twenty years they've been delivering goods for most major industries in the nation, with business booming as they traversed the country, in all kinds of weather, for all kinds of clients. During the boom times from 2002 to 2007 Simmons Truck & Haul was the mastermind of a top-rated accounts receivable in the trucking industry. Few customers were ever late on bills and those clients who were, were sure to turn in their late payments within a reasonable amount of time. Times were great for everyone, and the cash was flowing.But a short year later, in the fall of 2008, when the United States economy took a nosedive and businesses both small and large began to feel the pinch on their pocketbooks, those that used to make their demands had suddenly and largely gone silent. Business slowed to a crawl

 

. Worse still, it was noticed by Simmons in early 2008 that even though most of their loyal customers were on time with their payments, there were a few late bloomers who were starting to spread the disease. And as spring turmed to summer and summer into the early days of fall, Shawn Watkins, CEO of Simmons felt a chill go down his spine whenever he would look at the weekly A/R reports. The number of clients who were late in their payments was continuing to grow.He had gone to his administrators and asked them what the problem had been. Were they doing things different, or wrong, when it came to collecting overdue accounts? When checking his bookkeeper's records this was definitely not the case. He thought perhaps that he was losing clients to a competitor who offered rock-bottom prices with little to no guarantee of quality performance, and that the folks who owed Simmons money had jumped ship and decided to leave him holding the bag.

 

. They could not afford to pay him their debt, but they could afford a lesser service, maybe. But after doing the cursory research for this and talking to friends in the field, he found that alas, no, customers of Simmons hadn't gone elsewhere. The had just gone!.To Shawn Watkins the situation looked desperate. He had employees to pay, goods to ship, trucks to maintain and overhead that was almost unbearable when compared against the lack of funds that were coming in. In the evenings he would discuss his concerns with his wife, Tina, and still find no relief from the worry and frustration.

 

""I have a bad feeling, Lin,"" he'd sadly say to his wife.""Well, what do you think it is?"" she would ask.Shawn would stare off for a moment and then close eyes. He could see the fleet of trucks he had purchased over the years. He could see them traveling, bringing goods to all of his clients. But somewhere, a haze would form over his fleet and the vast number of vehicles would disappear to but a few. What could cause this ultimate death spiral of business?""I know what it is,"" said Shawn. ""I've relied too long on the profits I receive from invoices alone. For too long I've been allowing our clients to let their accounts become overdue."" Linda could only grab her husband's hand and look at him lovingly, ""it is a hard economy. It might be awhile until things get settled up.

 

""Shawn knew his wife meant well, but he knew that he was responsible for too many people to sit idly by, waiting for the sun to peak over the clouds.The next day Shawn strolled into his office and was determined to sit down and make every phone call to every client who had owed Simmons money. Now, it wasn't the most efficient way to spend a day as a chief executive, what he really needed to be doing was to be overseeing all of the other intricacies of shipment and delivery and reaching out to prospective clients or retraining his sales team to do the same. Even though he was doing something to help his company, he knew he had folks on salary to do just this thing. A waste of time - a waste of money - he had the best intentions, but all the while Shawn was realising just how much trouble he was in.After a half day of contacting debtors in vain - they dodged his calls or promised to call back at worst or made minimal interest-only payments at best - he was about to throw in the towel when his secretary Kayerley knocked at his door.

 

""Can I have a word with you Shawn?"" she queried, standing in the doorway.

 

""Sure thing Kay, come on in."" Shawn leaned back in his chair and looked expectantly at Kayerely.""Well Shawn, this afternoon I did some research, trying to work out how we are going to get out of this mess."" She pulled a small stack of papers from a folder and set them on the desk before him.""Have you ever heard the word factoring?"" Kayerley asked.""It does sound vaguely familiar. What is it?"" he said.""Well,"" she began, ""It�s actually quite simple really.

 

So basically, factoring invoices would enable us to get paid on the nose for loads that we haul.""Immediately?"" Shawn interrupted.""Immediately, yes"" she added, ""In a nutshell, it is pretty easy. We start by having a professional account manager review our figures and help us set up a company profile. That profile will also include investigating our accounts receivable aging reports, our existing customer credit limits and so on. Additionally, the factoring will help to determine the creditworthiness of our customers independent of their credit history with our business. It provides a very broad view.""I see,� Shawn said. �And then what?""Well, after their review, and we�re approved for a factoring contract, we can negotiate terms and conditions. You'll be surprised at the amount of flexibility, all dependent upon the credit histories and business volume.

 

The company will advise us the cost to purchase factoring for our company's accounts receivable. Once we arrive at a mutual agreement, the funding begins.�Leaning forward, Shawn studied the documents very closely.""It sounds too good to be true, Kay,"" he said.""Yes, I know; that's exactly what I thought at the beginning. But think about it, Shawn: they've guaranteed that experts will do all the paperwork, and that will free us up to do what we should be doing - focusing on our customers in good standing, and that kind of stuff. They appear to be very flexible, Shawn,"" she underlined a paragraph on the paper before him.""How flexible?"" he asked.""They personalize the factoring rates so that the amount they are willing to take on is commensurate with our needs and our client�s debt. Apparently they can figure this all out in two to four days.

 

""That sounds pretty good, seeing as we tapped ourselves out with bank loans last year to repair the fleet and money sure is tight. We need to keep business rolling as normal and every day we�re going unpaid, we�re closer to facing some serious problems in both the short and long term,"" said Shawn.He took a deep breath and looked at his secretary with something she recognized as hope.""Precisely�. This could be the answer to our prayers: it will solve many problems we are facing due to these unpaid debts.""Shawn took a moment to think about this solution, and agreed with his secretary. The clients who owed them money were long standing friends and professional resources of Simmons. Just because they were experiencing difficulties paying their own bills now, Shawn was very concerned about losing these relationships. Shawn knew that the economy had taken a hit and he knew that it would probably be a long time before things started to look up again. That unknown amount of time could create a disaster situation for both of them if he wasn't careful in how these debtors were handled. He did not want to lose business but he also did not want to lose any more money.""Let me go over this tonight Kay, and thankyou."" Kay nodded, satisfied with her work, and she left the office feeling quite content in the knowledge that she had helped Shawn keep the shirt on his back, and possibly hers too.Shawn stayed at his desk for a long time, looking over the details they hadn't discussed during their meeting. What other issues could freight factoring help Simmons with? With his pencil gliding down the sheet he noticed that the factoring company could help fray the cost of fuel with fuel discount cards and fuel advances. In fact, Simmons could receive up to fifty-percent cash advances upon load pick-ups. As a man who hated binding contracts with no room to breathe, he was pleased to see that this factoring company would not make him sign a long term contract, would not make him pay any sign up fees and there was no minimum volume required.""Well, I'll have to tell Jim about this,"" Shawn muttered to himself.Jim is Shawn's son-in-law, and he really admired the ideas behind Simmons, so much so that only two years before he had started his own transportation service business. Shawn knew then what struggles Jim would face but he encouraged him nonetheless. With the faltering economy, if a big fish like Simmons was hurting, a little guy like Jim was about to catch his death. Perhaps the antidote to these problems was in freight factoring, and they were about to find out.A few short months later, after completing the application process, having the legal experts review his credit history, accounts receivable, and statements, finally Shawn was beginning to find his way out of the hole his debtors had created for him.They took on reasonable factoring purchase contracts and stopped spending their precious man hours scrambling to collect debt. They took that time and refocused effort to offering competitive prices in new territories. Shawn looked back on the dismal months of life before freight factoring and almost shuddered at the thought. He probably wouldn't be in business today had he not learned just in time about freight factoring.

 

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The Future of a Trucking Company, and Factoring The phone was ringing on his desk, and Ronnie Stone just sat there letting it ring. He let his morning coffee cool and left his cigarette to ash itself in the tray, because he is trying to make the biggest decision ever for his trucking company. Stone Trucking Company was at a turning point of growth and Ronnie had to decide if signing with a factoring company was the right way forward.

 

More than forty years ago Ronnie's father had started this business working as an owner-operator and eventually growing Stone Trucking Company into a fifteen trailer fleet. There had been some hard times when it seemed everything was going to go under and even Ronnie�s mother strapped herself into a cab to make hauls. His father had worked long enough to see the price of hires drop dramatically during the recession and to see the explosion of fuel prices afterwards. Now the company was solely in Ronnie�s hands and he wanted to live to see it in better shape for his sons.

 

There just never seemed to be enough money to go around, and certainly no spare cash, but to move his company successfully into the future he needed a steady and reliable cash flow. He had employees to pay. They had families and household bills too. Some of the refrigerated trailers were in need of repairs and he felt to stay competitive it was also a good idea to invest in specialized haulers to be ready for the constant requests he was getting for loads of new energy and agriculture equipment. He knew that turning down these requests made Stone Trucking look inefficient and weak in what was currently a strong market.

 

He knew what his father would have said - 'wait, take your time before adding new technology'. Ronnie allowed himself a good hard chuckle. He remembered when his father was totally against installing GPS units in the cabs. He would say, �Why do you need the voice of some woman to tell you to get off at an exit that has been the same exit that has been there for years?� Also his father had the habit of teasing all the drivers he caught switching into automatic even though driving in automatic was much more efficient though not manly in his father�s eyes. His father days were long gone and technology was actually an important improvement for the business such as having Qualcomm to cut down on fruitless time communicating on the phone for bills of lading.

 

Ronnie believed a successful man is always thinking of his next step. What would be the next step for Stone Trucking? More importantly, how could he afford it? Funding was all tied up in the mortgage for the office and garage and in the fuel bills. He just finished paying off the small bank loan for installing satellite radio in the trucks for the guys.

 

But was factoring the answer? There was a lot he didn�t understand about the process. It sounded a lot like ninth grade algebra which just didn�t feel like it belonged as part of the trucking business. A factoring company actually purchases your invoices and takes control of your accounts receivable, payment being a certain percentage of the amount invoiced. The factoring company gives the trucking business its payment right away which allows the business to have continuous cash flow so it can pay employees, buy fuel, and make repairs for upcoming hauls. Without the assistance of factoring, you have to wait for customers to send you the payment which is often 30 days late. During those thirty days the trucking company cannot pay its employees and bills with invoices.

 

Now it was time for Ronnie to do his homework. He had heard of companies charging for same day money transfers, advancing a percentage of the money owed to your business, while the rest is held in a private account if the bill wasn't paid within sixty or more days. Plus it was worse still if the customer didn�t pay up at all because then the factoring company would take it right out of the money supposed to be coming to you! Through the grapevine, he�d also heard about how some companies suddenly slipped you onto a sliding scale of percentages even if you had already signed a lengthy contract for maybe 3% or 7% so there you are with 10% coming as a cost to you out of the freight bill. His friend Ronnie who had a trucking business in Missouri, was run nearly into the ground by a factoring company that charged him the full freight bill on top of the factoring fees. Well, what was the point of going to a factoring company if there was shady business like that going on?

 

But it turned out to be quite easy. When he called the factoring companies he discovered they were very open about their business practices, and very friendly and helpful. Their customer service actually knew things about their company and spoke in nice clear English so he could understand what was being explained. He was quite happy to sign an exclusive contract. He liked the idea of a long term commitment so he knew he wouldn�t have to bother going back and forth to different companies and wasting time filing more forms. Nobody charged him for credit checks and they offered him a fuel advance on the pick-up of the load. Many companies offered a non-recourse factoring program that suited him just fine. Also he was happy to hear how much he was offered in terms of percentages on the freight bills. It was good money.

 

For Ronnie it was quite a relief to be dealing with the factoring company. They were more personable than those loan managers at the bank. It seemed as though those bank people spoke another language, but these factoring guys knew the trucking business and spoke to him like a client, not like a beggar for a handout. The factoring companies were not interested in his credit nor the financial problems his father had experienced in the past. Factoring was based on the credit of his customers and on their reliability which worked well for Ronnie because he and his father had built up good strong relationships over decades with their list of clients. He knew immediately that there would not be any problems when they were contacted by the factoring company regarding their invoices. His clients wouldn�t think poorly of Stone Trucking and the factoring companies appeared capable of handling the accounts receivable in the same polite manner that his father had used over the years.

 

Feeling happier now, Ronnie stepped out of his office to advise his secretary to expect to receive the contract very shortly from the factoring company. There was a new bounce is his step now: he knew instinctively that this new step would raise the future of his company to a new and higher level, and that all the stress from the past could now be put behind him. With the capabilities of this new cash flow, Ronnie could actually expand Stone Trucking Company further across the country and perhaps even go international into Canada. He was a happy man again knowing that he had just made a decision which would guarantee the success of his business and his sons would not be inheriting a financial mess.

 

 

 

 

 

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Trucking Factoring  Articles

"

�So It is not a loan?� Salvador Reed asked as he leaned back in his chair, crossing his legs. The woman sitting across the desk from Salvador smiled at him, shaking her head.�Not quite,� she said.Salvador Reed owned a small trucking company, and his business had recently fallen on difficult times. Trucking could be a profitable business, and for a little under a decade, it had been for Brandon. His company was called Lane Trucking, named after both of his grandfathers, Keith and Louis. They had both been hardworking men, and had done a lot to make Salvador the same.Disaster had struck half a year ago, when two trucks in Brandon�s fifteen truck fleet went down. One was a roll-over and ended up in the trucking graveyard: the other was involved in a serious and costly accident. The financial security of Brandon's company relied on his full fleet on fifteen being on the road, and missing two trucks was just devastating . In addition, he just did not have the available cash to buy a new truck, plus repair the other one.Paying of bills in the trucking industry is always a major cause for concern for businesses.

 

You could go a month or more before bills were completely paid off. In the long run, this wasn�t an issue, but if problems arose, you could find yourself in trouble.Salvador wasn�t a bad owner, and he hadn�t messed up. Things had happened that he could not have predicted, and he had to figure out a way to keep his business from hurting, or even going under.That�s where the woman across the desk came in. Salvador knew she was employed by a Factoring company and that her name was Vivian. Salvador had come across her company as he sat in his office late one night, pouring over the internet for some solution to his problem long after his employees had gone home.Vivian explained. �It�s not a loan, we purchase your accounts receivable. we are not giving you finance to be repaid later: we are purchasing something from you, and when you can you can buy it back. That way we�re protected from a complete loss, but you�re protected from the outrageous fees you would find in a loan from the bank.Salvador agreed. It sounded good to him, almost too good.The woman laughed. �I'm not sure that you believe me,� she chuckled.�Oh no, I do: it just sounds too good to be true. I actually thought I might end up losing my business.�Vivian smiled, agreeing. �Yes, we get a lot of that. There's no way we want to see you lose your business. You work hard, you�ve put everything you can into it. Sometimes you need help. That's why we do what we do.""Well, I'm very grateful that you came to see me today.""It�s right down the road, usually we do it all online, but I didn�t mind swinging on by today,� said Vivian with a smile. �Let�s see what we can do to help you.�And with that they set about making a profile.

 

Salvador filled the form out, with Vivian available to help him if he needed it. The profile filled Vivian and her company in on Brandon�s company, and would help them determine if he was suitable for factoring. Unfortunately, not all companies are. Some were beyond factoring special brand of help, and sometimes things weren�t even dire enough for it. Listening as Salvador filled out his form, Vivian was pretty sure he was a perfect candidate for factoring.When the form was done Vivian took it and slid it into her briefcase. Standing up, she reached over the desk and shook Brandon's hand. He stood before they shook as well, and then smiled. Salvador walked Vivian to the door where they said 'Goodbye', then he went back into his office.All his staff members were there, all seven who worked in his office. Sitting behind his desk once more he could hear the familiar sounds of his office workers going about their daily business.He shut his eyes. He felt so drained: he had been flailing helplessly for so long, he just knew his business was going to collapse and probably take him with it. Talking to Vivian though, learning about factoring, it felt like a weight had been lifted from his shoulders. He sat back in his chair and ran a hand through his graying but still thick black hair.All those long, sleepless nights. The sudden panic attacks, not matter where he was. He could feel it all fading away. He knew it wasn't over yet and that there was still a way to go, but he could just feel everything start to change for him. He was still here; he knew this was the right path for him, and he felt proud that he had taken the appropriate steps to sort out his problems.Salvador couldn�t help but think back to when he had first started the business. He had opened a restaurant at age twenty two when he was fresh out of school. It had been successful. Offering home cooking in his own hometown, his business had really prospered.But he had gotten bored. He wasn't passionate about the food industry. He thought about it for a long time, then decided it was time to sell his restaurant. He took six months off, and during that time he decided to create Lane Trucking. And that's exactly what he did. For the second time in his short life he created a company from the ground up. He had been successful.And then the trucks went down, and his success looked to be in flux. He was nearing fifty. He didn�t think he had it in him, to save this company. But giving up wasn't part of his personality either.

 

The idea of cutting his losses, shutting down, laying off his workers, it actually made him sick some nights. He didn�t know how to say quit.And now it seemed as though he would not have to - all because of Factoring. Salvador opened his eyes, sat forward, turned his computer on. He had things to do. He could be thankful later, for now, it was time to work.

 

"

 

 

 

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Why Truck Establishments Use Factoring Companies.

 

As the operator of your own firm, you may likely be much more than perceptive already of the challenge in making sure that cash flow matters do not become a dilemma down the line. Anyway, the most unfortunate thing that can in all probability take place for your firm is to find yourself involved in a long and challenging condition that leaves you forever looking for the resources you need on an on-going basis.

 

For any type of business enterprise in this case, the problem can come for waiting for work to clear up and actually be compensated into your balance. Bill of sales, checks, and the like can take a while to actually to beprocessed which can leave you with temporary capital dilemmas. Luckily, there are alternatives out there for businesses to examine-- and one of these is factoring firms.

 

Factoring providers will, in trade for your invoices, give you with the cash now to make sure that you do not need to fret about the delaying time frame that could make paying off the expenses and acquiring materialsmore difficult. With this type of system, invoice factoring can come to be extraordinarily practical for several firms who ought to get out of a cash pitfall which they have gotten themselves in.

 

Given that, relying on the volume of the project, it can take up to 60 days for some establishments to get paid then it is necessary to cover up your own back and not leave yourself cash short to pay the monthly bills. After all, how many firms have two months income just occupying there to handle all their expenditures until they get paid?

 

This is most especially correct of trucking agencies. They tend to handle tons of accounts which means a serious quantity of collection period entails company owner themselves. Attempting to get paid out promptly can come to be an amazing headache and this is precisely why you work with trucking factoring companies who are glad to help out truckers primarily.

 

As all of us recognize, trucking is an remarkably large industry with plenty of organizations out there utilizing hundreds of operators. Regretfully, many of these drivers end up in finances predicaments for the reason that they are still expecting work from six weeks earlier to actually pay them. When this is the circumstance for a truck business, resorting to factoring companies for solutions might be the very best choice left.

 

This means that a truck corporation can pay out the salaries of the personnel, keep all the trucks loaded with gas and continue to scale, thrive and expand without always waiting for the money which is taking too long to come in. Trucking Companies operating without a factoring system used are leaving themselves at considerable hazard, as rivals cash out fast and proceed to broaden.

 

There's absolutely almost nothing to be worried about when it comes to utilizing a Factoring contractor-- they commonly are not like a financial institution or an individual who is going to leave you with a big stockpile of financial obligation to repay. You give them legitimate invoices from work you have already wrapped up , you are only facilitating the repayment system.

 

In the United States, where trucking agencies do well, factoring companies are not considered taking on loan in any capacity. This private agreement then enables both parties to make money and experience a good future-- it gives the factoring agency a warranted asset of revenue to include in the list and it gives the trucking firm the required money that they worked hard to get.

 

The trucking enterprise provides their accounts to the factoring enterprise. The trucking factoring business then collect the payment amounts from the trucking company's clients. Factoring has been in existence for centuries and has been adopted for decades by plenty of various business-- but none more so than truckers. While you could lose out on a small part of the money, something like 1-3 % depending on who you work with, it indicates that you are acquiring the finances today and can actually start off setting the funds to function.

 

Once and for all, an IOU or an invoice is absolutely not going to pay for expenditures, is it? For trucking establishments when the hard earned cash can be good one day and gone the next, it is up to the vehicle drivers to work smartly and to guarantee they are leaving themselves with a substantial quantity of time and money to get through the week up until they are compensated once more.

 

So the next time your trucking company is having some momentary capital issues and you are devoting way too much time chasing sluggish paying clienteles, why not begin taking into consideration employing a factoring companies as a method to get your money and give yourself a more at ease future in the eyes of your trucking workers and your bank difference?

 

 

 

 

 

 

"

Traditional Bank Loans

 

Finance through a bank loan is the normal, or traditional, way of financing your business. These loans can be a life-saver, but they're not always 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.

 

What Are Trucking Factoring Companies?

 

Trucking Factoring companies do not offer loans, and you do not go into debt when you get money from a Trucking Factoring company. The finance you receive from the Trucking Factoring company is determined by money already earned by your business, but not yet received. The Trucking Factoring company purchases your accounts receivable, or part of them, for a certain percentage of their value - this is normally about 80-95%. The amount of finance you can receive will be based on the amount you have earned and the accounts receivable you are prepared to sell. Once you have set up Trucking 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.

 

What Are The Benefits Of A Trucking Factoring Company Versus A Traditional Bank Loan?

 

Not every business can benefit from Trucking Factoring account financing because you have to have a business with accounts receivable, however there are many benefits for those who can access this type of finance.

 

1. There is no debt. You do not incur debt as you do with a bank loan because the Trucking Factoring company actually purchases your accounts receivable. One of the main benefits of this kind of financing is that your business credit rating and your personal credit rating will not be affected. Should the unforeseeable happen and your business fails, you will not 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 Trucking Factoring company instead of a traditional loan is that you are not required to provide collateral to the Trucking 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 Trucking 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 means that it is easier for new businesses to access the finance they need through a Trucking Factoring company, providing their accounts receivable are in good order. A bank may believe you haven't been in business long enough to be able to cover this risk.

 

3. You'll receive the money faster. With a Trucking Factoring company you can actually get the money you need faster. Once the Trucking 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 vast 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. With a bank loan interest continues to build, and this has to be paid the whole time you have a business loan; however with a Trucking Factoring company there is no interest - they take it right off the top by deducting it from the total amount of receivable accounts. So not only are you relieved of those monthly loan payments, but you also do not 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 Trucking 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 main benefit is that once you've sold your accounts receivable to the Trucking Factoring company, you are free from having to collect money owed by your customers. Since these accounts belong to the Trucking Factoring company, this is now their job. Trucking Factoring companies are very good at collecting these debts, saving you the time and effort that you need to devote to your growing company.

 

Another bonus is that, because the Trucking Factoring company has evaluated the quality of your customers' credit before buying the accounts receivable, you learn valuable information regarding your customers, like which ones are likely to pay, and which ones are less likely to pay.While a Trucking 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.

 

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