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Factoring is an increasingly popular alternative method of financing<\/a><\/span> for entrepreneurs. And that is not surprising, because factoring is the way par excellence to receive money at very short notice for work completed earlier, for which the invoice sent has not yet been paid.\u00a0 A total of three types of factoring can be distinguished: traditional factoring, American factoring and reverse factoring. But how do these types of factoring actually work and to what extent do they differ from each other and what are their advantages and disadvantages?<\/p>\n Traditional factoring<\/a> is traditionally the original form of factoring. In traditional factoring, you often receive a revolving credit from the factor over a longer period of time. This credit is based on the total debtors you currently have outstanding. On the other hand, with traditional factoring, you have the obligation to transfer all your debtors to the factor. This means you have to sell all your invoices<\/a><\/span>, where with other forms of factoring you have more freedom in which invoice you do or do not sell.<\/p>\n Because a minimum turnover must be met in order to use traditional factoring, this form of factoring is especially suitable for larger companies. Traditional factoring is therefore less accessible than other types of factoring. On the other hand, when you meet the requirements for traditional factoring, contracts are often entered into for a longer period of time – usually several years. As a result, you are therefore assured of a long-term collaboration, which also ensures relatively simple administration – after all, all invoices go through the factor.<\/p>\n American factoring is probably the most well-known and well-known type of factoring. This is for a number of reasons. First of all, the requirements to use American factoring are a lot lower than for other types of factoring. Because American factoring is a lot more accessible than, say, traditional factoring, it is ideally suited to self-employed factoring<\/a><\/span> or SME factoring<\/a><\/span>.<\/p>\n American factoring is not only a lot more accessible than traditional factoring; American factoring is also a lot more flexible. Whereas with traditional factoring you are required to sell all invoices to the factor, with American factoring you can choose which invoices you do and do not sell. So, do you send fewer invoices to the factor one time, or perhaps no invoices at all? In that case, you won’t have incurred any costs. One disadvantage of American factoring: the factor has the right to reject an invoice for factoring. This often has to do with the creditworthiness of the customer whose invoice you are selling. If this is deemed too low by the factor, the invoice in question may be rejected.<\/p>\n Are there invoices you need to pay, but cannot manage to do so within the legal payment period<\/a><\/span>? In such a case, reverse factoring is ideally suited. The name actually says it all: reverse factoring is a type of factoring that actually works the other way round. Whereas American factoring and traditional factoring are about getting money in earlier for invoices sent, reverse factoring is about ‘buying’ more time to pay an invoice. Here, the factor ensures that the amount in question is paid to the creditor within the set payment period, after which you are granted a longer payment period by the factor.<\/p>\n As an entrepreneur, do you have outstanding invoices from a creditor? Then it can often be a good solution for both parties to place the invoices with a factor. As a result, the creditor gets its money faster and the debtor gives himself longer to complete the payment.<\/p>\n One drawback to reverse factoring: the creditworthiness<\/a><\/span> requirements – in order to minimise non-payment – are relatively high. Moreover, reverse factoring often involves partnerships for longer periods. It makes reverse factoring relatively high-threshold to get started. Moreover, the debtor must be willing to cooperate in factoring in order for the creditworthiness to be assessed.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” max_width=”700px” custom_padding=”2px||4px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_url=”\/en\/news\/” button_text=”Back to the news page” module_class=”btn-back” _builder_version=”4.18.0″ _module_preset=”default” custom_button=”on” button_text_color=”#001194″ button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”#||divi||400″ button_icon_placement=”left” button_on_hover=”off” global_colors_info=”{}” button_text_color__hover_enabled=”off|hover” custom_padding__hover_enabled=”off|desktop” custom_padding__hover=”|||59px|false|false”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.24.0″ _module_preset=”default” background_color=”#000A54″ custom_padding=”||||true|false” hover_enabled=”0″ saved_tabs=”all” global_colors_info=”{}” sticky_enabled=”0″][et_pb_row _builder_version=”4.24.0″ _module_preset=”default” custom_padding=”||||true|false” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” header_font=”|700|||||||” header_text_color=”#ffffff” header_line_height=”2em” header_2_font=”|700|||||||” header_2_text_color=”#ffffff” header_2_font_size=”46px” header_2_line_height=”2em” header_3_font=”|700|||||||” header_3_text_align=”center” header_3_text_color=”#ffffff” header_3_font_size=”25px” header_font_tablet=”” header_font_phone=”” header_font_last_edited=”on|desktop” header_line_height_tablet=”1.8em” header_line_height_phone=”1.4em” header_line_height_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”32px” header_2_font_size_last_edited=”on|tablet” header_3_font_tablet=”” header_3_font_phone=”” header_3_font_last_edited=”on|phone” header_3_line_height_tablet=”” header_3_line_height_phone=”1.8em” header_3_line_height_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n [\/et_pb_text][et_pb_button button_url=”https:\/\/www.factris.com\/en\/eligibility\/” button_text=”See if I qualify” button_alignment=”center” module_class=”btn-tertiary-2″ _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”$||divi||400″ button_icon_color=”#ffffff” button_on_hover=”off” custom_margin=”||||false|false” custom_padding=”||||true|true” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_button][et_pb_button button_url=”https:\/\/onboarding.factris.com\/en\/sign-up” button_text=”Finance my invoices” button_alignment=”center” _builder_version=”4.16″ _module_preset=”default” button_icon=”$||divi||400″ button_icon_color=”#353540″ button_on_hover=”off” custom_margin=”||18px|||” custom_padding=”10px|40px|10px|25px|true|false” global_colors_info=”{}” custom_padding__hover_enabled=”on|hover” custom_padding__hover=”|50px|||true|false”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Different types of factoring Factoring is an increasingly popular alternative method of financing for entrepreneurs. And that is not surprising, because factoring is the way par excellence to receive money at very short notice for work completed earlier, for which the invoice sent has not yet been paid.\u00a0 A total of three types of factoring […]<\/p>\n","protected":false},"author":1,"featured_media":17126,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"[et_pb_section fb_built=\"1\" _builder_version=\"4.16\" _module_preset=\"default\" custom_padding=\"40px|||||\" global_colors_info=\"{}\"][et_pb_row _builder_version=\"4.16\" _module_preset=\"default\" max_width=\"700px\" custom_padding=\"2px||4px|||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_button button_url=\"\/nl\/nieuws\/\" button_text=\"Naar de nieuwspagina\" module_class=\"btn-back\" _builder_version=\"4.16\" _module_preset=\"default\" custom_button=\"on\" button_text_color=\"#001194\" button_bg_color=\"rgba(0,0,0,0)\" button_font=\"||||on||||\" button_icon=\"#||divi||400\" button_icon_placement=\"left\" button_on_hover=\"off\" global_colors_info=\"{}\" button_text_color__hover_enabled=\"off|hover\" custom_padding__hover_enabled=\"off|desktop\" custom_padding__hover=\"|||59px|false|false\"][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\"4.16\" _module_preset=\"default\" max_width=\"700px\" custom_padding=\"37px|||||\" global_colors_info=\"{}\"][et_pb_column type=\"4_4\" _builder_version=\"4.16\" _module_preset=\"default\" global_colors_info=\"{}\"][et_pb_text _builder_version=\"4.16\" _module_preset=\"default\" header_text_color=\"#00305e\" header_font_size=\"46px\" header_line_height=\"1.4em\" header_2_font=\"|700|||||||\" header_2_text_color=\"#000a54\" header_2_font_size=\"27px\" header_2_line_height=\"1.2em\" header_3_text_color=\"#000a54\" header_3_font_size=\"25px\" header_3_line_height=\"35px\" header_4_text_color=\"#000a54\" header_4_font_size=\"21px\" header_4_line_height=\"29px\" global_colors_info=\"{}\"]\nTraditional factoring<\/strong><\/h2>\n
Advantages of traditional factoring<\/span><\/strong><\/h3>\n
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Disadvantages of traditional factoring<\/span><\/strong><\/h3>\n
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American factoring<\/strong><\/h2>\n
Advantages American factoring<\/span><\/strong><\/h3>\n
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Disadvantages of American factoring<\/span><\/strong><\/h3>\n
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Reverse factoring<\/strong><\/h2>\n
Advantages of reverse factoring<\/span><\/strong><\/h3>\n
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Disadvantages of reverse factoring<\/span><\/strong><\/h3>\n
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Focus on telling your business story<\/h2>\n
Trade your invoices for working capital by factoring<\/h3>\n
Soorten factoring<\/strong><\/h1>\n
Verschillende soorten factoring<\/span><\/strong><\/h2>\nFactoring<\/a> is een steeds populairder wordende alternatieve manier van financiering voor ondernemers. En dat is niet zo gek, want factoring is d\u00e9 manier bij uitstek om op zeer korte termijn geld te ontvangen voor eerder voltooid werk, waarvan de verzonden factuur nog niet is betaald. Er zijn in totaal drie soorten factoring te onderscheiden: traditionele factoring, American factoring en reverse factoring. Maar hoe werken deze soorten factoring eigenlijk en in hoeverre verschillen ze van elkaar en wat zijn hun voor- en nadelen<\/a>?<\/span>\n
Traditionele factoring<\/strong><\/h3>\nTraditionele factoring is van oudsher de originele vorm van factoring. Bij traditionele factoring, ontvang je vaak over een langere tijd een doorlopend krediet van de factor. Dit krediet wordt gebaseerd op het totaal aan debiteuren dat je op dit moment hebt lopen. Hiertegenover staat dat je bij traditionele factoring de verplichting hebt om al je debiteuren aan de factor over te dragen. Je moet hierbij dus al je facturen verkopen, waar je bij andere vormen van factoring meer de vrijheid hebt in welke factuur je wel of niet verkoopt.\n\nDoordat er aan een minimumomzet voldaan moet worden om gebruik te kunnen maken van traditionele factoring, is deze vorm van factoring vooral geschikt voor grotere ondernemingen. Traditionele factoring is dan ook minder toegankelijk dan andere soorten factoring. Aan de andere kant: wanneer je voldoet aan de eisen voor traditionele factoring, worden de contracten vaak voor langere tijd - meestal enkele jaren - aangegaan. Hierdoor ben je dus voor langere tijd verzekerd van een samenwerking, wat bovendien zorgt voor een relatief eenvoudige administratie - alle facturen lopen immers via de factor.\n\n \n\nVoordelen traditionele factoring<\/strong>\n
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American factoring<\/strong><\/h3>\nIn Nederland is American factoring waarschijnlijk de bekendste en meest bekende soort factoring. Dit is om een aantal redenen. Allereerst zijn de eisen om gebruik te maken van American factoring een stuk lager dan bij andere soorten factoring. Doordat American factoring een stuk toegankelijker is dan bijvoorbeeld traditionele factoring, is het bij uitstek geschikt voor zzp factoring<\/a> of mkb factoring<\/a>.<\/span>\n\nAmerican factoring is niet alleen een stuk laagdrempeliger dan traditionele factoring; American factoring is ook een stuk flexibeler. Waar je bij traditionele factoring verplicht wordt gesteld om alle facturen te verkopen aan de factor, heb je bij American factoring zelf de keuze welke facturen je wel en welke je niet verkoopt. Verstuur je dus een keer minder of misschien wel helemaal geen facturen naar de factor? Dan heb je dus ook geen kosten gemaakt. E\u00e9n nadeel van American factoring: de factor heeft het recht om een factuur af te keuren voor factoring. Dit heeft vaak te maken met de kredietwaardigheid van de klant waarvan je de factuur verkoopt. Wanneer deze te laag wordt geacht door de factor, kan de desbetreffende factuur worden geweigerd.\n\n \n\nVoordelen American factoring<\/span><\/strong>\n