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The following article was published in our article directory on March 29, 2010.
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Receivables Finance Options for Small Businesses

Article Category: Finances

Author Name: Stephen Bush

As a practical strategy to replace conventional bank business loans for any small business owner trying to keep their operation afloat, accounts receivable financing should be thoroughly evaluated. One of the biggest hurdles in this process is a temptation for borrowers to eliminate options prematurely because they appear to be too costly or complicated. Because there will not always be be a simple or cheap solution to the commercial finance difficulties for a business, it will usually be prudent to keep all workable options on the table. For many businesses, receivables financing might be the only business financing option that can be successfully arranged. When "Plan A" is bank financing that is often not available in the current commercial lending environment, accounts receivable financing deserves serious consideration even though it might be viewed by some commercial borrowers as "Plan B".

Understanding it sufficiently to be comfortable with how it works in practical terms is one of the primary challenges in considering any specialized approach to business financing. A firm belief that commercial financing from banks was straightforward and simple was among the previous attractions for using a traditional bank business loan. In an ironic twist, it has recently become more clear that the typical bank approach was not so simple after all. Because of obscure recall clauses that allow many banks to cancel commercial finance agreements with little or no advance notice, many business loans made by banks are now being revoked. Commercial lines of credit are also being decreased or eliminated by a large number of banks with very little warning.

The need to find an effective source of working capital loans and other small business finance options to replace bank financing that either can reasonably be expected to vanish within a few months or has already disappeared is a harsh reality for most small businesses. As much as possible businesses should first attempt to accomplish this by commercial debt reductions. When it is not practical to reduce business debt, commercial borrowers should focus on the most realistic alternatives for raising additional capital to maintain cash flow at an acceptable level. Exploring the viability of securing more equity financing is one strategy for accomplishing this goal. In exchange for providing capital, this path requires taking on one or more new partners who will then have a piece of the business. These options will not be practical for many business situations even though reducing debt and increasing equity financing can be very effective solutions.

For any business that has substantial accounts receivable, the use of receivables factoring is likely to be on the short list of strategies to improve cash flow and obtain working capital quickly. As a practical replacement for conventional bank financing, accounts receivable financing is a working capital financing option that is being reviewed by many small business owners. Business borrowers should not ignore the increasing need to replace traditional banks as an ongoing source of commercial real estate loans.

Keywords: accounts receivable,receivables factoring,receivables financing,factoring,finance,receivables

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