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One of the most common struggles any business faces is managing cash flow. You provide your products and services on time, only to wait 30, 60, or even 90 days or longer for payment. Meanwhile, your business has needs and obligations that require working capital. Whether you want to go after that new account, add inventory, or increase staff to manage a seasonal rush, having the cash you need, when you need it, gives you the opportunity to grow your business on your schedule. That’s where Calculus Financials comes in.
Factoring is simply the sale of your open accounts receivable for immediate cash. Instead of waiting for slow-paying customers, Calculus Financials purchases your open invoices at an agreed-upon discount for cash you can use right away. Calculus Financials provides non-recourse factoring, which means we assume the credit risk - if an invoice you factor with Calculus Financials isn’t paid for a credit reason, you are not liable. Most factors are full-recourse, which means you still have to worry about default. Non-recourse factoring gives you immediate cash for your invoices without the hassle of collections.