ACL uses unique credit technology to form a deep understanding of the financial condition of a business and lends from its own balance-sheet. This approach enables us to make quick, sound decisions.

We provide our customers and partners with a quality service because:

• We listen to our customers' stories and understand their challenges.
• We are real people who take the time to build relationships.
• We have a wealth of financial knowledge and experience within our team.

• Unlike conventional loans, with accounts receivable financing there is no limit to the amount of financing you can pursue.
• With account-receivable financing your business is provided with a line of credit based on sales, not your business's net worth.
• Account-receivable financing doesn't appear on your balance sheet as debt.

There are many reasons why factoring is a beneficial financial arrangement for certain types of business, the most cited advantage being the immediate boost it provides to the business’ cash flow.
Companies typically choose to factor because it enables them to access cash quickly, rather than wait the 30, 60, or 90-day grace period many clients choose to pay their bills. A healthy cash flow is crucially important to most, if not all, small and medium-sized businesses.
As such, this form of asset-based financing provides companies instant access to working capital without the delays typically associated with business loans. In fact, many factoring companies are organized to purchase and provide cash for accounts receivables within 24 hours. With this approach to financing, businesses needn't concern themselves with repayment schedules or interest payments.
Better, factoring frees up capital that is caught up in unpaid debts, sparing your business the often-uncomfortable ordeal of collecting overdue bills.
To this end, and because of their exposure should too many of your clients be prone to neglecting their bills, a finance company may conduct their own investigations into your customers credit ratings and payment histories.

Yes! Would updating your building help you to attract more customers? A commercial mortgage can give you the financing to make it happen. Restaurants and retailers have demonstrated the ways an updated interior can drive customers, bringing the owners a sweet return on their investment.

While factoring companies take several elements into consideration when evaluating the worth of a business's account-receivables, the basic rule of thumb is that the easier it is to collect, the more valuable the asset.
Following this logic, a newer invoice will be more valuable than an older, still unpaid invoice, and the larger and more established the company, the more valuable their account receivables will be.
For example, it's a fair bet to assume that a major corporation like, say, Google, is in no danger of defaulting or going under anytime in the near future. As such, you could say that a $2,000 account-receivable from them is as good as money in the bank, which it literally is once it's been purchased by a factor.
At the same time, a $2,000 outstanding invoice that's been owed by the local DVD rental outlet for over six months is a notably riskier investment, hence it's being valued considerably lower than Google's debt.
As a general rule with any business, the more information you can discreetly accrue with respect to your customer base, the easier it will be for you to enter a factoring agreement with your finance company.

Although it varies slightly by industry and volume, for most enterprises (outside of the transportation sector) factoring advances are in the 75%-95% range.

While factoring is a common business practice across a wide variety of industries, it tends to carry a particularly large presence in the transportation, trucking, textiles, manufacturing, and wholesale and distribution sectors.
Invoice factoring is both a funding and business solution, but the primary reason why companies choose to factor is the quick access to cash it provides.