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B2B eCommerce Payment Terms

Realizing the vast need, Ftrans is now offering an integrated payment solution designed specifically for B2B eCommerce. Ftrans delivers online merchants and their customers turnkey ways to manage payment terms (n/30, n/45, leasing, etc.) – right within the checkout process.

Business shoppers shop online with a one-click, no pay checkout option (buy now and pay later). Think of it as a secure, instant, and reusable credit line without the long credit card account numbers to enter.

To get started, business shoppers complete an online application within the merchant’s eCommerce platform. The business shopper simply provides basic information about their business and agrees to the terms and conditions.

Ftrans easily integrates with your eCommerce platform at the point of checkout. Shoppers simply select the payment terms and the application guides them through their desired B2B checkout workflow.

  • Obtain a source of working capital for growth.
  • Increase e-commerce sales to your B2B customers by providing terms.
  • Flex financing that grows as you need it..
  • Ability to serve B2B online customers who prefer not to use credit cards for payment.
  • Extend credit to customers.

Factoring

Factoring facilities from $50,000 to $5 Million. The majority of our clients transition to traditional bank financing within 24 to 18 months. By factoring receivables, clients immediately benefit from improved cash flow; instead of waiting somewhere between 30 and 90 days or longer to receive payment, they will receive approximately 80-90 percent of the receivable in the form of an advance when the receivable is presented to us. In addition, we perform credit checks on customers to uncover any risks and help manage appropriate credit limits. We also provide follow-up service to assist with keeping the client’s customers paying more promptly.

  • Obtain a source of working capital for growth.
  • Relief from responsibility for collection of no-pay and slow-pay clients.
  • Flexible funding program that increases as you increase your sales.
  • Ability to take advantage of vendor discounts.
  • To have funds for payroll and taxes.
  • Extend credit to customers on large orders.

Supply Chain Financing

The role of Supply Chain Finance (“SCF”) is to optimize both the availability and cost of capital within a given buyer-supplier supply chain. Traditional finance products (ABL and Factoring) address only availability and many suppliers are paying higher than average cost of capital. Our SCF  platform provides third-party outsourcing of the payables process and leverages a buyer’s credit quality to obtain favorable financing rates for suppliers. This results in lower cost of capital for the supplier and a healthier supply chain to the buyer.
 

  • Technology – Proprietary technology and legal structures that improve supplier adoption compared to traditional bank programs.
  • No System Integration – Eliminate an expensive and time consuming IT projects implementing large SCF programs. Ftrans’ lite integration only requires a simple export of invoice data via Excel or CSV.
  • Supplier Outreach – Ftrans handles supplier education and on-boarding on behalf of the buyer.
  • Know-Your-Customer (KYC) – Most funders require KYC checks to be performed on suppliers being enlisted as new trading partners. Ftrans collects all KYC information during the supplier on-boarding process.
  • Available Capital and Liquidity – With 90% of liquidity in SCF programs provided by large, global commercial banks, there is a large amount of trade assets, which cannot be covered by such financial institutions. Further regulations such as Basel III might impact the risk appetite and funding capacity of banks and make it more attractive for Ftrans’ non-bank funders and community banks to step in and support SCF facilities.
  • What SCF is Not – SCF is not factoring. With our solutions, 100 percent of each invoice – minus a discount – is paid to the supplier on early payment terms. SCF is an extension of the buyer’s accounts payable and is not considered financial debt for the supplier.

Healthcare Financing

We offer working capital credit facilities from $200,000 to $5 Million with advances up to 90% against net realizable value of the providers’ claims from insurance companies & government healthcare, including Medicare and Medicaid. While most banks will provide a loan for the providers’ real estate or equipment, the healthcare provider may find it more difficult to secure financing to help with growth and to support the ongoing working capital needs of the company. We serve private doctor facilities, skilled nursing and staffing, closed-door pharmacies, rehab centers (physical, substance abuse, and mental health), small hospitals, hospice, assisted living facilities, and imaging centers, etc.

  • Obtain a source of working capital for growth.
  • Ability to understand unique client issues and design flexible healthcare lending solutions.
  • Deeply experienced healthcare lending professionals serving multiple sectors.
  • Integrated with over 30+ practice management software providers allowing easy reporting to the bank.

Asset-Based Lending

ABL is a great solution for businesses that have needs that are outside the realm of what traditional banks can offer. Whether it’s greater leverage, limited covenants, or more flexibility, asset based structures can support ongoing working capital needs of the business.

  • Provides necessary operating capital, eliminating the need to wait for collections on A/R.
  • Provides funding for companies that experience cyclical or seasonal fluctuation in their business cycle.
  • ABL structure usually involves less covenant restrictions, this is offset by more transparent reporting and monitoring occurring between borrower and lender.
  • ABL facilities can be customized to the individual business needs or industry requirements, and allows the borrower more predictable cash flow.

SBA CAPLines

The SBA CAPLine loan is a line of credit from $1 Million to $5 million backed with a guarantee of the U.S. Small Business Administration.

The CAPLine program is the umbrella program under which the SBA helps small businesses meet their short-term and cyclical working capital needs. This is an asset-based revolving line of credit that provides financing for cyclical growth, recurring and /or short-term needs.

  • Manufacturer, distributor, service provider or healthcare
  • Terms up to 10 years.
  • The pricing for your CAPLine loan is more favorable than factoring arrangements.
  • Businesses that are growing or acquisitive.
  • In business for more than one year.