How it Works

How Factoring Should Work

Six transparent steps to turn your receivables into working capital without the guesswork, the pressure, or the fog of competing sales pitches.

Step 1
Tell Us About Your Business

Start by entering a few key details

  • Industry
  • Monthly volume
  • Terms of sale
  • State you operate in
  • Type of funding needed

This allows us to filter funders based on real criteria like **Accounts Receivable structure, deal size, and industry focus.

Step 2
Understand What You’re Actually Looking At

Before you compare companies, you need to understand the moving parts.

We translate the key components for you

  • How much you receive upfront (Advance Rate)
  • What it costs (Factoring Fee)
  • Whether you carry risk (Recourse Factoring vs. Non-Recourse Factoring)
  • What gets held back (Reserve)

No fluff. Just the mechanics that actually impact your cash flow.

Step 3
Compare Funders Side-by-Side

Now you’re looking at real options.

Each funder is presented with:

  • Industry strengths
  • Funding ranges
  • Estimated pricing bands
  • Service model
  • Speed to fund

Everything is standardized so you’re not trying to decode five different sales pitches.

Step 4
Select Who You Want to Talk To

You control the process.

Pick one funder—or several—to engage.

No pressure. No forced “match.”

Just a controlled environment where providers know they’re being compared.

Step 5
Connect and Validate the Offer

Once you select funders:

  • They receive your information
  • They reach out with real termss
  • You validate structure, pricing, and fit

This is where details like Notice of Assignment, UCC Filing, and agreement structure come into play—but now you understand what they mean.

Step 6
Make the Right Call

You’re no longer guessing.

You’ve:

  • Seen the market
  • Compared options
  • Understood the structure
  • Spoken with multiple providers

Now you choose the partner—not the other way around.

See. Select. Save.

Factoring Is Simple In Concept — But Messy In Execution If You Don't Have Visibility.

NFA Gives You That Visibility.

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