Choosing the right funding partner affects your business cash flow. The wrong choice can create problems and cost more money. The right partner makes funding simple. Accounts receivable funding helps businesses get cash from unpaid invoices. Not all providers offer the same quality. Here are important factors to consider.

Experience matters in financing. A provider that works with businesses in your industry understands your challenges. They know your payment cycles and seasonal patterns.

Look for a provider that has served businesses like yours. Ask how many years they have been in business. A provider with industry knowledge can structure financing that fits your operations. have been in business. Find out what industries they work with. A provider with industry knowledge can structure financing that fits your operations.

Rates affect how much financing costs. Different providers charge different rates. You need to know what you'll pay.

Ask about their rate range and what determines your rate. At EPOCH Financial Group, we offer rates typically ranging from 0.75% to 1.50% based on your business profile. Factors include your industry, client credit profiles, invoice volume, and payment history. We provide transparent pricing with no hidden charges.

The advance rate is the percentage of your invoice value you receive immediately. Higher advance rates mean more cash available right away. Most providers offer between 70% to 90% of invoice value.

AR financing advance rates vary by provider and your situation. We typically provide advance rates between 85% to 90% of your invoice value. This gives you access to cash tied up in invoices. You can use it for payroll, inventory, or operational expenses.

When you need cash, timing matters. Some providers take weeks to approve applications. Others move faster. Speed can make the difference between taking an opportunity and missing it.

Ask how long approval takes. At EPOCH Financial Group, we structure funding to be delivered within 3 to 5 business days. This helps businesses respond to immediate needs.

A finance services company should do more than provide money. Good providers offer support that makes operations easier. This might include handling collections, managing credit checks, or providing financial guidance.

Some providers take over your collections process. Others only handle payment processing. Understand what service they provide. At EPOCH Financial Group, Inc., we manage the financing process, including collections, credit checks, and documentation. This reduces work for your staff.

Your business will change over time. You might grow rapidly, enter new markets, or face seasonal changes. Your funding partner should adapt.

Asset based lenders vary in their flexibility. Some have rigid structures. Others customize their approach. Look for a provider that offers facilities that can expand. At EPOCH Financial Group, we offer facilities ranging from $1 million to over $50 million, structured to meet cash flow needs at different stages.

Problems and questions will come up. You need a partner that responds quickly. If they don't communicate well, you'll waste time and may not get the help you need.

Ask about their support process. Find out who you'll work with. Understand their response times. Accounts receivable funding works best with a responsive partner. At EPOCH Financial Group, we build long-term relationships with businesses. As your company grows or adjusts to changes, we refine financing strategies to match your needs.

Research what other businesses say about the provider. Look for reviews or testimonials. Talk to other business owners about their experiences.

A provider's track record tells you what to expect. Look for positive feedback about reliability and transparency. Watch for complaints about hidden fees or poor communication.

Choosing a funding partner is an important decision. The right partner provides more than cash. They offer support, transparency, and flexibility that helps your business.

At EPOCH Financial Group, Inc., we partner with businesses across various stages of growth and financial situations. Whether navigating rapid expansion, managing seasonal patterns, or overcoming operational challenges, our solutions provide flexible capital when needed. Our services are available nationwide, supporting companies across the United States.

Accounts receivable funding should make your operations easier. Contact us to learn how we provide the funding and support your business needs.