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The Secrets of Making People Like You Get - Our Truck Factoring Company Can Give
Your Trucking Company The Money You Need

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Invoice Factoring is beneficial for numerous reasons. It permits a truck firm to raise money without getting brand-new financial obligation. While debt is often needed, a lot of trucking firms would prefer to raise cash without borrowing money. Debt is high-risk, and when it cannot be repaid, possessions can be repossessed. If the financial obligation is big enough, it may even force a freight brokerage out of business.

 

 

 

 

 

 

 

Thousands Now Play Who Never Thought They Could - Pick The Best Factoring Company Instead Of A Typical Bank Financing

Exactly how to Enhance Money Flow Without Loaning -Cash Money flow is one of the main reasons businesses fail.

At one time or another, every company, even successful ones, have experienced bad money flow.

Cash flow does not have to be an issue any ever more. Do not be deceived -- banks are not the only locations you can get funding. Other options are offered and you do not have to borrow. What is trucking factoring ? One solution is called trucking factoring. Trucking Factoring is the procedure of selling invoices to a financier rather than waiting to collect the cash from the client. Oh, the Irony- Trucking factoring has an ironic distinction: It is the monetary foundation of numerous of America's most effective companies. Why is this paradoxical ? Since invoice factoring is not instructed in business colleges, is rarely mentioned in company strategies and is fairly unidentified to the majority of most of American business people.

Yet it is a financial process that frees billions of dollars every year, allowing thousands of businesses to grow and succeed. Factoring has been around for countless years. Receivable Financing Businesses are financiers who pay money for the right to get the future payments on your invoices. An overdue receivable or invoice has value. It is a debt your customer has to pay in the near future. Factoring Principals--Although factoring offers solely with business-to-business transactions, a big percentage of the retail company uses a factoring principal. MasterCard, Visa, and American Express all utilize a type of factoring in their retail deals. Utilizing the purest meaning of the word, these big customer finance companies are truly simply big Receivable Funding Companies of customer paper. Think about it: You make a purchase at Sears and charge it to your MasterCard. The shop makes money almost immediately, even though you do not pay until you are prepared.

For this service, the credit card company charges XYZ Store a fee (typical common normal fees vary from 2 to four percent of the sale). The Advantages Receivable Funding can offer many advantages to cash-hungry business. Rather than wait 30, 60, 90 days or longer for payment on an item that has already been provided, a company can factor (sell) its receivables for money at a little price cut off the dollar value of the invoice. Payroll, marketing efforts, and working capital are simply a few of the business requirements that can be met with instant  cash.

Invoice Factoring offers the means for a manufacturer to replenish stock and make even more products to sell: There is no longer a requirement to wait for earlier sales to be paid. FACTORING is not simply a cash management tool for producers: Almost any kind company can benefit from Commercial Factoring. Generally, a company that extends credit will have 10 to 20 percent of its yearly sales tied up in invoices at any given time. Think for a moment about exactly how much is tied up in 60 days' worth of invoices: You can not pay the power expense or this week s payroll with a client s invoice, but you can offer that invoice for the money to meet those obligations. Using trucking factoring companies is a fast and simple process. The factoring company buys the invoice at a price cut, typically a couple of portion points less than the stated value of the invoice.

 

 

Please call our
freight bill factoring specialists at
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"

Providence is the capital and most populous city in Rhode Island. Founded in 1636, it is one of the oldest cities in the United States. It is located in Providence County, and is the third-largest city in the New England region after Boston and Worcester. Providence has a city population of 177,994 and is part of the 37th-largest metropolitan population in the country, with an estimated population of 1,600,856, exceeding that of Rhode Island by about 60%, as it extends into southern Massachusetts. This can be considered in turn to be part of the Greater Boston commuting area, which contains 7.6 million people. The city is situated at the mouth of the Providence River, at the head of Narragansett Bay.Providence was founded by Roger Williams, a religious exile from the Massachusetts Bay Colony. He named the area in honor of ""God's merciful Providence"", which he believed was responsible for revealing such a haven for him and his followers to settle. After being one of the first cities in the country to industrialize, Providence became noted for its jewelry and silverware industry. Today, the city of Providence is home to eight hospitals and seven institutions of higher learning, which has shifted the city's economy into service industries, though it still retains significant manufacturing activity.Once nicknamed the ""Beehive of Industry,"" Providence began rebranding itself as the ""Creative Capital"" in 2009 to emphasize its educational resources and arts community.Providence was one of the first cities to industrialize in the United States. By 1830, the city had manufacturing industries in metals, machinery, textiles, jewelry, and silverware. Though manufacturing has declined, the city is still one of the largest centers for jewelry and silverware design and manufacturing. Services, in particular education, healthcare, and finance, also make up a large portion of the city's economy. Providence also is the site of a sectional center facility (SCF), a regional hub for the U.S. Postal Service. Since it is the capital of Rhode Island, Providence's economy additionally consists of government services.

 

Warwick (i/'w?r?k/ WORR-ik) is a city in Kent County, Rhode Island, United States. It is the second largest city in the state, with a population of 82,672 at the 2010 census. Its mayor has been Scott Avedisian since 2000. Founded by Samuel Gorton in 1642, Warwick has witnessed major events in American history.The City of Warwick (and T.F. Green Airport) is located approximately 12 miles (19 km) south of downtown Providence, and 63 miles (101 km) southwest of Boston, Massachusetts, and 171 miles (275 km) northeast of New York City.Warwick was decimated during King Philip's War (1675�76) and was the site of the Gasp�e Affair, a significant prelude to the American Revolution. Warwick is also the home of revolutionary war general Nathanael Greene, George Washington's second-in-command, and the Civil War hero of the battle of Gettysburg, General George S. Greene.Warwick is home to Rhode Island's main airport, T. F. Green Airport, which serves the greater Providence area and also functions as a reliever for Logan International Airport in Boston, Massachusetts. It is also the home of the 43rd Military Police Brigade of the Rhode Island Army National Guard.Before its dissolution, Corporation had its headquarters in Warwick.

 

Cranston, once known as Pawtuxet, is a city in Providence County, Rhode Island, United States. With a population of 80,529 at the 2010 census, it is the third largest city in the state. The center of population of Rhode Island is located in Cranston. Cranston is a part of the Providence metropolitan area.Cranston was named one of the ""100 Best Places to Live"" in the United States by Money magazine in 2006. It is among the top 25 safest cities in the country, according to CQ Press's research. According to the survey done by 24/7 Wall St website, Cranston ranked 36th on the list of �America�s 50 Best Cities to Live�The Town of Cranston was created in 1754 from a portion of Providence north of the Pawtuxet River. After losing much of its territory to neighboring towns and the city of Providence, Cranston itself became a city on 10 March 1910.Companies with corporate headquarters in Cranston include jewelry maker Bank.

 

Pawtucket /p?'t?k?t/ is a city in Providence County, Rhode Island, United States. The population was 71,148 at the 2010 census. It is the fourth largest city in the state.Pawtucket borders Providence, Rhode Island and the state of Massachusetts., Inc., a Fortune 1000 toy and game making company, is headquartered in Pawtucket.

 

East Providence is a city in Providence County, Rhode Island, United States. The population was 47,037 at the 2010 census, making it the fifth largest city in the state.

 

Woonsocket (/'w?ns?k?t/ WUUN-sawkit) is a city in Providence County, Rhode Island, United States. The population was 41,186 at the 2010 census, making it the sixth largest city in the state. Woonsocket lies directly south of the Massachusetts state line.The city is the corporate headquarters of Health, a pharmacy services provider. It is home to Medical Center, St John the Baptist Union, the Museum of Work and Culture and the American-French Genealogical Society.

 

Coventry is a town in Kent County, Rhode Island, United States. The population was 35,014 at the 2010 census.

 

Cumberland is the northeasternmost town in Providence County, Rhode Island, United States, first settled in 1635 and incorporated in 1746. The population was 33,506 at the 2010 census.

 

North Providence is a town in Providence County, Rhode Island, United States. The population was 32,078 at the 2010 census.

 

South Kingstown is a town in Washington County, Rhode Island, United States. The population was 30,639 at the 2010 census. South Kingstown is the largest town in Washington County and is the largest town (land and water area) in the state of Rhode Island.

 

West Warwick is a town in Kent County, Rhode Island, United States. The population was 29,191 at the 2010 census.West Warwick was incorporated in 1913, making it the youngest town in the state. Prior to 1913, the town, situated on the western bank of the Pawtuxet River, was the population and industrial center of the larger town of Warwick. The town split because local Democratic politicians wanted to consolidate their power and isolate their section of town from the Republican-dominated farmland in the east.

 

Johnston is a town in Providence County, Rhode Island, United States. The population was 28,769 at the 2010 census. Johnston is the site of the Clemence Irons House (1691) a stone-ender museum and the only landfill in Rhode Island. Incorporated on March 6, 1759, Johnston was named for the colonial attorney general, Augustus Johnston.Insurance company is based in Johnston.

 

North Kingstown is a town in Washington County, Rhode Island, United States, and is part of the Providence metropolitan area. As of the 2010 Census, the population was 26,486 making it the 13th largest municipality in the state. North Kingstown is home to the birthplace of the famous American portraitist Gilbert Stuart who was born in the village of Saunderstown. Within the town is Quonset Point, location of the former Quonset Point Naval Air Station, known for the invention of the Quonset Hut, as well as the neighborhood of Davisville, location of the former Davisville Naval Construction Battalion Center. North Kingstown is the fastest growing township in the State of Rhode Island

 

Newport is a seaside city on Aquidneck Island in Newport County, Rhode Island, United States. It is located 23 miles (37 km) south of Providence, and 61 miles (98 km) south of Boston. Known as a New England summer resort and for the famous Newport Mansions, it is the home of Salve Regina University and Naval Station Newport which houses the United States Naval War College, the Naval Undersea Warfare Center, and a major United States Navy training center. A major 18th-century port city, Newport now contains among the highest number of surviving colonial buildings of any city in the United States. The city is the county seat of Newport County (a county that no longer has any governmental functions other than court administrative and sheriff corrections boundaries). Newport was known for being the city of some of the ""Summer White Houses"" during the administrations of Presidents Dwight D. Eisenhower and John F. Kennedy. The population was 24,672 at the 2010 census.

 

Bristol is a town in and the historic county seat of Bristol County, Rhode Island, United States. The population was 22,954 at the 2010 census. Bristol, a deepwater seaport, is named after Bristol, England.Major industries include boat building (and related marine industries), manufacturing and tourism. The town's school system is united with neighboring Warren, Rhode Island. Prominent ethnic minorities include Luso-Americans (Portuguese-Americans), mostly Azorean, and Italian-Americans.

 

Westerly is a town on the southwestern shoreline of Washington County, Rhode Island, United States. Founded in 1669 by John Babcock, it is a beachfront community on the south shore of the state. The population was 22,787 at the 2010 census. The town is part of the Norwich�New London, Connecticut, New England city and town area.On the western border of Westerly flows the Pawcatuck River, once renowned for its own species of Westerly salmon, three of which are on the town's crest. The Pawcatuck River flows from some fifteen miles (24 km) inland, emptying into Little Narragansett Bay. The Pawcatuck River also serves as the boundary between Westerly and Pawcatuck, Connecticut. Along the coast of Westerly lie salt ponds, which serve as shallow reeflike pools, whose outer walls form the long, white beaches for which the town became renowned. From west to east, these ponds are called Maschaug Pond, Winnapaug Pond, and Quonochontaug Pond. The town also has a fresh water lake, Chapman's Pond, which is undergoing revitalization. A type of granite, known as Westerly granite, has long been quarried here. Westerly granite, ideal for statuary, has been used in numerous government buildings of several states along the eastern seaboard. The Westerly area was known for its granite and stone-cutting industry.Westerly becomes a large tourist attraction during the summer months during which the population nearly doubles. From east to west, well-known beaches include Weekapaug Beach, Westerly Town Beach, Misquamicut State Beach, East Beach and Watch Hill Beach.Washington Inc, a publicly traded regional bank with operations in Rhode Island and Connecticut, is headquartered in Westerly.

 

Smithfield is a town in Providence County, Rhode Island, United States. It includes the historic villages of Esmond, Georgiaville, Mountaindale, Hanton City, Stillwater and Greenville. The population was 21,430 at the 2010 census.

 

Lincoln is a town in Providence County, Rhode Island, United States. The population was 21,105 at the 2010 census. Lincoln is located in northeastern Rhode Island, north of Providence.Lincoln was settled in the 17th century and several colonial stone-enders still exist in the town. Lincoln Woods State Park is located within the town. The Hassaquansett tribe originally inhabited the area.Limestone quarrying has occurred there since colonial times at the village of Lime Rock. Lincoln was a part of the town of Smithfield until 1871, when it was split off and named in honor of Abraham Lincoln. Lincoln became an important mill town in the late 19th century, with many textile factories running along the Blackstone River. Lincoln's villages include Manville, Albion, Lime Rock, Londsdale, Fairlawn, Quinnville, and Saylesville.Very recently, the town was ranked #63 in Money Magazine's ""Best Places to Live"".Lincoln is in the lower Blackstone Valley of Rhode Island and in the John H. Chafee, Blackstone River Valley National Heritage Corridor, New England's historic National Park area.

 

Central Falls is a city in Providence County, Rhode Island, United States. The population was 19,376 at the 2010 census. With an area of only 1.29 square miles (3.3 km2), it is the smallest and most densely populated city in the smallest state, and the twenty-fourth most densely populated incorporated place in the United States. It is also one of only four incorporated places in New England that have a higher population density than the city of Boston. (It is third, behind Somerville and Cambridge, and ahead of Chelsea, all Boston suburbs.) Central Falls takes its name from a waterfall on the Blackstone River.In May 2010, Central Falls went into receivership, then filed for bankruptcy August 1, 2011. As it is immediately north of Pawtucket, Rhode Island, one of the options under discussion is municipal merger.

 

Portsmouth is a town in Newport County, Rhode Island, United States. The population was 17,389 at the 2010 U.S. Census.

 

Barrington is a town in Bristol County, Rhode Island, United States. The population was 16,310 at the 2010 census.In July 2005, CNN/Money and Money magazine ranked Barrington sixth on its list of the 100 best places to live in the United States.

 

Middletown is a town in Newport County, Rhode Island, United States. The population was 16,150 at the 2010 census. It lies to the south of Portsmouth and to the north of Newport on Aquidneck Island, hence the name ""Middletown"".

 

Burrillville is a town in Providence County, Rhode Island, United States. The population was 15,955 at the 2010 census.It was incorporated as an independent municipality on November 17, 1806 when the Rhode Island General Assembly authorized the residents of then North Glocester to elect its own officers. The town was named for 19th century United States senator James Burrill, Jr. who was then the Rhode Island Attorney General.

 

Narragansett is a town in Washington County, Rhode Island, United States. The population was 15,868 at the 2010 census. However, during the summer months the town's population more than doubles to near 34,000. The town is colloquially known as ""Gansett"". The town of Narragansett occupies a narrow strip of land running along the eastern bank of the Pettaquamscutt River to the shore of Narragansett Bay. It was separated from South Kingstown in 1888, and incorporated as a town in 1901.For geographic and demographic information on the village of Narragansett Pier, which is part of Narragansett, see the article Narragansett Pier.According to Narragansett's 2012 Comprehensive Annual Financial Report, the top employers in the city are:

 

Tiverton is a town in Newport County, Rhode Island, United States. The population was 15,780 at the 2010 census.

 

East Greenwich is an affluent town in the county seat of Kent County, Rhode Island, United States. The population was 13,146 at the 2010 census. East Greenwich is the wealthiest municipality within the state of Rhode Island.Formed as Greenwich in 1677, it was named for Greenwich, England. It was renamed Dedford in 1686 but reverted to its original name in 1689. In 1741 the more rural western three-quarters of the town was set off as West Greenwich, the remaining quarter of it thenceforth being called East Greenwich. Until 1854, it was one of the five state capitals for Rhode Island. The General Assembly, when meeting in East Greenwich, used the local courthouse, which is today the town hall. East Greenwich Village is located in the northeastern part of the town and extends north about 1.5 km into the town of Warwick, Rhode Island. The town is now known for its waterfront and downtown business district.

 

North Smithfield is a town in Providence County, Rhode Island, United States, settled as a farming community in 1666 and incorporated into its present form in 1871. North Smithfield includes the historic villages of Forestdale, Primrose, Waterford, Branch Village, Union Village, Park Square, and Slatersville. The population was 11,967 at the 2010 census.

 

Warren is a town in Bristol County, Rhode Island, United States. The population was 10,611 at the 2010 census.

 

Scituate (i/'s?t?u??t/) is a town in Providence County, Rhode Island, United States. The population was 10,329 at the 2010 census.

 

Glocester is a town in Providence County, Rhode Island, United States. The population was 9,746 as of the 2010 census. The villages of Chepachet and Harmony are in Glocester. Putnam Pike (U.S. Route 44) runs through the center of Glocester into Connecticut.

 

Exeter is a town in Washington County, Rhode Island, United States. Exeter extends east from the Connecticut border to the town of North Kingstown. It is bordered to the north by West Greenwich and East Greenwich, and to the south by Hopkinton, Richmond, and South Kingstown. Exeter's postal code is 02822, although small parts of the town have the mailing address West Kingston (02892) or Saunderstown (02874). The population was 6,425 at the 2010 census.Exeter was named for the Earl of Exeter.

 

West Greenwich is a town in Kent County, Rhode Island, United States. The population was 6,135 at the 2010 census. West Greenwich was named for Greenwich, Kent, England. It was separated from East Greenwich in 1741.

 

Jamestown is a town located in Newport County, Rhode Island, in the United States. The population was 5,405 at the 2010 census. Jamestown is situated almost entirely on Conanicut Island, the second largest island in Narragansett Bay.

 

Foster is a town in Providence County, Rhode Island, in the United States. The population was 4,606 at the 2010 census.

 

Little Compton is a town in Newport County, Rhode Island, United States. Its population was 3,492 at the time of the 2010 census.[1] Little Compton is located in southeastern Rhode Island, between the Sakonnet River and the Massachusetts state border. It is the birthplace of the Rhode Island Red hen.

 

New Shoreham is a town in Washington County, Rhode Island, United States. The town is coextensive with Block Island. The population was 1,041 at the 2010 census, making it the least-populous municipality in the state. New Shoreham was named for Shoreham, Kent, in England.[citation needed]Historic Harbor Church, founded on October 23, 1765, is located at 21 Water Street in New Shoreham.

 

"

 

Rhode Island

 

Rhode Island Cities

 

The American Trucking Association
states that there around
195,000 truck drivers with transportation
companies and
300,000 personal service providers trucking
firms licensed to
run in the United States that transported,
according to their newest searchings for billions of
items, materials and
basic materials .
There are several typical
carriers either going solo or in
groups on our nation
roadways transferring these
important products to our
shops, manufacturing facilities and harbors.

Plus freight factoring
companies aid
numerous of them and offer their
receivables financing services
nationwidecomprising
including the following states.

: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho State, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming

 

Rhode Island's traditional manufacturing economy has diversified and is now also based on services, trade (retail and wholesale), and finance. In spite of this, many of the products for which Rhode Island is famous are still being manufactured. These include jewelry, silverware, textiles, primary and fabricated metals, machinery, electrical equipment, and rubber and plastic items. Tourism and gambling are also important. Agriculture is relatively unimportant to the economy. Most of the farmland is used for dairying and poultry raising, and the state is known for its Rhode Island Red chickens. Principal crops are nursery and greenhouse items. Commercial fishing is an important but declining industry. Narragansett Bay abounds in shellfish; flounder and porgy are also caught. Naval facilities at Newport contribute to the state's income

 

 

 

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Life of a Truck driver, like many other professionals can be very challenging, rewarding, and frustrating at the same time. �The com� is an information site for many of the Truckers needs. It is designed to encompass the needs of the Trucker, both on the Road and at Home.

List of Trucking Companies for Owner/Operators and Company Drivers

 

Searching for the right trucking companies to move your freight can be tough, with the large amount of local, regional, and national truck carriers out there. Center helps make freight shipping simple, finding you the safest, reliable trucking companies every time you ship. Trucking companies are licensed and insured to carry freight safely and efficiently across the country, no matter the size or type of freight you need to ship.Plus, with the high volume of freight we move, we will work to get you the best freight rates possible. Simply enter in a few details below and you�ll see instant freight rates from all the top trucking companies in one easy screen

 

EveryJob is a free service dedicated to helping professional truck drivers find new truck driving jobs with the best trucking companies hiring today!

Locate truck driving jobs by city, state, position andenefits offered. Search current driving jobs and fill out the EZ truck driver application customized for cdl trucking jobs

 

If you're like most drivers, you're looking for a better company in trucking that might be offering the best jobs in terms of pay, freight, and hometime ' not to mention benefits or a sign on bonus. We've got all of our clients listed based on the states where they're hiring, so you can quickly find the best job in your home state. You'll see the very best nationwide trucking companies that have positions available.

 

If you're like most drivers, you're looking for a better company in trucking that might be offering the best jobs in terms of pay, freight, and hometime ' not to mention benefits or a sign on bonus. We've got all of our clients listed based on the states where they're hiring, so you can quickly find the best job in your home state. You'll see the very best nationwide trucking companies that have positions available.

 

The largest trucking companies in the U.S. set a revenue record in 2013, but revenuegrowth slowed for the second year in a row.

The combined revenue of the 50 largest motor carriers rose to $106.6 billion last year, according to The Top 50 Trucking Companies list, based on data prepared by Consulting Group in Pittsburgh.

 

 

"

Since the mid 1980s Fields Truck & Haul have been successfully running their freight business. They've delivered goods for nearly every major industry in the nation and for 20 plus years, business was booming as they've traversed the country in all weather for all clients. During the heady times from 2002 to 2007, Fields was a top rated accounts receivable mastermind of the trucking industry. Very few customers were behind on their bills, and those customers who were late turned in their overdue payments within an acceptable time frame. Times were great for everyone, and the cash was flowing.It was just one year later, in 2008, when the economy in the United States took a sharp decline, and both large and small businesses started to notice the squeeze on their pocketbooks: everyone had suddenly gone silent. Business slowed to a crawl

 

. And worse yet, Fields had noticed during the early part of 2008 that though the bulk of their clients were always on time with payments, the few late-bloomers there were, had seemingly started to spread this illness. Spring changed to summer, summer changed to fall, and the CEO of Fields, Marc Elliott, was beginning to feel very uncomfortable indeed whenever he looked at their weekly Accounts Receivable reports. There was a growing list of clients who now owed them back debt.He had already been to the administrators to ask what the actual problem was. Were they doing things different, or wrong, when it came to collecting overdue accounts? When checking his bookkeeper's records this was definitely not the case. He thought perhaps that he was losing clients to a competitor who offered rock-bottom prices with little to no guarantee of quality performance, and that the folks who owed Fields money had jumped ship and decided to leave him holding the bag.

 

. Perhaps they were unable to pay their debt to him, but were able to meet the costs of a lesser service. But after doing the cursory research for this and talking to friends in the field, he found that alas, no, customers of Fields hadn't gone elsewhere. The had just gone!.This current state-of-affairs was causing Marc Elliott to have some very restless nights. There were goods to ship, employees to pay, trucks to repair and maintain, and continuous overheads that were very extensive when compared to the funds (or lack of) that were incoming. After work he would confide in his wife, Vicki, and neither were unable to stop the constant worry over the lack of funds.""I have a bad feeling, Lin,"" he would say with deep woe.""What could you do differently?"" she would say.Marc would stare off for a moment and then close eyes. In his mind he could clearly see the fleet of trucks purchased over the many years. He could see them on the road, delivering good to all his loyal customers. But then a haze would cover his trucks and his vast fleet would vanish to leave just a few. What could cause this ultimate death spiral of business?""I know what it is,"" said Marc. ""I've relied too long on the profits I receive from invoices alone. For too long I've been allowing our clients to let their accounts become overdue."" All Vicki could do was hold his hand and look at him tenderly. 'We know it is a difficult economy at the moment - perhaps it will take a while for people to get on top of their bills'.""Vicki was trying so hard to support her husband in these worrying times, while Marc was weighed down with the worry of how he was going to handle this situation he found himself in.The next day Marc strolled into his office and was determined to sit down and make every phone call to every client who had owed Fields money. This wasn't really a very efficient way for a Chief Executive to spend his day, and Marc knew he should be overseeing all the other sides of the business, such as shipments and deliveries, approaching prospective customers, or working with his sales team. Even though he was doing something to help his company, he knew he had folks on salary to do just this thing. A waste of time - a waste of money - he had the best intentions, but all the while Marc was realising just how much trouble he was in.After a half day of contacting debtors in vain - they dodged his calls or promised to call back at worst or made minimal interest-only payments at best - he was about to throw in the towel when his secretary Rebeccaerley knocked at his door.

 

""Marc, can I have a word?"" she queried, standing in the doorway.

 

""Sure thing Rebecca, come on in."" Marc leaned back in his chair and looked expectantly at Rebeccaerely.""Well Marc, this afternoon I did some research, trying to work out how we are going to get out of this mess."" She opened up a folder she had been carrying and pulled out a small wad of papers, placing them on the desk in front of him.""Have you ever heard the word factoring?"" she asked.""It does sound vaguely familiar. What is it?"" he said.She began, ""Well, it is really very simple. So basically, factoring invoices would enable us to get paid on the nose for loads that we haul.""Immediately?"" Marc interrupted.""Yes, immediately,"" she continued, ""In a nutshell, it is pretty easy. We start by having a professional account manager review our figures and help us set up a company profile. That profile will also include investigating our accounts receivable aging reports, our existing customer credit limits and so on. Additionally, the factoring will help to determine the creditworthiness of our customers independent of their credit history with our business. It provides a very broad view.""Marc replied cautiously ""I see - and what happens then?""Well, after their review, and we�re approved for a factoring contract, we can negotiate terms and conditions. You'll be surprised at the amount of flexibility, all dependent upon the credit histories and business volume.

 

This company tells us what the cost will be to purchase factoring for our accounts receivable. Once we arrive at a mutual agreement, the funding begins.�Leaning forward, Marc studied the documents very closely.""It sounds too good to be true, Rebecca,"" he said.""Yes, I know; that's exactly what I thought at the beginning. But really, they have guaranteed us experts that do all the legwork, which would free us up here to focus on our clients in good standing and marketing, all that good stuff. And they're flexible Marc,"" she underlined a paragraph on the paper before him.""How flexible?"" he asked.""It seems that they personalize their factoring charges so that the amount they're prepared to work with is commensurate with our client's debt and our needs. Apparently they can figure this all out in two to four days.

 

""It does all sound pretty good, remembering that we are all tapped out now with loans from the bank last year to repair vehicles, and we all know just how tight money is. it is imperative that we keep the business rolling as usual, and every day we go unpaid we are getting closer and closer to dealing with some serious issues in both the short term and the long term,"" said Marc.He took a deep breath and looked at his secretary with something she recognized as hope.""Precisely�. This could be the answer to our prayers: it will solve many problems we are facing due to these unpaid debts.""Marc thought about this and agreed with Rebeccaerley. The customers who were in debt to Fields Truck & Haul were professional resources of the company, but they were also long-standing friends. Marc wasn't prepared to lose these relationships just because they were having financial issues at the moment. He was well aware that the economy was in a bad way and that it might be quite a while before things started picking up. If he did not handle these debtors in the right way, that unknown amount of time could spell disaster for all of them. He did not want to lose business but he also did not want to lose any more money.""Let me go over this tonight Rebecca, and thankyou."" Rebecca nodded, stood up and left the office feeling that she had helped her employer keep on his shirt and hers too.Marc stayed at his desk for a long time, looking over the details they hadn't discussed during their meeting. He wondered if there might be other problems freight factoring could help Fields Truck & Haul with? With his pencil gliding down the sheet he noticed that the factoring company could help fray the cost of fuel with fuel discount cards and fuel advances. Marc was surprised: it said that his company could get up to fifty percent cash advances on load pickups. As a man who hated binding contracts with no room to breathe, he was pleased to see that this factoring company would not make him sign a long term contract, would not make him pay any sign up fees and there was no minimum volume required.""Well, I'll have to tell Norman about this,"" Marc muttered to himself.His son-in-law Norman had liked the idea of Fields so much and revered his father in law for having such business acumen that only two years before, he had gathered the venture capital to begin his own transportation service company. At that time Marc knew the struggles Norman would face, but he still encouraged him to follow his dream. With the economy the way it was, if an established company such as Fields was struggling then the little guys, like Norman, were going to be in even more trouble. But, maybe the answer for both of them was in freight factoring, and Marc was going to find out very soon.Some months later, having successfully gone through the entire process of the application, having experts study his credit history and statements and review his accounts receivable, Marc found that he was starting his journey out of the despair which had been created for him by his delinquent account holders.They adopted reasonable factoring purchase contracts and stopped wasting their own precious time trying to collect debts. They used that time to refocus their efforts in being competitive in new territories. Marc recalled those dismal months when he wasn't aware of freight factoring, and he shuddered at those memories. If Marc hadn't discovered freight factoring at just the right time, his business may not be operating today.

 

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More Trucking Factoring Companies Story Articles

"

The Future of a Trucking Company, and Factoring Jack Morris let the phone ring on his desk. He let his morning coffee cool and left his cigarette to ash itself in the tray, because he is trying to make the biggest decision ever for his trucking company. Morris Trucking Company had reached a turning point and he now had to make a decision as to whether he should sign up with a factoring company, and indeed if this would be a good or regrettable decision for his business.

 

More than forty years ago Jack's father had started this business working as an owner-operator and eventually growing Morris Trucking Company into a fifteen trailer fleet. There had been some hard times when it seemed everything was going to go under and even Jack�s mother strapped herself into a cab to make hauls. His father had worked long enough to see the price of hires drop dramatically during the recession and to see the explosion of fuel prices afterwards. But now things were different: the company was in Jack's hands and he needed to ensure that this business would be left in great shape for his sons.

 

There just never seemed to be enough money to go around, and certainly no spare cash, but to move his company successfully into the future he needed a steady and reliable cash flow. His employees needed to be paid. They all have families and the usual household bills. A few of the refrigerated trailers really needed some maintenance, and in order to stay competitive he really wanted to invest in specialized haulers to meet the increasing requests for loads of agricultural and energy equipment. Every time he had to turn down a request, Morris Trucking looked weak in a very strong market.

 

His father would have told him to wait and to take his time adding on new technology. Jack chuckled, thinking about his father. His father had been against placing GPS units in the cabs. His Dad would say ""Why on earth do you need some stranger telling you to get off the exit that everyone knows has been there for years?� He smiled to himself as he remembered his father poking fun at the other drivers who switched to automatic, even though automatic was quite obviously more efficient (though less manly). His father days were long gone and technology was actually an important improvement for the business such as having Qualcomm to cut down on fruitless time communicating on the phone for bills of lading.

 

Jack believed a successful man is always thinking of his next step. How would he take Morris Trucking to the next level? More importantly, how could he afford it? Business funding was tied up in fuel bills and the mortgage for the garage and office. He just finished paying off the small bank loan for installing satellite radio in the trucks for the guys.

 

He wondered about factoring - was this the answer for him? If he was being honest, he did not really understand how it all worked. It sounded like a ninth grade math problem and he wondered how this would fit into the trucking business. Factoring companies buy your invoices and manage your accounts receivable for a certain percentage of the invoiced amount. The factoring company gives the trucking business its payment right away which allows the business to have continuous cash flow so it can pay employees, buy fuel, and make repairs for upcoming hauls. Without this assistance, you're placed in the position of waiting for payment from your customers, and this can often be thirty days, or more. In those 30 days, a trucking company can�t pay its bills and employees in invoices.

 

Jack had to really consider what his next step was going to be. He had heard of companies charging for same day money transfers, advancing a percentage of the money owed to your business, while the rest is held in a private account if the bill wasn't paid within sixty or more days. Plus it was worse still if the customer didn�t pay up at all because then the factoring company would take it right out of the money supposed to be coming to you! Through the grapevine, he�d also heard about how some companies suddenly slipped you onto a sliding scale of percentages even if you had already signed a lengthy contract for maybe 3% or 7% so there you are with 10% coming as a cost to you out of the freight bill. His friend Ronnie who had a trucking business in Missouri, was run nearly into the ground by a factoring company that charged him the full freight bill on top of the factoring fees. Well, what was the point of going to a factoring company if there was shady business like that going on?

 

But it turned out to be quite easy. All the factoring companies he researched were open about their business practices and very friendly on the phone when he called. Customer service appeared to understand their company and explained in clear, concise English exactly how it all worked. He didn�t mind signing an exclusive contract. He liked the idea of a long term commitment so he knew he wouldn�t have to bother going back and forth to different companies and wasting time filing more forms. He was not charged for a credit check, and in addition he was offered a fuel advance on the pick-up of a load. Many companies offered a non-recourse factoring program that suited him just fine. Also he was happy to hear how much he was offered in terms of percentages on the freight bills. It was good money.

 

For Jack it was quite a relief to be dealing with the factoring company. They were more personable than those loan managers at the bank. He was relieved to note that the factoring companies understood the trucking business and discussed business with him like a respected client, not like someone looking for a handout. The factoring companies were not interested in his credit nor the financial problems his father had experienced in the past. All the factoring company was interest in was the credit of his customers and on their reliability: this worked great for Jack because he and his father had created a very strong and loyal list of clientele over the years. He knew immediately that there would not be any problems when they were contacted by the factoring company regarding their invoices. His clients would not have any problems, nor would they think poorly of Morris Trucking, because the factoring companies handle themselves in such a polite and professional manner, similar to the way his father had managed the business in the past.

 

Jack stepped out of his office to let his secretary know to expect the arrival of the factoring contract shortly. He felt exhilarated by the new possibilities that would make the future of the company fun again and put the stress of the difficult times behind him. With the capabilities of this new cash flow, Jack could actually expand Morris Trucking Company further across the country and perhaps even go international into Canada. He was a happy man again knowing that he had just made a decision which would guarantee the success of his business and his sons would not be inheriting a financial mess.

 

"

 

 

 

 

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Freight Bill

 

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Trucking Factoring  Articles

"

�So It is not a loan?� Dave Arnold asked as he leaned back in his chair, crossing his legs. The woman sitting across the desk from Dave smiled at him, shaking her head.�Not quite,� she said.Dave Arnold owned a small trucking company, and his business had recently fallen on difficult times. Trucking could be a profitable business, and for a little under a decade, it had been for George. His company was called Taylor Trucking, named after both of his grandfathers, Daniel and Isaac. Both of these men had been very hardworking and had set a great example for George.Six months ago disaster struck George's business when two out of his fleet of fifteen trucks were taken off the road.

 

One was involved in a very costly accident, and the other simply rolled over, and headed to the trucking graveyard. The financial security of George's company relied on his full fleet on fifteen being on the road, and missing two trucks was just devastating . Furthermore, buying a whole new truck and fixing the other simply took more cash than Dave had on hand.Paying of bills in the trucking industry is always a major cause for concern for businesses.

 

You could go a month or more before bills were completely paid off. This system works okay as long as no problems arise, but if they do, then things can get quite sticky.Dave wasn�t a bad owner, and he hadn�t messed up. Certain events had occurred that he could not possibly have predicted, and now he had to find a way to protect his business and prevent it from ultimate devastation.That�s where the woman across the desk came in. Her name was Maureen and she worked for a factoring company. He had accidentally come across her company one night when he was working late, searching the internet to see if there was some solution to his financial dilemma.She sat there now, and explained. �it is really not a loan at all: we actually buy your accounts receivable. we are not giving you finance to be repaid later: we are purchasing something from you, and when you can you can buy it back. That way we�re protected from a complete loss, but you�re protected from the outrageous fees you would find in a loan from the bank.Dave nodded. It sounded good to him, almost too good.The woman laughed. �I'm not sure that you believe me,� she chuckled.�No, I do, I just think it sounds a bit too good to be true. I thought I was going to lose my company.�Maureen nodded. �We get that a lot. Listen, I�d hate to see you lose your company. You work hard, you�ve put everything you can into it. We all need help sometimes. That�s what we�re here for.""Well, I'm very grateful that you came to see me today.""It�s right down the road, usually we do it all online, but I didn�t mind swinging on by today,� Maureen said with a smile. �Let�s see what we can do to help you.�And with that they set about making a profile.

 

Dave filled the form out, with Maureen available to help him if he needed it. The completed profile gave Maureen and her company all the information they needed on George's business, and with this information they would determine if this business would in fact be suitable for Factoring. In truth, not all companies were. Some were beyond factoring special brand of help, and sometimes things weren�t even dire enough for it. As Dave completed his form, Maureen listened to his story and she felt quite sure he would be the ideal candidate for Factoring.Maureen took the completed form and placed it in her briefcase. Standing up, she reached over the desk and shook George's hand. He also stood up, and they smiled at each other. They said their goodbyes and Dave walked her to the door, and then returned to his office.All his staff members were there, all seven who worked in his office. Sitting behind his desk once more he could hear the familiar sounds of his office workers going about their daily business.He leaned back and closed his eyes. He felt so drained: he had been flailing helplessly for so long, he just knew his business was going to collapse and probably take him with it. Talking to Maureen though, learning about factoring, it felt like a weight had been lifted from his shoulders. He sat back in his chair and ran a hand through his graying but still thick black hair.The long nights, where he couldn�t sleep. The terrifying panic attacks that occurred regardless of where he was. Already he could feel all the stress start to drain away. He wasn�t out of the woods yet, there was still a lot of work to be done, but he could feel it. He was there, he was on the right path, and he was working to make things right.Dave couldn�t help but think back to when he had first started the business. He had opened a restaurant at age twenty two when he was fresh out of school. It had been really successful. Home cooking in his hometown, and he had done very well.But he had gotten bored. He wasn't passionate about the food industry. He thought long and hard, and then he decided to sell the restaurant. He took half a year off, and in that time he thought to start Taylor Trucking. So he did it. For the second time in his short life he created a company from the ground up. He had been successful.And then the trucks went down, and his success looked to be in flux. He was about to turn fifty. He was concerned that he just did not have the energy left to try and save the business. But giving up wasn't part of his personality either.

 

Just the thought of shutting down, cutting his losses, laying off his workers - the whole thing made him physically sick some nights. He didn�t know how to say quit.And now, because of factoring, he was sure he wouldn�t have to. George's eyes opened, he sat forward in his chair and turned on his computer. He had lots to do. There would be plenty of time later to be thankful, but for now it was time to get back to work.

 

"

 

 

 

More Trucking Factoring Company Story Articles

The reason why Trucking Establishments Work with Factoring Firms.

 

As the owner of your own company, you may likely be more than aware already of the difficulty in making sure that cash flow matters do not become a difficulty down the line. After all, the toughest thing that can potentially happen for your enterprise is to find yourself swept up in a long and troublesome situation that leaves you forever searching for the finances you need on an continuous manner.

 

For just about any firm in this instance, the problem can come for waiting for work to clear up and actually be repaid into your bank account. Bill of sales, checks, and the like can take a while to actually to be taken care of which can easily leave you with momentary capital issues. The good news is, there are opportunities out there for industries to explore-- and one of these is factoring agencies.

 

Factoring companies will, in exchange for your accounts, grant you with the resources right away so you do not need to stress over the waiting time span which could make paying off the bills and getting toolsmore hard. With this sort of setup, invoice factoring can come to be extraordinarily practical for several enterprises who need to avoid a money lure which they have gotten themselves in.

 

Due to the fact that, depending upon the volume of the project, it can take up to 60 days for several businesses to get paid out then it is crucial to blanket your own back and not leave yourself cash short to pay off the expenses. After all, how many enterprises have two months income just occupying there to deal with all their spendings till they get paid?

 

This is especially true of trucking agencies. They have the tendency to deal with lots of statements which means a substantial quantity of collection period demands business owner themselves. Making an effort to get paid out in time can come to be an unbelievable inconvenience and this is exactly why you use truck factoring firms who are happy to help out truckers primarily.

 

As we all determine, trucking is an exceptionally large market with many companies out there employing hundreds of operators. The sad thing is, quite a few of these drivers end up in cash difficulties considering that they are still expecting work from six weeks in the past to actually pay them. When this is the condition for a truck business, turning to factoring providers for help could be the very best alternative left.

 

This implies that a trucking firm can compensate the paychecks of the personnel, keep all the trucks refilled with fuel and continue to escalate, grow and expand without consistently waiting for the funds which is taking too prolonged to come in. Trucking Business enterprises operating without a factoring system put in place are leaving themselves at notable danger, as competitions cash out quickly and carry on to develop.

 

There's absolutely nothing at all to be worried about when it comes to using a Factoring business-- they are not like a bank or a person who is going to leave you with a significant heap of financial debt to repay. You give them legitimate invoices from output you have already completed , you are merely quickening the repayment process.

 

In the Usa, where truck firms flourish, factoring enterprises are not considered accepting loan of in any capacity. This confidential settlement then enables both parties to make money and enjoy a good future-- it provides the factoring provider a warranted resource of money to add to the list and it gives the trucking firm the required finances that they sweated to get.

 

The trucking establishment presents their statements to the factoring agency. The trucking factoring agency then acquire the payment amounts from the trucking company's customers. Factoring has been in existence for centuries and has been utilized for many years by a lot of varied markets-- but none exceeding so than truckers. While you might possibly lose out on a small part of the money, something like 1-3 % depending on who you collaborate with, it signifies that you are obtaining the money today and can actually start off putting the resources to work.

 

Once and for all, an IOU or an invoice is definitely not going to cover overheads, is it? For trucking establishments when the money can be fantastic one day and gone the next, it is up to the vehicle drivers to work sensibly and to make sure they are leaving themselves with a notable volume of time and money to get through the week till they are paid again.

 

So the next instance your trucking business is bearing some momentary capital concerns and you are putting in an excessive amount of time chasing sluggish paying clienteles, why not start off thinking about using a factoring businesses as a means to get your cash and give yourself a more at ease future in the eyes of your trucking crew and your bank dividend?

 

 

 

 

 

 

"

Traditional Bank Loans

 

Finance through a bank loan is the normal, or traditional, way of financing your business. While these loans are handy they are not available to every business. As an example, a newly formed business may not have the required assets to qualify for a bank loan, and even if they did, it is usual practise for a bank to use the business itself as collateral. This means that if you default on your loan payment you could lose your entire business. Plus, the amount you apply for through the bank is the actual amount that you are going to receive. Of course, once that loan has been re-paid, you can always re-apply for another loan.

 

Trucking Factoring Companies

 

Trucking Factoring companies do not give loans, and the money you get from the Trucking Factoring company does not put you in debt. Rather the financing you receive from a Trucking Factoring company is based on money your business has already earned, but have not yet received. Trucking Factoring companies actually purchase your accounts receivable or at least part of them for a percentage of their total worth, Normally around 80%-95%. The amount of money you can receive is based on the amount of money you have earned and the accounts receivable you are willing to �sell.� Once a Trucking Factoring account has been created for you, it will continue for as long as you need it, with the money available continuing to grow as your business grows, and providing cash as you require it.

 

What Are The Benefits Of A Trucking Factoring Company Versus A Traditional Bank Loan?

 

Not every business can benefit from Trucking Factoring account financing because you have to have a business with accounts receivable, however there are many benefits for those who can access this type of finance.

 

1. There is no debt. You do not incur debt as you do with a bank loan because the Trucking Factoring company actually purchases your accounts receivable. One of the main benefits of this kind of financing is that your business credit rating and your personal credit rating will not be affected. Should the unforeseeable happen and your business fails, you will not have to worry about anyone coming after your personal as well as your business assets to pay off a loan. With a bank loan, the debt goes onto your credit report, and even one late payment can adversely affect your businesses credit, and even the ability to get insurance and may even reflect upon your personal credit rating.

 

2. No Collateral Required. Another benefit of using a Trucking Factoring company instead of a traditional loan is that you are not required to provide collateral to the Trucking Factoring company in order to secure financing, because the company �buys� the accounts receivables; not loans you money based on them. Plus, the state of your credit rating is not an issue; however the Trucking Factoring company will run a credit check on your clients whose accounts receivable are being offered for financing. This means that it is easier for new businesses to access the finance they need through a Trucking Factoring company, providing their accounts receivable are in good order. A bank may believe you haven't been in business long enough to be able to cover this risk.

 

3. You'll receive the money faster. Using a Trucking Factoring company means that you'll get the finance quicker. Once the Trucking Factoring company assures itself that the customers in your accounts receivable are likely to pay their debt, the money is usually in the account within 24 hours. With a bank, there are vast amounts of paperwork, then the loan has to be underwritten, which can take months before you actually see the loan if it is approved.

 

4.You receive interest up-front. Unlike a bank loan that continues to build interest that you have to pay the entire time you have your business loan with a Trucking Factoring company, you do not have to continue to pay interest as they take it right off the top, deducting it from the total amount of accounts receivable. So not only are you relieved of those monthly loan payments, but you also do not have to worry about the building up of interest, as every penny in the account is yours to spend on the business.

 

As you can see, there are several benefits that makes considering financing through a Trucking Factoring company over a traditional bank worthwhile. In addition, there are other benefits that a Trucking Factoring company can offer you, outside the scope of a bank. The main benefit is that once you've sold your accounts receivable to the Trucking Factoring company, you are free from having to collect money owed by your customers. The Trucking Factoring company takes over that chore, since it is now their money to collect. Trucking Factoring companies are very good at collecting these debts, saving you the time and effort that you need to devote to your growing company.

 

In addition, since the Trucking Factoring company evaluates the credit quality of your customers prior to purchasing the accounts receivable you gain valuable information into which customers are likely to pay and which ones are not so likely to pay.A Trucking Factoring company is not the only method of gaining access to finance for the running and growing of your business, however it does offer a financing option well worth considering.

 

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