No. Even though invoice factoring is commonly referred to as " factoring loans" Dallas Goedert Shirt , it is a financial practice involving a B2B transaction, but no bank. To further explain, account factoring, it is when a company, like Peacock Capital Carson Wentz Shirt , purchases your accounts receivable invoices at a discount and provides you with immediate cash. A traditional bank loan uses your company's accounts receivable as collateral, where account receivables factoring looks primarily at the financial soundness of your customers, not your company. Banks are regulated heavily; large finance companies generally are public and driven by pressures in the financial markets. When times are tough, banks and finance companies limit lending. A small business, too new to have a track record Clayton Thorson Shirt , with a weak balance sheet, with a history of financial problems, in turnaround mode or undergoing big changes, often cannot find a willing lender at any price. That is why factoring is best for small to mid-sized businesses.
Does a bank loan make more sense for my small business than invoice factoring?
No. Banks often have restrictive lending requirements relating to cash flow, profitability Shareef Miller Shirt , equity, and years in business, which prohibit them from making loans to small to mid-sized businesses. Since factoring companies are not in the lending business and there is really no such thing as " factoring loans", the decision to purchase invoices is influenced primarily by the quality of your customer base and their financial stability, and not the financial fundamentals of your company.
Do I have to jump through the same hoops for account receivables Factoring as with bank financing?
No. All Peacock Capital needs to produce a proposal is a completed pre-approval form JJ Arcega-Whiteside Shirt , summary of accounts receivable aging, summary accounts payable aging and some other basic financial information.
Do I have to be an established business operating a minimum number of years to start an account factoring relationship with Peacock Capital?
No. Peacock Capital prides itself on working with companies in all stages of business, including recently developed small to mid-size businesses. Even pure start-ups are usually not a problem for Peacock Capital. If your company has verifiable invoices and creditworthy customers, Peacock Capital will happily speak with you about an account receivables factoring relationship.
Are my receivables held as collateral while my company is factoring?
Yes. Peacock Capital requires a first position on all accounts receivable while you are factoring with us.
Does Peacock Capital require additional collateral when my company is factoring?
No. Within our traditional account factoring programs, a first position on accounts receivable is all that Peacock Capital requires while you are factoring. In some situations Miles Sanders Shirt , Peacock Capital may take an available security interest in other company's assets.
Afra AmirSanjari is the Principal for Peacock Capital. Peacock Capital specializes in solving the cash flow challenges of SmallMedium Businesses, Government Vendors and Individuals with innovative financial solutions by providing a network for securing operating capital.
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1. Use images directed to the male psyche – Since a color postcard is a primarily visual medium, the best way to get that male target market on your side using this tool is to use images directed at the male psyche within the postcard layout. Now, the specifics of male interests may vary from culture to culture Andre Dillard Shirt , but the basic images that should attract them are images of beautiful women as well as a male-centric hobby like sports, cards, gadgets etc. If you have these images in your color postcards, you are sure to turn those male heads in the direction of your print.
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3. Be precise with your colors – Now, the male market is actually picky with colors. Send them a violently pink postcard and they might not pick that postcard up, but if you send them a deep red postcard or a black and white one, they should easily read those. So make sure that you test out your color postcard schemes before mass producing your custom cards. Make sure to get feedback from a small sample of a male audience so that you are sure they will pick up your cards easily.
Normally though Randall Cunningham Shirt , I would advise using full color photographs, and then just use a white base for the postcards. If you really need to color the whole color postcard, it is best to use neutral colors so that you can easily be accepted by the male audience. Cooler colors such as blue and green should also work well, and if you want to attract more, maybe a deep red color should work. But the best options here are neutral colors.