After we review all the requested documents (which takes two to seven days) we will sign an agreement. Once the agreement is signed we ask you to submit documentation for credit checking your customers and verification of initial invoices that you wish to factor. Upon completion of the credit and verification funding will occur immediately.

Yes. All invoices are stamped payable to the investor. Since factoring is now so common, almost all account debtors will work with you. The negative connotation of factoring is yesteryear. Our staff acts as your collection team and we represent you with professionalism. Also, notification from a factor usually generates quicker payment since many factors report payment history to national credit reporting firms.

Factoring gives your business the power to grow, without giving away equity or taking on debt. Contrary to what you may have heard, factoring is not a tool used only by struggling companies. Many new businesses and startups can benefit from Accounts Receivable Funding. Financially smart companies use factoring as a powerful tool to release capital tied up in AR.

No, there is no need to factor ALL of your invoices. You choose which companies and the amounts to factor.

The impact should be a positive one. Customers recognize that your company needs capital to expand your business. Bayshore Capital understands the relationship you have established with your customers. We will collaborate with you and your customers to ensure the transition is transparent and the outcome is professional and mutually beneficial.

Factoring fees will vary, depending on monthly volume factored, average invoice size and quantity of invoices, the terms for payment you offer your customers, customer creditworthiness and company industry.
Fees are accrued based on the time of the outstanding receivable.

Please Note: At Bayshore Capital, there are NO monthly minimums. You factor only when it's in your company's best interests.

When compared to the combined expenditure of waiting the typical 30-45 days to receive invoice payment, coupled with the administrative costs related to credit verifications and collection, factoring can be a practical, efficient business finance alternative.