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We invited Bjorn Peterson, Owner of Flex Business Capital to share his thoughts on small business financing, specifically an alternative to traditional bank loans – factoring.

cash flow - factoring

Today your business doesn’t need to rely on bank loans or struggle with cash flow – factoring is the smart alternative to traditional small business financing through banks. For example, a trucking company was in a huge growth stage yet was short on cash to make payroll. We worked with them to quickly provide cash based on the many invoices they were waiting to collect, rather than them waiting for customers to pay. Success! The trucking company met their payroll obligations and were able to hire additional employees to meet their growth needs.  

What is factoring?

Call it factoring, invoice factoring, factoring financing, asset based financing or accounts receivable financing – these all describe using your account receivables, your customer invoices, to quickly and simply improve cash flow. Basically, your company receives money now for invoices that will be due in the next 30, 60 or 90 days. Factoring financing can quickly provide your company immediate cash from $5,000 to $10,000,000.

This cash flow infusion from factoring financing can be used for anything, such as:

  • Paying outstanding bills and taxes
  • Buying additional equipment or inventory
  • Taking on new business opportunities and customers
  • Hiring new employees and making payroll
  • Expanding into new markets

What is factoring?

What types of companies use factoring? No matter what a company’s industry or situation, factoring is a great resource for funding. Factoring helps companies that:

  • need cash immediately and can’t wait for a bank loan to be approved
  • have outgrown their banking relationship and are looking into different financing options
  • are unable to obtain sufficient financing from their bank due to bad credit
  • are new start-ups who have no credit history and aren’t able to qualify for bank loans (Banks typically require a company to be in business for 2 years before they will extend a line of credit!)

Oil and gas, trucking, business services, staffing agencies, manufacturing, wholesale, technology, telecom, digital businesses and online enterprises – all types of industries use factoring financing.  

Invoice factoring can particularly help small and mid-sized firms because it offers flexibility and immediate working capital. Large companies can also benefit from invoice factoring, but the additional cash flow is often more needed for start-ups and growing businesses.

So, how quickly can you get cash with factoring financing? Today. Yes, that’s right, with factoring you can receive funding today or within a very short period of time, rather than waiting 30, 60, or 90 days for payment from customers. No credit history, like with a start-up, or bad credit are okay because approval is based on the credit of your clients, not your credit. Even if you’ve had trouble qualifying for other forms of financing, factoring is a viable option.

Introducing Your Factoring Partner – Flex Business Capital. Ready to see what factoring can do for your cash flow situation? The process is simple and can be done online by visiting You’ll enter some information about your business and receive approval for your funding the same day. Our goal is to be your partner in growth for the entire life of your business.

Say goodbye to strict bank requirements and long credit applications. Small business factoring provides you instant cash with zero debt and more flexibility. Try factoring financing for your business today at

solve cash flow problemsBjorn Peterson is the Owner of Flex Business Capital. Flex Business Capital offers small businesses factoring financing to solve cash flow problems without debt, so they can focus on growth and success.

FAQs about Factoring Financing with Flex Business Capital

What is factoring?

Factoring, also known as invoice factoring or accounts receivable financing, is a financial solution where businesses sell their accounts receivable (invoices) to a factoring company like Flex Business Capital to improve cash flow.

What types of companies benefit from factoring?

Factoring is advantageous for companies that need immediate cash, have outgrown traditional banking relationships, struggle with bad credit, or are startups with no credit history. Various industries like oil and gas, trucking, staffing agencies, and technology firms utilize factoring.

How can businesses use cash obtained from factoring?

The cash obtained from factoring can be used for various purposes such as paying bills and taxes, purchasing equipment or inventory, seizing new business opportunities, hiring employees, and expanding into new markets.

How quickly can businesses access funds through factoring?

Unlike traditional bank loans, factoring provides quick access to funds, often on the same day. Approval is based on the creditworthiness of clients, not the business itself, making it suitable for startups and businesses with poor credit history.

Why choose Flex Business Capital for factoring financing?

Flex Business Capital offers a seamless online process for businesses to obtain factoring financing. With a focus on providing instant cash without accumulating debt, Flex Business Capital aims to be a long-term growth partner for businesses across various industries.