Simpler cost structure
Lower rates, no additional APR, and no markup on borrowing costs.
Compare Your Options
Compare BusinessManager and traditional factoring.
Start with the differences that matter most, then compare the details.
Why BusinessManager
What changes with BusinessManager.
Three practical differences shape how the model works for your business.
More contract flexibility
No long-term contract or termination penalty.
Keep the customer relationship
Your business retains the customer-facing relationship while the participating financial institution processes payments.
Side by Side
Compare the details.
See how BusinessManager and traditional factoring differ across cost, flexibility, customer relationships, and day-to-day operations.
Cost Structure
| Traditional factoring | BusinessManager | |
|---|---|---|
| Rate structure | Typically higher rates | Simplified lower rates |
| APR | Additional APR | No additional APR |
| Invoice age | Most funded invoices are 60 days or less | Most funded invoices are 120 days or less |
| Additional fees | Additional fees, including wire fees | No additional fees |
| Borrowing-cost markup | Rates marked up to cover borrowing costs | No markup on borrowing costs |
Contract Flexibility
| Traditional factoring | BusinessManager | |
|---|---|---|
| Contract term | Long-term fixed contracts | No long-term contract |
| Termination / participation penalties | Early-termination or participation penalties | No termination penalty |
Customer Relationship
| Traditional factoring | BusinessManager | |
|---|---|---|
| Collections | Factoring company collects customer invoices | Business retains collection responsibility; the financial institution processes payments |
| Customer visibility | Customers are notified of the financing program | Your business remains customer-facing while payments are processed through the financial institution. |
| Billing / remittance | Financing company owns billing | Business retains billing and modifies the remittance address |
Operations
| Traditional factoring | BusinessManager | |
|---|---|---|
| Financial audits | Quarterly financial audits | No quarterly audits |
| Funding cadence | Weekly funding | Daily funding |
What to Weigh
The difference is more than funding.
Cash-flow flexibility
How quickly can receivables become working capital you can put back to work?
Customer control
Who owns billing, collections, and the day-to-day customer relationship?
Solution structure
What do rates, fees, contract terms, and the financial-institution relationship look like?