16 Razones por las que el Factoraje Puede Superar a un Préstamo Bancario

Si usted es dueño de una empresa, o la dirige, muy probablemente conoce los obstáculos que existen cuanto se trata de conseguir financiamiento comercial. Las relaciones con los bancos son importantes, pero algunas veces, no es posible obtener préstamos bancarios. Es en estos casos en los que opciones de financiamiento alternativas como el factoraje, también conocido como financiamiento de cuentas por cobrar, puede ser útil.

El factoraje le permite sacar provecho de las facturas que están pendientes con sus clientes y convertirlas en financiamiento. Usted trabajará con un socio de factoraje, quien le facilitará capital circulante y se encargará de los cobros de esas cuentas por cobrar a cambio de honorarios por sus servicios profesionales.

Cuando una compañía necesita flujo de caja, el factoraje puede ser la solución rápida y fiable que le permita mantener a su negocio encaminado en la buena dirección. A continuación presentamos ventajas adicionales del factoraje que usted tal vez no había contemplado:

1. Obtenga financiamiento más rápido

Si usted necesita comprar suministros, hacer pedidos de productos, pagar nómina o reparar equipos importantes, el factoraje puede obtenerse más rápida y seguramente que los préstamos tradicionales, a veces incluso tan sólo 24 horas después de haber enviado sus facturas. A diferencia de un préstamo tradicional, usted no necesita presentar su declaración de impuestos, estados financieros detallados, planes de negocios, ni proyecciones financieras, lo cual le ahorra valioso tiempo y le evita trámites. Además, los bancos pueden tardarse mucho tiempo en aprobar sus solicitudes, obligándolo de pronto a tener que esperar para cerrar su año fiscal o los resultados de una verificación. En cambio, su socio de factoraje llevará a cabo un proceso inicial de selección de riesgos para aprobar su solicitud, y ya, eso es todo.

2. Flexibilidad – pida dinero prestado cuando lo necesite

La suma que su empresa puede pedir prestada será de hecho mayor, cuanto mayores sean sus ventas. A medida que su negocio crece, usted necesitará más flujo de caja para pagar los suministros mientras que espera a que sus clientes cancelen sus facturas. Así, el factoraje le permite pedir prestado más dinero inmediatamente y seguir con su crecimiento. Comparada con los tradicionales bancos, una compañía de factoraje lo suficientemente grande puede adaptarse a sus necesidades de expansión, de tal modo que usted nunca tenga que recurrir más de lo debido a su línea de crédito.

3. Ningún otro activo es necesario

Para el factoraje, usted solo necesita tener cuentas por cobrar de sus clientes para que su financiamiento sea garantizado. Usted no necesita ningún otro activo como bienes inmuebles, equipos o inventario para poder solicitar fondos, lo cual significa que su residencia o propiedad personal no necesita ser ofrecida como garantía; con los préstamos bancarios tradicionales, por el contrario, esto a veces sucede. (Si, además, usted posee estos activos, también podrá ser admisible para obtener opciones de financiamiento adicionales como los préstamos garantizados por activos).

4. Flujo de caja para darse un impulso cuando lo necesite, ahora y de manera continua

Que usted necesite una solución a más largo plazo o un impulso temporal de flujo de caja, el factoraje puede ayudarlo a salir de un dilema de capital circulante delicado. Todo negocio se halla eventualmente en la necesidad de tener más liquidez a la mano. Gracias al factoraje, tan pronto como se facturan nuevos pedidos, usted puede disponer de liquidez en su cuenta de empresa. Esto le permite aprovechar oportunidades de expansión para las cuales se necesita mayor flujo de caja continuo.

5. Obtenga mayor financiamiento que con los bancos

Un financiamiento ilimitado suena maravilloso. Con el factoraje, el poder de endeudamiento depende del volumen de sus cuentas por cobrar; así, es posible contar con un abundante capital circulante. Los bancos lo calificarán a usted con base en la solidez crediticia de su empresa, mientras que su socio de factoraje mirará sus cuentas por cobrar y la solidez crediticia de sus clientes. Si usted vende productos o servicios a clientes con gran solidez crediticia y las facturas a estos son continuas, el financiamiento que usted puede obtener será considerablemente mayor que el que un prestamista bancario tradicional le puede ofrecer.

6. Haga crecer su empresa como quiere

El tener liquidez instantánea significa que usted puede acelerar su estrategia de crecimiento. Algunas empresas necesitan contratar mayor personal de ventas para asegurar nuevos clientes. Otras necesitarán equipos adicionales para fabricar su producto. Incluso, otras empresas pueden necesitar capital circulante para el mercadeo y la publicidad, mejorar sus oficinas o desarrollar nuevos proyectos. Cualquiera que sea la necesidad, usted dispondrá del capital circulante necesario para llevar sus proyectos a ejecución y expandir su negocio.

7. Aproveche los descuentos de sus proveedores

Los descuentos por volumen o por pagos adelantados, o las ofertas especiales de proveedores son opciones atractivas, pero solo si se dispone del capital en el momento mismo. Los préstamos bancarios tradicionales no son lo suficientemente rápidos, por lo general, para permitirle aprovechar esos descuentos. Pero ahora, usted puede recurrir rápidamente al factoraje de sus facturas y liberar flujo de caja para agarrar las oportunidades cuando estas se presenten.

8. Reduzca su ciclo de conversión de efectivo

La espera de los pagos por parte de los clientes representa toda una carga. Con el factoraje, usted puede reducir su ciclo de conversión de efectivo. En lugar de esperar 30, 60, 90 o más días, de acuerdo con los términos de pago tradicionales, usted recibe el pago de su socio de factoraje en tan solo 24 horas. Al cabo de sus términos de pago originales, usted hubiera podido comprar más productos, hacer más ventas y sacar mayores ganancias.

9. Ahorre tiempo

El proceso de buscar financiamiento y préstamos bancarios tradicionales toma mucho tiempo. Las reuniones, los planes de negocios y las solicitudes ocupan gran parte de su valioso horario, el cual podría dedicarse a otras áreas de su negocio. Con el factoraje, usted tendrá que pasar por el proceso de solicitud, pero una vez aprobado, podrá utilizar sus facturas admisibles al crédito y ahorrar tiempo mientras aumenta su flujo de caja.

10. Reduzca sus costos adicionales

Como su socio de factoraje se encarga de la gestión de sus facturas, incluyendo el cobro y manejo de los pagos de los clientes, los costos relacionados con estos departamentos serán probablemente menores. Esto ayuda a compensar cualquier tarifa adicional y hace del factoraje una solución aún más atrayente. Usted no tendrá un servicio semejante en un banco tradicional.

11. Concéntrese en los nuevos ingresos

Probablemente que usted y su equipo ya han gastado mucho tiempo facturando y cobrando los pagos a sus clientes. Tal vez, demasiado tiempo. Si dichas responsabilidades se quitan de su lista de tareas pendientes, usted puede entonces dedicarse a otras actividades que aumenten sus ingresos, como las ventas, el mercadeo y el establecimiento de relaciones con nuevos clientes.

12. Cobros rápidos

Los cobros profesionales y oportunos representan una gran ventaja cuando se trabaja con el socio de factoraje adecuado. Si una prestigiosa compañía se encarga de los cobros a sus clientes, el resultado puede traducirse en pagos oportunos (los clientes no desean arriesgarse a tener un informe crediticio deficiente). Una vez que el cliente hace su pago final, su socio de factoraje le entregará a usted también su fondo de reserva; así, todos se benefician de los cobros oportunos.

13. Mejores verificaciones crediticias

Su socio de factoraje tendrá también la responsabilidad de verificar el crédito de sus clientes. Esto le ofrece a usted la ventaja de conocer plenamente la solvencia crediticia de sus clientes, incluyendo los nuevos clientes con quienes haya cerrado tratos. Así, la calidad de los clientes que se añaden a su portafolio le permite tomar mejores decisiones crediticias y acrecentar la seguridad de su cartera.

14. Menores costos y mayores inversiones en acciones – y usted mantiene el control

Las inversiones en acciones y capital de riesgo pueden ser alternativas a los préstamos bancarios tradicionales, pero al igual pueden exigir mucha más rentabilidad que lo que representan los costos asociados con el factoraje. Además, es posible que le pidan acciones de su compañía, lo cual hace que se diluya su participación como accionista mayoritario. Esto incluso puede ocasionar que el control de su empresa pase a manos de los inversionistas. El factoraje, por su parte, no le exigirá renunciar a ninguna de las acciones de su empresa.

15. Protección contra una mala deuda

En ciertas circunstancias, algunas compañías de factoraje ofrecen factoraje sin recurso, lo cual significa que el socio de factoraje asume el riesgo si alguna factura queda sin pagar. Este tipo de factoraje le ofrece una protección adicional contra una mala deuda – para algunas compañías, cierto grado de protección puede ser muy importante.

16. Mejore su estado de cuentas

El factoraje no es lo mismo que recibir un préstamo. En sus registros, un préstamo quedaría marcado como un «adeudo», lo cual implica una responsabilidad. En cambio, con el factoraje, no se adquiere una deuda: su socio de factoraje está comprando sus cuentas por cobrar con liquidez, reduciendo así su estado de cuentas adeudadas. El resultado será una deuda más baja con respecto al capital propio, lo cual puede de hecho mejorar su posición financiera en los registros.

El factoraje puede ser una opción extremamente atrayente para las empresas, sin importar en qué fase se encuentren. Si le interesa obtener mayor información acerca de la manera en la que esta solución puede servirle precisamente a su empresa, póngase en contacto con nosotros. Será un placer conversar con usted.

Recent funding illustration

Recent Fundings – May 2017

Conference room

A Presentation That Pays Off with Future Sales

The success of a presentation begins with its very first sentence. Ask yourself what will be most interesting to your attendees. Is there new research or data within their industry that can help their businesses run more efficiently? Maybe there’s a recent success story that may impact their mindset about a new technology in the marketplace?

Not every presentation needs to be exactly like Steve Jobs would have done it, or in the style of a famous TED Talk, but there are some key points that will captivate your audience and keep their attention — helping you close deals. Follow the tips below to prep for your next presentation and stand out in front of the crowd.

What makes an amazing presentation?

Experts at CustomShow, a sales presentation platform, stress that capturing your audience’s attention with a strong opening will engage their minds, enabling the presenter to effectively convey his entire message. Their advice: “In general it is not a good idea to memorize your entire speech. It is, however, a good idea to memorize the beginning four to 10 sentences. This is critical because it allows you to feel confident and ride the wave of confidence as you continue your presentation.” For additional ideas, view How To Start A Presentation Tips And Tricks – 22 Powerful Strategies on their website.

The mechanics of speaking will in itself make a difference in the effectiveness of your presentation, too. Your voice speaks volumes about your confidence and will reflect, rightly or wrongly, on how you feel about the topic. Therefore, speaking clearly and confidently is important.

4 ways your speaking voice matters

You’ll find many useful tips for prepping your voice at SkillsYouNeed.com. Its primer on Aspects of Effective Speaking provides useful exercises on increasing your comfort in developing a speaking voice, using breath to improve your voice and the four important aspects of voice when making a presentation:

  1. Accents
  2. Finding your voice
  3. The effect of breath on voice and speech
  4. Vocal production

One example of how your voice matters is inflection. For example, when a person asks a question, the last word of the sentence typically goes up in tone at the end. Sometimes when speakers are uncomfortable with a subject or nervous about their situation they fall into a rhythm that ends every sentence on a high note, whether it’s a question or a statement. This leaves an impression of uncertainty. Practice your presentation, record it and listen for proper inflection. Strong statements should finish with a steady or lower tone. Make sure your voice varies appropriately.

Make the content memorable

Equally important, of course, is the content. You have earned a precious opportunity to stand in front of an audience that includes prospective clients. Show them how much you value their time and how you intend to make it pay off. Talk with knowledge about the audience’s industry or needs. Share important trends or information relevant to their needs.

While your talk may include a scripted explanation about your company’s services, make certain the bulk of your presentation offers in-depth information that makes for useful takeaways. When you do so you’ll build trust and that is the first step toward opening the door to business after the presentation.

A magician illustration

7 New-School Digital Marketing Tricks For Your SMB

new school marketing tricks

We’ve shown you how you can leverage seven old-school marketing tricks for your small and medium-sized business. Of course, old-school isn’t the only way, and you can always teach a dog new tricks.

Our business is all about helping other businesses get access to funding and grow. But aside from finances, part of business growth is understanding how to take advantage of trends—in this case, digital marketing tactics that help you connect with your customers.

Here are seven new-school and actionable ways to take advantage of digital marketing tactics for your SMB.

1. Help people take action on your website

Your website should be the center of your online strategy to build trust and describe your products, services and business values. So make sure your customers keep reading. How do you do that?

Put calls-to-action, known as CTAs, on every page. Make them clear, concise and obvious. What action do you want your readers to take? If you want them to subscribe to your newsletter, then include a sign-up form directly on that page. If you want them to call a rep, then make that number front and center (and clickable on mobile devices). And if you want them to read more content, then include widgets with catchy headlines to the next pages and blog articles.

Review your site and list the pages that are missing a CTA and ones that can be improved. Then make a plan to fix that.

2. Blog once a week

There are so many advantages to building a thought-leadership section to your website. And it doesn’t have to be hard.

Use this list of blog headline starters from Co-Schedule to come up with some initial ideas. Then create a quick and easy publishing calendar on Excel that shows the topics you’ll publish each week. Voila! You’re blogging. Start with articles around 500 words long, and always answer the question, “How will my customer benefit from this?”

Blogs keep your website up to date with new content, which will improve your Google ranking. By updating your blog at least once a week, Google will have new material to scan and your customers will have a reason to return. Not sure where to start? For starters, check out How to Start a Blog from First Site Guide, which details exactly what it takes to turn your blog from concept to reality.

how to start a blog

The team at First Site Guide walks you through their “five easy steps to starting a blog” including:

  1. Choose a blogging platform
  2. Pick a domain name
  3. Get a web hosting account
  4. Install blogging software and set up a blog
  5. Select a blog design and layout

Once you’ve got a blog up and running, it’s important to share every article—not once or twice, but multiple times on Twitter, Facebook, LinkedIn, Pinterest, YouTube and more. If you have evergreen content (it doesn’t go out of date), then you can continue to share it over the next quarter and year.

3. Find the right keywords to improve your SEO

SEO (Search Engine Optimization) is extremely important for the growth of your digital marketing. By adding the right keywords on your website, customers will be able to find you when they search for certain topics on Google. For example, if you make incredible birthday cakes you should be found when someone searches “best cake for kid’s birthday party” and similar terms.

It’s all about making sure that people can find your business website. Make this a priority – whether you learn more out about it yourself or hire an SEO expert to help out. Start with these steps:

  • Use your blog to add even more of the right keywords, which allows you to stay up-to-date with current trends in your market.
  • Check what your competition is talking about on their website, blog and social media sites, then include those topics in your blog so you can be found by prospects.
  • If there’s a new innovation in your industry, blog about it and make use of those strategic keywords so people will find you when they’re searching for info about that hot topic.

How do you find the right search keywords? One of the most trusted resources is the Google AdWords Keyword Planner Tool, but it can get complicated. If you’re just starting out, try Wordtracker to get a sense of the type of keywords searched around specific topics.

For a crash course in SEO, check out this page from Moz.

4. Find the right followers on Twitter

We all know the potential value in Twitter as a business-friendly social media platform. But how do you grow your following and find the right demographics that meet your target market. Enter a host of free tools (yes, free!) that can help you do that in a somewhat automated way.

  • ManageFlitter: A great tool to find active Twitter users who are in your target geography and industry. Make use of the “refine search” function to find the right Twitter users. Then follow people using the automated feature (some paid options) to set it and forget it. Come back a couple days later and see who followed you, then unfollow the ones that didn’t. You’ll maintain a symbiotic Twitter relationship that way.
  • Tweepi: Another similar tool, but check out their “Follow List” feature that allows you to easily follow Twitter users from someone’s list – an often overlooked tactic.
  • Followcheck: Although the search options aren’t as robust as ManageFlitter, this tool gives you two great features. One is their “Sleepers” list that shows your inactive followers (ditch them!) and the other is their F/F ratio in the Search function. Follow users with 70 – 100% F/F ration for a better chance of them following you back.

5. Update your website with a “responsive design”

Over 50% of web traffic is now reported to come from smartphones and tablets these days. So your website better look great and perform even better on mobile devices.

Many sites have what is called a “responsive design,” meaning the layout of the site will adjust to fit any screen or device. Companies like Womp Mobile can help turn your existing site into a responsive design.

If you’re not sure how your site looks on mobile devices, it’s time you find out. Go to MobileTest.me, select a mobile test, enter your website URL and presto – you’ll see what it looks like. Take a test drive and see if it’s a positive experience. If you’re having problems with your own site, you know your customers won’t be too happy either.

6. Narrow in on your target marketing with Facebook Advertising

Your online advertising should also target mobile users. Facebook claims that two-thirds of its customers access their sites via mobile devices, so advertising there can be a potential boon for your business.

Facebook allows you to easily set up your own ads and adjust your campaigns at the click of a mouse. Select demographics like the age, gender, region and even relationship status of the people you want to reach. Its analytics let you measure and evaluate your investment, so you’ve got a lot of control.

The best advice here is to test, test, test. Because you have so much control of your ads, you can A/B test your ad copy and images, but you can go further and test your actual market. Find out if millennials like your brand more than Gen X. Discover if Texas outperforms California. Or see if people who make $50K a year click more than those who make $100K.

When using Facebook, remember that it’s more consumer focused than Twitter and LinkedIn, so make sure your posts are friendly and provide a real benefit to the market to keep your fans hooked.

7. Show off your work on LinkedIn

If you’re in a visual business like web design, graphic design or photography, there’s obvious reason to show off your work. But it’s also important for industries like manufacturing, transportation, oil and gas, or even for staffing companies.

How do you do this? On your personal LinkedIn profile, click on the “Add Media” icons within your work experience sections. You’ll have the ability to add documents you’re proud of, presentations you have created or given at conferences and events, websites you may have launched or blog articles you’ve penned. This is very important for your current work experience, as your customers and prospects will find you online. You need a well-rounded profile that shows off your talents and expertise in your current position. That builds trust.

If you run your Company Page on LinkedIn, start to do the same thing. But use your updates as a way of showing off your company assets like websites, blog posts, whitepapers, eBooks, events and other social media profiles. Pepper all of these amazing assets into your social publishing calendar to show your followers a better view of your business.

One last tip—make sure you include your contact info so you can be easily reached. You may not want to publicly display a direct phone number or email address, but including your general company phone number, a general inbox address for inquiries or even your Twitter handle is a great way to stay connected.

Do you have a new-school digital marketing tip that your business has used effectively? Tell us in the comments section.

Touch screen mobile phone

Amplify Your Business With Mobile Apps

mobile app growth

Are you up-to-date on the best apps for business?

Important hallmarks of successful entrepreneurs include the ability to maximize personal productivity and to find streamlined ways to manage both your tasks and employees. Fortunately, technology aptly zeros in on these qualities, offering an ever-changing array of mobile app solutions.

Top rated marketing apps

Aaron Strout, president of global integrated marketing and communication agency WCG, blogs monthly for Marketing Land, a daily online publication that covers all aspects of the digital marketing industry. His focus is to highlight the best apps for marketers.

Strout’s Top 20 Most Useful Business Apps feature both newer and tried-and-true recommendations covering everything from self-management to travel, social media, enterprise productivity and collaboration apps. Three examples:

  1. Expensify – scan and categorize receipts to manage expenses on the go
  2. Confluence – create documents, organize plans and collaborate with others digitally
  3. LinkedIn – still a leader in business network apps, recently upgraded to be faster and more useful

Cloudwards 30 apps for business efficiency

Cloudwards has prepared their own list of trend setting apps for business, which focuses on ways to take your office efficiency to whole new level. “Small businesses usually have limited budgets as well as only a handful of staff. The idea behind using the apps below is that of maximizing productivity and so save you time and money.”

Cloudwords 30 app ideas for business

The list includes favorites for accounting, scheduling, cloud storage, data backup and productivity, but our three highlights include:

  1. Quickbooks Online – a cloud-based accounting app that helps you keep on top of your accounting and invoicing
  2. Doodle – a brilliant solution for scheduling meetings based on team member availability. Do yourself a favor and check it out asap.
  3. Google Drive – part of the Google family of products, Drive is touted as the “holy grail of cloud storage” and a must-have app for any business

Security and mobility top the list of app concerns

The website tech.co, featuring startup news, events and mobile resources, shares even further app advice in their article, Prepare For These Mobile App Predictions. The list counsels businesses to use apps to create “more personal engagement with consumers.”

It also hails enterprise mobility (basically handling business infrastructure and connection to staff, consumers, etc. via apps) as a key trend for this year. As you might guess, app security is also a hot topic.

Develop your own app like a pro

There are apps for building apps as well. One handy tool is BuildFire, a leading global mobile application development platform choice for businesses, organizations, professionals, and resellers. The intuitive system and US-based customer support helps thousands of users build mobile apps every week. In fact, more than 50,000 businesses have already used the “click and edit” platform to create custom mobile apps for smartphones, tablets and mobile websites – no technical skills are necessary. It’s free to build your app, followed by reasonable monthly fees once published. 

Getting on board with mobile technology is definitely worthwhile. Recently Gartner Inc., a world leader in IT research and advisory, announced by 2018, 50 percent of consumers in mature markets will use smartphones or wearables for mobile payments. “Innovation in apps, mobile devices and mobile services are impacting traditional business models, particularly in the way people use personal technology for productivity and pleasure,” said Amanda Sabia, principal research analyst at Gartner. “Product managers must understand who their customers are for these new devices and services, and how the products are being used. Knowing your customer is imperative in order to capture a fair share of spending opportunities in this dynamic marketplace.”

This article originally appeared on Liquid Capital on February 5, 2016, with new updates added in April, 2017.