Business Line of Credit vs Factoring: Which Is Better for B2B Cash Flow?
Factoring sells your invoices and puts a third party between you and your customers. A line of credit borrows against them privately. Here is how they compare.
Insights
Working capital guides for B2B companies
Plain-English explanations of accounts receivable lines of credit, factoring, pricing and the application process, written by the InterNex team.
Business Line of Credit vs Term Loan: Which Is Better for B2B Cash Flow?
How a revolving accounts receivable line of credit compares with a term loan, and when each one is the right tool for a B2B company.
Line of Credit Application Process: Documents, Timeline, and Approval Steps
The documents you need, how underwriting works and what happens between submitting your file and your first draw on an InterNex line of credit.
How Line of Credit Pricing Is Determined
Advance rates, fees, interest and the automated sweep: the four components that determine what a revolving line of credit really costs.
Line of Credit for Staffing and Business Services: An AR-Based Working Capital Guide
How staffing and business services firms use an accounts receivable line of credit to bridge the payroll gap, run efficiently and fund growth.
Case studies
See how it works in practice
Facility Services Allentown, Pennsylvania
$9MM
Non-Notified Revolving Line of Credit
Scalable Working Capital for a Multi-State Facility Maintenance Provider
A multi-state facility maintenance provider serving large commercial and logistics customers needed scalable working capital to support rapid growth, seasonal demand and expanding operations across 15 states.
Transportation & Logistics Lehi, Utah
$7MM
Non-Notified Revolving Line of Credit
Scalable Working Capital for a Rapidly Expanding 3PL
A fast-growing 3PL spun off from an established trucking and logistics company was too new for its bank, and its largest customers would not work with a factor. InterNex provided…
Business Services & BPO Midwest
$6MM
Non-Notified Revolving Line of Credit
Flexible Working Capital for a Growth-Oriented Full-Service Marketing Firm
A long-established Midwest marketing firm needed a new working capital partner after covenant constraints with its bank began to limit its growth. InterNex provided a $6MM non-notified revolving line of…