We review your receivables and set one fair, fixed price based on volume, speed of pay, debtor quality and industry type before you sell a single invoice.
Every business that comes to us has its own mix of opportunities and challenges. So we don’t hand you a generic rate sheet and call it a day. We sit down with you, review the receivables you have outstanding, and listen to what your business actually needs. Then we set one flat fee built around that.
Here is what we look at when we price your fee.
| One Flat Fee Off Each Invoice to 120 days | Zero Hidden or Add-On Charges | None Long-Term Contract Required | 1991 Pricing Texas Receivables Since |
Accounts Receivable TurnoverHow fast do your customers actually pay? In under 30 days, or do they stretch to 45, 60, even 90? We may ask to see prior payment history so we can price accurately. |
Your Client BaseAre your receivables spread across many customers or concentrated in a few? And are those customers large, creditworthy companies, or smaller operations? |
Your Type of IndustryTrucking, manufacturing, service, construction, or something else. Each industry has its own payment patterns. We’ve worked with many of them, so we price to fit. If we can’t help, we’ll gladly point you to someone who can. |
Monthly Sales VolumeHow much do you invoice in a typical month, and how much of it do you want to sell to K.W. Receivables? Volume factors into the fee we quote. |
Some factoring companies quote a low headline rate, then pad the bill with charges you never saw coming. We don’t. Your flat fee is the whole cost. Here is what you will never see when K.W. Receivables purchases your invoices.
| ✗ Application fees | ✗ Account setup or origination fees | |
| ✗ Account maintenance fees | ✗ Same day funding fees | |
| ✗ Monthly minimum-volume penalties | ✗ Account termination or exit fees | |
| ✗ Postage fees | ✗ Credit-report fees | |
| ✗ Finance request fees | ✗ Misdirected payment fees | |
| ✗ Online access fees | ✗ Document filing fees |
You’ll know exactly what it costs before you sell your first invoice.
In addition to all the junk and hidden fees, other factoring companies charge an escalating fee from day one that climbs the longer your customer takes to pay. A rate that looks small at 30 days can reach as high as 10 percent by the time a slow invoice clears, which makes it nearly impossible to budget. Some go further and require you to buy the invoice back if it isn’t paid within 90 days or less, which quickly puts the risk right back on you.
Our fee is one flat rate off the face value of the invoice, good for up to 120 days. It does not balloon from day one, and you know the true cost up front. That is the difference between a price you can plan around and a bill you constantly have to brace for.
It is a percentage of the face value of each invoice you factor which is set when we review your receivables. It is based on the 4 factors listed above: how fast your customers pay, the credit quality of your client base, your industry, and your monthly volume. All 4 determine the exact rate.
No. There is no charge to get started and no penalty to stop. We don’t use long-term contracts, so you are never paying to get out of one.
With our flat fee, a slow payment does not inflate your cost the way an escalating rate would until your unpaid invoice reaches 120 days. During that 120 day period a late-paying customer is our problem to chase. Because we are very experienced in professionally managing the collection of your receivables, our purchased invoices almost never reach the 120 day point unless your invoice is disputed, revised or your customer is unexpectedly facing solvency issues.
Call (281) 446-5444 or apply online. We’ll price it around your business, not a template.
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