Does anyone know of any sites/companies that offer Invoice Purchasing/Bill to Invoice?

August 2nd, 2009
Invoice Purchasing
rah_abc asked:


Looking for companies that will sell to another company and offer Invoice purchasing or bill to invoice or have net terms of 10 to 30 days after receipt of merchandise.
Looking for all types of goods/products.

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Posted in Invoice Purchasing | 2 Comments »

Understanding Assets - Make Them Work for You?

August 2nd, 2009
Asset Based Lending
Russell Percival asked:


Definition of an Asset :

An asset can be defined as an item of value that could be converted to cash that is owned by either an individual or a business/corporation.

Current assets include cash and other assets where it is anticipated that they will either be converted to cash, sold, or consumed within a year, or within the operating cycle.

In this article we have concentrated on unravelling the definitions of 4 main categories of assets:

Current Assets:

1. Cash – considered to be a liquid asset and can include currency, deposit accounts and negotiable items such as cheques, bank drafts and money orders.

2. Short-term investments – this category can include securities that have been procured and held temporarily with the intent of a short term turnover to generate income – classified as trading securities.

3. Receivables – usually calculated net of anticipated uncollectible accounts.

4. Inventory - the inventory value reported on the balance sheet is usually whichever is lower of the historical cost or fair market value.

5. Prepaid expenses - expenses paid in cash and recorded as assets before they are used or consumed (e.g. rent, insurance, etc).

Long-Term Investment Assets

Long-Term Investments can be referred to as “investments.” These are investments that are procured and retained for a lengthy period of time and are not intended for quick turn around/disposal. This type of asset usually includes:

1. Securities e.g. bonds, common stock, or long-term notes.

2. Fixed assets not used in operations – e.g. land retained for sale.

3. Special funds e.g. sinking or pension funds.

4. Subsidiaries or affiliated companies.

Some forms of insurance may also be regarded as a long term investment.

Fixed Assets

Fixed Assets - PPE (property, plant, and equipment) or otherwise termed ‘tangible assets’. Fixed assets are where they have been procured with the intent of continued and long-term use within the business. This can include assets such as land, buildings, furniture, tools, machinery, etc. This type of asset is written off against profit over the anticipated life of the item by charging depreciation expenses (except in the case of land). These can also be regarded as capital assets.

Intangible Assets

Intangible assets do not have physical substance and generally are very difficult to evaluate. This can include such items as intellectual property, patents, copyrights, trademarks, trade names, franchises, goodwill, etc.

Do You Want to Use Your ‘ASSETS’ To Grow Your Business?

Some asset loan companies, such as Asset Loan Co are pleased to offer a quick and simple solution for businesses to facilitate their funding needs. This type of financing is used as an alternative to traditional banking options. By accessing an asset loan, businesses are able to capitalise on their growth if they can adequately resource up and utilise their assets as the key. With access to this type of finance solution, businesses are able to be dynamic and drive their business operations which can be their key to profitability and success.

Businesses are ale to use their assets effectively rather than being trapped in a cashflow deficit. Even with quite a buoyant economic climate for businesses, a lack of working capital can be restrictive for business growth and as a result also restrictive for business “success”. By working smarter and using existing assets to fund cashflow, it could then be possible for businesses to be better managed and have the freedom to grow at a much more significant pace than was previously possible.

Asset Loan Co are proud to have been a lifeline to some businesses and are increasingly focusing on helping companies succeed by providing finance to allow working cashflow.

For more information in relation asset based lending and the operations of Asset Loan Co we invite you to visit us at Asset Loan Co. Don’t waste another day of financial hardship for your business and allow yourself the freedom to grow above and beyond your expectations.



Small businesses seeking information on how Hudson Commercial Capital can help during this financial crisis can call 1.212.564-0031 or can visit

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Posted in Asset Based Lending | 1 Comment »

I need Unsecured Business Loans for my Company in Dubai which has been actively Trading for more than 3 years.

August 1st, 2009
Business Loans
Jeff K asked:


My Company is looking for Unsecured Business Loans between 300,000USD and 1 million USD.

We are a Trading Company and have been established in February 2005.

Small businesses seeking information on how Hudson Commercial Capital can help during this financial crisis can call 1.212.564-0031 or can visit

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Posted in Business Loans | 4 Comments »

When factoring how do you know which order to place the numbers in the parenthesis?

July 31st, 2009
factoring
b_crazy_101 asked:


For example, if you are factoring: 2x^2 - x - 6 how do you know if it should be (2x+3)(x-2) or if it the last two numbers should be reversed like (2x-2)(x+3)? Also, how do you know which numbers are positive and which negative, what are the rules of the signs?

Small businesses seeking information on how Hudson Commercial Capital can help during this financial crisis can call 1.212.564-0031 or can visit

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Posted in Factoring Info | 3 Comments »

Purchase Order Financing Basics

July 28th, 2009
Invoice Purchasing
Marco Terry asked:


Let’s say that your business suddenly gets a big order from your best client. However, it is an order that is clearly too big for you. What would you do? If your business has a good banking relationship perhaps you may be able to tap into a line of credit or a bank loan. But what happens if your business is small or new and you have no banking relationship? Do you turn the customer away? Fortunately, you don’t have to. Purchase order (PO) financing may be able to help you secure the sale and deliver the order.

What can purchase order funding do for you?

Purchase order funding is a tool that allows you to finance your big orders. It provides the necessary funding to fulfill orders that otherwise you could not afford to deliver. When used correctly, it can enable you to grow your company quickly

As opposed to bank financing, purchase order funding does not rely on your company’s financial strength. Rather, it relies on the financial strength of your customers. This means that if you sell products to large companies or to government entities, purchase order funding can be the ideal option to finance those sales.

Who is a good candidate for purchase order financing?

To qualify for purchase order financing, your company must sell products rather than services. An ideal candidate for this type of financing would be a product re-seller or distributor who is buying products from a supplier and then shipping the products to the client. Purchase order financing can also work in instances where products are sold in conjunction with services (e.g. maintenance), however, the product part of the order must be separate from the services component.

The business case for PO financing

PO financing is simple to use. The po financing company buys the products from your suppliers in your name, using a letter of credit or similar instrument. It then ensures that the products are properly delivered to your client. Once the order is delivered and approved by your client, the funds from the letter of credit are released to your supplier.

At this point, the order has been delivered and an invoice is issued. Most invoices take 30 to 60 days to pay. Once an invoice is paid, the transaction between the parties is settled. It is common to combine po financing with receivables factoring because this enables you to reduce the total cost of the transaction.

Receivables factoring is a type of financing that provides you with financing based on your receivables (or invoices) for delivered products. Usually, once an invoice is generated, the invoice is factored and the funds are used to close the po financing facility. This is done because the rates for po financing tend to be higher than the rates for factoring receivables. This little trick can help you save money and realize greater profits.

Although po financing is a great tool, it does not work for every company. However, if you have margins of at least 20% and good paying customers, you should be able to benefit from it.



Small businesses seeking information on how Hudson Commercial Capital can help during this financial crisis can call 1.212.564-0031 or can visit

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Can a business claim back the VAT on an invoice from ebay?

July 24th, 2009
Invoice Purchasing
davehewison asked:


Can a business claim back the VAT on an invoice from ebay?

The ebay invoice states that VAT at a rate of 15% (Luxembourg Tax) is applied and charged on the total cost, is this Luxembourg tax recoverable?

The invoice is for ebay services and not for items purchased through ebay.

Small businesses seeking information on how Hudson Commercial Capital can help during this financial crisis can call 1.212.564-0031 or can visit

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Posted in Invoice Purchasing | 1 Comment »

Myths About Asset Based Lending

July 24th, 2009
Asset Based Lending
Kris Koonar asked:


The asset based lending industry has acquired an image not considered ‘ideal’. Everyone assumes that asset based loans are not as good as unsecured loans. This image is the outcome of misconceptions that people generally have about asset based loans.

In fact, asset based loans are very competitively priced and offer a lot of flexibility and versatility. They are financial tools offered by a variety of lenders including many money center banks. It is also true is that there has been a phenomenal increase in the overall outstanding value of asset-based loans over the last ten to fifteen years. Despite these encouraging figures, myths still continue to haunt this type of lending. Looking deeper there are some myths that are more common among those doing rounds to falsely scare potential borrowers. Here are some myths and facts:

Asset based loans are taken only by companies in poor financial health- This is one myth that is negated by the fact that an increasing number of healthy companies are opting for asset base financing due to the various advantages it offers. The rates are very affordable and it helps them gain extra leverage for business growth. This is further supported by the fact that such borrowers form the major portion of the borrower community of many leading asset based lenders.

Obtaining asset based loans after having unsecured loans affects company reputation negatively- On the contrary, many companies now prefer to switch to asset based lending to avail of the flexibility and other benefits like lesser number of covenants etc. Those familiar with EBITA and other covenants for unsecured loans would be aware of their restrictive nature and how burdensome they may become especially when the economy suffers a slowdown. As against these four of five covenants, asset based loans require just one or two covenants.

The added flexibility to be able to utilize proceeds as required is one very appealing aspect of asset-based loans. It is basically the value of the company’s assets pledged as collateral that are of concern to an asset-based lender and the availability of the excess borrowing base. The larger the available excess, the better the chances of the company to suitably react in a crisis.

Asset based loans are only concerned with the collateral value- With the understanding derived from a connection with many types of industries, the asset based lender is better qualified to make a correct assessment of the collateral offered and a proper appreciation of their value can help increase the borrowing capacity of the borrower. Collateral is no doubt a very important component as the very foundation of the loan are the assets pledged as collateral and in the case of borrowers that have a negative cash flow, a close scrutiny of the assets is done. However, those companies that have a solid base and are interested in maximizing operations, there are many asset-based lending solutions that strongly rely on financial performance.

Reporting parameters for asset-based loans are very daunting- This type of financing usually has accounts receivable and inventory as collateral. These change from day to day and borrowers have to report these changes daily/weekly/monthly, depending on the risks involved. However, this has become extremely easy with the advent of new technology and takes very little time and effort to complete.

Asset based loans are costlier- Another myth is that such loans are more costly, where in fact they are more economical than unsecured loans.



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Post Settlement Funding

July 24th, 2009
commercial funding
Lawsuit Funding asked:


If you are a plaintiff or attorney and you are seeking an advance against a case that has already reached a verdict you have more options. Post settlement lawsuit funding is a term that means a lawsuit cash advance after a case has reached a settlement. This means if you have won a personal injury or commercial litigation dispute and you are waiting for compensation, you can secure a cash advance while waiting for compensation.

Post settlement funding is typically used by plaintiffs and attorneys when compensation is not paid immediately. It is very common that when a lawsuit is settlement payment is not received immediately upon the verdict. In some cases compensation will be paid months after a case is won.

During the litigation process cases can take months or even years before a settlement is reached. For attorneys that take cases on a contingency fee basis oftentimes the defense will hold up these case intentionally in hopes of financially depleting the financial resources of the plaintiff in hopes for smaller settlements. Even when a verdict is won the defense can sometimes hold off payments or even appeal a case.

For some clients that have never been involved in a lawsuit, once they win a case they assume compensation is paid immediately. At LawLeaf we understand that when a lawsuit is won the plaintiff should receive compensation in a reasonable amount of time and although this is likely not the case, we can still help. Post settlement funding is used by plaintiffs that need money now. If you have recently won a settlement and searching for a lawsuit cash advance against future compensation, you still have options. You can seek a post settlement loan with a litigation finance company.

For additional information on post settlement funding visit LawLeaf today.



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How can I get a personal loan or someone to invest in my start-up business overseas?

July 22nd, 2009
Business Loan
seane.beard asked:


I am currently in the military and I get out in the middle of December. I am currently in the middle of starting up a Day Spa (Beauty Spa) for females (in Bahrain) and I have already invested about 85K in loans into the business. I have nearly excellent credit (which is why I got the loans) which I have maintained for about 14 years. Now, about seven weeks from opening, I foresee a shortage of about 30K. I have searched everywhere for another loan, to include the new Patriot Express Business Loan for the military, but, they will not loan for a business overseas. Also, the number of loans on my Credit Report doesn’t make it a great idea to apply for another one. In the first month, my projected revenue is 15K. This total will double itself over the next three months, which is why I know that someone either investing in my business, or granting me a loan, will receive back their loan in a short period, or their investment will be a positive one. Email or rspond w/answer. Thanks.

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Posted in Business Loans | 4 Comments »

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