{"id":38205,"date":"2021-07-07T10:46:15","date_gmt":"2021-07-07T14:46:15","guid":{"rendered":"https:\/\/www.arffinancial.com\/development\/?p=38205"},"modified":"2023-11-06T15:00:34","modified_gmt":"2023-11-06T20:00:34","slug":"factoring-vs-short-term-loans","status":"publish","type":"post","link":"https:\/\/www.arffinancial.com\/development\/factoring-vs-short-term-loans\/","title":{"rendered":"Factoring vs. Short-Term Loans"},"content":{"rendered":"<p><img class=\"aligncenter size-large wp-image-38207\" src=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/07\/ARF-Blog-07082021-1024x538.jpg\" alt=\"Factoring vs. Short-Term Loans\" width=\"1024\" height=\"538\" srcset=\"https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/07\/ARF-Blog-07082021-1024x538.jpg 1024w, https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/07\/ARF-Blog-07082021-300x158.jpg 300w, https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/07\/ARF-Blog-07082021-768x403.jpg 768w, https:\/\/www.arffinancial.com\/development\/wp-content\/uploads\/2021\/07\/ARF-Blog-07082021.jpg 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>If you\u2019re reading this content, it might be likely you\u2019re a small business owner looking to secure <a href=\"https:\/\/www.arffinancial.com\/development\/?urlsource=blog\">additional financing<\/a>. Perhaps you want to expand to another location or up your marketing budget. Maybe you\u2019re having a tough time making payroll this month. Whatever the case, <a href=\"https:\/\/www.arffinancial.com\/development\/company\/about-us\/?urlsource=blog\">you\u2019ve got options<\/a>. Today we\u2019ll be talking about the differences between two financing opportunities: factoring and short-term loans.<\/p>\n<p><strong>What is Factoring?<\/strong><\/p>\n<p>According to <a href=\"https:\/\/www.investopedia.com\/terms\/f\/factor.asp\" class=\"broken_link\">Investopedia<\/a>, \u201cA factor is essentially a funding source that agrees to pay a company the value of an invoice less a discount for commission and fees.\u201d With factoring, the financial provider (factor) purchases your business invoices or accounts receivable and gives you immediate financing based on that income you haven\u2019t received yet. <a href=\"https:\/\/www.investopedia.com\/terms\/a\/accountsreceivable.asp\" class=\"broken_link\">Accounts receivable<\/a> is any money owed by a customer who made the payment on credit.<strong>\u00a0<\/strong><\/p>\n<p>The requirements for factoring vary, but typically the funds are released in about 24 hours. There will also be a fee associated with this sale, one which is determined based on the creditworthiness of the customer responsible for paying the business invoice or accounts receivable. The less creditworthy someone is deemed, the greater the fee the company making the sale will be charged. Factoring is beneficial because it provides near-instant access to cash, helping a business that\u2019s late on payments avoid default.<\/p>\n<p><strong>What is a Short-Term Loan?<\/strong><\/p>\n<p>A <a href=\"https:\/\/www.investopedia.com\/terms\/t\/termloan.asp\" class=\"broken_link\">short-term loan<\/a> is typically given to customers who can\u2019t qualify for a <a href=\"https:\/\/www.arffinancial.com\/development\/loans-by-product\/lines-of-credit\/?urlsource=blog\">line-of-credit<\/a> from a banking institution. You get a specific sum of money on loan, and it has a lifespan of between 12-18 months. Like factoring, it\u2019s a great choice if you need quick cash. Short-term loans are required to be paid back monthly plus interest\u2014and as mentioned above, usually within a year. Perfect for start-ups, short-term loans are a good bet if your business doesn\u2019t have enough credit built up to get a line of credit.<\/p>\n<p>It is generally slightly more difficult to qualify for a short-term loan than it is for factoring. There is some documentation you\u2019ll need to provide to secure a short-term loan, including tax returns and balance sheets. Whereas with factoring, as long as you have great invoicing practices and the clients you work with are creditworthy, it\u2019s in the bag.<\/p>\n<p><strong>Use Cases<\/strong><\/p>\n<p>Consider factoring as your financing solution if you\u2019re looking to cover ongoing expenses, things like payroll or inventory. Short-term loans are good for temporary money needs, such as one-off projects or getting new equipment.<\/p>\n<p>And there you have it! Be sure to check in with our blog, the <a href=\"https:\/\/www.arffinancial.com\/development\/blog\/?urlsource=blog\">Financial Pantry<\/a>, every week for more great content on small business loans, marketing tips, and industry news. ARF Financial offers bank loans for small businesses, and we\u2019ve been doing it for two decades. We can get you your funds fast. And with fixed payments that won\u2019t increase as your revenue grows, what\u2019s to lose? Interested? Try our free online <a href=\"https:\/\/www.arffinancial.com\/development\/working-with-us\/what-it-costs\/loan-calculator\/?urlsource=blog\">loan calculator<\/a> to see how much you qualify for!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you\u2019re reading this content, it might be likely you\u2019re&#8230;<\/p>\n","protected":false},"author":5,"featured_media":38207,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","om_disable_all_campaigns":false,"footnotes":""},"categories":[111,128,698],"tags":[398,402,386,535,828,220,213,818,401,224,222,172,819,311,226,454,142],"class_list":{"0":"post-38205","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-business-financing","8":"category-day-to-day-business-operations","9":"category-small-business-financing","10":"tag-affordable-business-loans","11":"tag-affordable-small-business-growth","12":"tag-business-loans","13":"tag-equipment-leasing","14":"tag-factoring-vs-short-term-loans","15":"tag-flex-pay-loans","16":"tag-line-of-credit","17":"tag-small-business-business-loans","18":"tag-small-business-expansion","19":"tag-small-business-financing","20":"tag-small-business-funding","21":"tag-small-business-growth","22":"tag-small-business-leasing","23":"tag-small-business-line-of-credit","24":"tag-small-business-loans","25":"tag-small-business-marketing","26":"tag-working-capital"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - 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