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Factoring service has been widely accepted by both exporters and importers in international trade.

Factoring service is a comprehensive financial services package, which includes working capital funding, credit risk protection, accounts receivable administration and payment collection services.

In a nutshell, factoring is the sales of a business account receivable to a factor in order to obtain funding. By sharing the risk with factors, factoring is an excellent alternative for exporters to minimize buyer risk before payment settlements in international trade.

Factoring offers a flexible and efficient source of working capital that not only enables enterprises to convert accounts receivables into cash, but also lowers the risk of bad debts. Such credit protection brings the peace of mind. Factoring service is therefore the best way for enterprises to secure funding in times of business growth.

Using factoring service not only avoids complicated procedures of opening L/C, but also involues lower charges and risk. To sum up, the advantages of factoring include:
  • Suppliers can offer more competitive terms of sales so as to boost sales in overseas markets
  • Suppliers can accelerate cash flow through faster collection of account receivables
  • Lower costs than the aggregate charges for L/C transactions
  • Suppliers can boost working capital with higher liquidity
  • Buyers can enhance borrowing potential and provide an opportunity to make use of supplier discounts
  • Buyers can purchase on convenient 'open account' terms
  • Buyers do not have to open L/Cs
  • Buyers can expand purchasing power without blocking existing lines of credit
  • Buyers can place orders swiftly without incurring charges such as delays, L/C opening charges or negotiation charges