(145)Invoice Factoring: Hot to finance growth without debt or banks


There are few bigger challenges for business owners and managers than waiting 30 to 60 days to get paid by their customers. Although large businesses can usually afford it, smaller businesses can't afford the wait. As a matter of fact, waiting to get paid on their invoices can create cash flow problems that affect the owners ability to meet payroll or pay the company's bills. This problem can be more frustrating if the business has a number of orders that it cannot fulfill because its cash is tied up in unpaid invoices.

How can invoice factoring help you?
Invoice Factoring, also known as accounts receivable factoring, is a financial tool that allows small business owners to capitalize on the power of their slow paying invoices. It allows you to turn your invoices into immediate cash, enabling you to fund your business operations. Although it is not a well-known fact, invoices from strong credit worthy commercial clients are excellent collateral, especially for factoring companies. Although most banks won't take invoices - factoring companies are more than willing to provide you with financing based on them. This makes it an ideal financing vehicle for small and mid size businesses, as well as knowledge-based companies and employee intensive firms.

How does invoice factoring work?
As opposed to most banks that lend you money against hard collateral, invoice factoring companies buy your invoices outright. The factoring company buys your invoices and provides you with funds immediately, while they wait to get paid by your customers. Factoring is best described with an example:

1. Let's say that you sell services to Company A and Company B. As soon as you provide the services, you invoice them.
2. At the same time, you send copies of the invoices to the factoring company, who buys them and provides you with an advance payment for them.
3. The factoring company waits to get paid by your customers. Once paid, any remaining funds are remitted to your company.
The invoice factoring process can be repeated every time you invoice, providing you with a flexible line of financing that grows with your business.

How much will an invoice factor advance my business?
Factoring transactions are commonly done as a two-installment sale. The first installment is called the advance and is paid to you as soon as you submit the invoices. Advances can range anywhere from 60% on the low end up to 90% of the gross value of the invoices. The average advance is about 75%.
The remaining installment, called the rebate, is remitted to you once the invoice is paid. Factoring fees are deducted from the rebate.

The cost of invoice factoring
The cost of a factoring transaction is determined by three criteria. First, the credit worthiness of your customers. Second, the length of time that your invoices take to get paid. Lastly, the monthly factored volume.
Your cost, actually called a discount, can be as low as 1.5% or as high as 12% per transaction depending on how you fit the previous criteria.
How can I determine if invoice factoring will help me? Generally speaking, invoice factoring will help you if you have a business that has reasonable profit margins or is growing quickly. Mid size companies with 20% or more profit margins or large companies with 15% profit margins can usually do well with accounts receivable factoring.

About the author:
Invoice Factoring Group and its small business invoice factoring subsidiary can provide you with factoring quotes at no cost to you. Marco Terry, its president, can be reached at 866-730-1922. Written by: Marco Terry

(146)Is Now A Good Time To Refinance Your Home Loan?



Bargain mortgage rate shoppers are on a refinancing spree. Many have secured unbelievably great deals. Others have gotten caught up in the frenzy and got the short end of the stick. How can you refinance your home without getting burned?

Last week mortgage application reports indicated that homeowners went on another home loan refinancing spree. Some of the reasons were the long-term impact of the Fed recent rate cut. As mortgage rates declined below 6% homeowners responded to the rate cut sensation with a surge in refinance applications.

Another reason for the refinance wave is the demand for cash. In recent months experts predicted that consumers would put up to $110 billion dollars in spending money back into the economy this shopping season following the ongoing refinancing wave. Using the web as a discount vehicle for commerce consumers have been looking for rare deals in merchandise, investment programs and home loan refinancing in order to pocket cash.

The Mortgage Loan Search Network reports increased use of its financial resources for financing and home loan refinancing. Traffic has increased 33% as user take advantage of mid-term hybrid mortgage loans that allow the consumer to pocket both cash and well as save money for investment purposes such as retirement savings, college savings or to pay down high interest rate debt.

There are many useful sites offering tools tips and guides to finding the best deal on refinance loan rate. The key to successfully locating a realistically low mortgage rate quote is making use of lending marketplaces. These marketplaces are like highly competitive auction houses. Lenders seek to win the users business by offering competitive rates, fees and incentives. The user first needs to figure out what rate level they best qualify for. How to get around various loan fees and added costs as well as how to make several lenders compete for your business.

There are a number of helpful consumer oriented financial resources that can help you understand the lending process from the consumers perspective. Once such site is at Consumers looking for free local home mortgage rate quotes, rate comparison tools, tips and news on refinancing at today's competitive rates and lowest loan costs can access local lenders across while narrowing down options of thousands of loan programs at low rates and loan costs.

Consumers should consult their mortgage professional to find out if these programs will work best for them. Loan rate shoppers seeking low rates for refinancing or home buying should not delay preparing to lock-in rates at today's lows.

About the Author
Mark Askew is founder and editor of the Mortgage Loan Search Network. An extensive financing and refinancing resource with tips and guides for rate comparison, establishing and repairing credit, lowering interest rate charges and monthly paymets and finding bargain loan deal online.

Written by: Mark Askew

(147)Is the Havanese the right Puppy for you?

Choosing the right dog for your home is a very important decision. You need to gather as much detail about the breeds you are considering as possible. The Havanese is a rapidly growing breed in terms of popularity. This then begs the question as to why? Lets look at some of the Physical Characteristics of this breed to determine if this breed is in fact a great choice for your home.

Physical Appearance Of The Havanese

1. General Appearance

Lets start by considering the standards set by the American Kennel Association. These are guidelines that breeders and dog show competitors must adhere to in order to succeed in the dog show business. You can obtain a more detailed listing of Havanese standards from the American Kennel Association.

The Havanese is small and sturdy in stature. The body of a Havanese is slightly longer than tall. A Havanese has untrimmed long, silky, wavy hair. Their coat is of a texture that does well in warm tropical climates. They have hair that falls over their eyes. This longer hair is usually not tied into a top knot because it can act as a protective layer from the bright sun. They have a plumed tail that is carried loosely over their hindquarters.

2. Physical Characteristics

The Havanese breed is a small dog. The Havanese is 7-13 pounds in weight. The American Kennel Club breed standard is more specific as to the proper size of a Havanese. According to the American Kennel Club a Havanese should be:

"The height range is from 8½ to 11½ inches, with the ideal being between 9 and 10½ inches, measured at the withers, and is slightly less than the length from point of shoulder to point of buttocks, creating a rectangular outline rather than a square one."

The Havanese breed should have large dark brown almond shaped eyes that are set widely apart. They have medium length ears. The breed is small in stature, but is by no means fragile.

3. Coat and Color

The Havanese has a soft, long-haired double coat. The Havanese can vary in color including: cream, gold, silver, blue, and black.

It is essential to brush your Havanese daily so that their hair doesn't become matted. It may take time to get your Havanese used to the daily brushing, but once they do, they might actually enjoy it. Make sure to keep their face clean as their eyes may produce a small tear discharge.

4. Gait

A Havanese is a toy dog with a spring in their step. This extra spice in their step is due to a strong rear drive paired with flashy front action from their upper arms.

The American Kennel Club depicts the Havanese gait as lively, elegant, resilient, and unique.

5. Showing Faults that Result in Disqualification

When showing a dog the judges are very cognizant of any "unacceptable" faults of the Havanese. Faults associated with physical appearance include the following characteristics:
* Height at withers under 8½ or over 11½ inches except that the minimum height range shall not apply to dogs or bitches less than twelve months of age. * Complete absence of black (or chocolate in the chocolate dog) pigmentation on the eye rims, nose or lips.
* Coarse, wiry coat. An atypical short coat on an adult. (Atypical refers to a smooth, flat coat with, or without furnishings.)
Remember these "faults" are of most concern for show dogs. You can raise a Havanese that doesn't bring home a dog show trophy, but will provide you with companionship, dedication, and protection.
As you continue your search for the RIGHT puppy to get, you really need to consider the Havanese Puppy. If you want more information about this dog, then visit

About the author:

Fiona Kelly is a passionate Havanese owner that has devoted countless hours sharing her secrets on how to have the perfect, happy, healthy and best behaved Havanese. If you're interested in the Havanese then you can check out her web site at
The Author grants you permission to re-print or re-publish this article so long as it remains unchanged and all links remain present and active.
Written by: Fiona Kelly




Global Peace Mission



  • Select category
  • English Literature
  • Nuclear Physics
  • Economics
  • General Spiritualism
  • Urdu Literature
  • Society and Culture
  • Law and Order
  • Medical and Health
  • Politics