{"id":23996,"date":"2023-07-27T13:00:22","date_gmt":"2023-07-27T13:00:22","guid":{"rendered":"https:\/\/www.factris.com\/?p=23996"},"modified":"2023-09-12T07:08:09","modified_gmt":"2023-09-12T07:08:09","slug":"factoring-or-business-loan-as-financing","status":"publish","type":"post","link":"https:\/\/www.factris.com\/en\/news\/factoring-or-business-loan-as-financing\/","title":{"rendered":"Factoring or business loan as financing?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;40px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;\/en\/news\/&#8221; button_text=&#8221;Back to the news page&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x23;||divi||400&#8243; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;37px|||||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; header_text_color=&#8221;#00305e&#8221; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;1.4em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#000a54&#8243; header_2_font_size=&#8221;27px&#8221; header_2_line_height=&#8221;1.2em&#8221; header_3_text_color=&#8221;#000a54&#8243; header_3_font_size=&#8221;25px&#8221; header_3_line_height=&#8221;35px&#8221; header_4_text_color=&#8221;#000a54&#8243; header_4_font_size=&#8221;21px&#8221; header_4_line_height=&#8221;29px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span style=\"font-weight: 400;\">As an entrepreneur, it can sometimes be difficult to get enough capital to grow your business. A business loan and <\/span><a href=\"https:\/\/www.factris.com\/en\/factoring\/\"><span style=\"font-weight: 400;\">factoring<\/span><\/a><span style=\"font-weight: 400;\"> are two possible options to solve this problem. In this article, we will discuss the pros and cons of both options, so that you can make an informed decision on what best suits your business.<\/span><\/p>\n<h2><strong>Business loan<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">A business loan is a loan given to a business owner to invest in their business operations. The borrowed amount has to be repaid with interest within a certain period of time, often in monthly instalments. The interest you pay depends on the amount borrowed and the term of the loan.<\/span><\/p>\n<h3><strong>Advantages<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You retain full control over your business.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have the option to use the borrowed amount for any investment you want, such as new equipment, staff expansion or marketing.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You only pay interest on the amount you actually borrowed.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The interest rate is often lower than other forms of financing.<\/span><\/li>\n<\/ul>\n<h3><strong>Disadvantages<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The application process can take a long time and many documents are needed to obtain the loan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have to repay the borrowed amount even if your business goes bankrupt.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You need a good credit history to qualify for a business loan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There may be additional costs associated with the loan, such as administration fees.<\/span><\/li>\n<\/ul>\n<h2><strong>Factoring<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Factoring is a way to get cash quickly by <\/span><a href=\"https:\/\/www.factris.com\/en\/sell-invoice\/\"><span style=\"font-weight: 400;\">selling outstanding invoices<\/span><\/a><span style=\"font-weight: 400;\"> to a <\/span><a href=\"https:\/\/www.factris.com\/en\/news\/what-is-a-factoring-company\/\"><span style=\"font-weight: 400;\">factoring company<\/span><\/a><span style=\"font-weight: 400;\">. The factoring company pays you an advance on the invoice and takes over the <\/span><a href=\"https:\/\/www.factris.com\/en\/news\/risk-of-defaulters\/\"><span style=\"font-weight: 400;\">risk of non-payment<\/span><\/a><span style=\"font-weight: 400;\">. Once the invoice is paid, you get the remaining amount minus the <\/span><a href=\"https:\/\/www.factris.com\/en\/factoring-costs\/\"><span style=\"font-weight: 400;\">factoring fees<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><strong>Advantages<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have quick access to cash, allowing you to grow your business quickly.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The factoring company takes over the risk of default, reducing your risk.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have no additional debt, as factoring is not a loan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have no time and costs in debtor management, because you outsource it<\/span><\/li>\n<\/ul>\n<h3><strong>Disadvantages<\/strong><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Factoring fees can be higher than the interest rate on a business loan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You have less control over your own debtor management, as the factoring company takes over the management of your outstanding invoices.<\/span><\/li>\n<\/ul>\n<h2><strong>Choose what suits your business\u00a0<\/strong><\/h2>\n<p><span style=\"font-weight: 400;\">Both forms of financing have their pros and cons. It remains important to carefully consider what suits your business best. If you like to maintain control over your debtor management, then a business loan is a better option. On the contrary, do you want to outsource as much as possible? Then factoring is an ideal outcome. With factoring from <\/span><a href=\"https:\/\/www.factris.com\/en\/\"><span style=\"font-weight: 400;\">Factris<\/span><\/a><span style=\"font-weight: 400;\">, you run less risk of default and can <\/span><a href=\"https:\/\/www.factris.com\/en\/outsource-debtor-management\/\"><span style=\"font-weight: 400;\">outsource debtor management<\/span><\/a><span style=\"font-weight: 400;\">. Would you like to know more about the possibilities of factoring? Then feel free to <\/span><a href=\"https:\/\/www.factris.com\/en\/contacts\/\"><span style=\"font-weight: 400;\">contact<\/span><\/a><span style=\"font-weight: 400;\"> us.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_button button_url=&#8221;\/en\/news\/&#8221; button_text=&#8221;Back to the news page&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x23;||divi||400&#8243; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#000A54&#8243; custom_padding=&#8221;20vh||20vh||true|false&#8221; global_colors_info=&#8221;{}&#8221; global_module=&#8221;25238&#8243; saved_tabs=&#8221;all&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;2em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;45px&#8221; header_2_line_height=&#8221;2em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;25px&#8221; header_font_tablet=&#8221;&#8221; header_font_phone=&#8221;&#8221; header_font_last_edited=&#8221;on|desktop&#8221; header_line_height_tablet=&#8221;1.8em&#8221; header_line_height_phone=&#8221;1.4em&#8221; header_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;32px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_tablet=&#8221;&#8221; header_3_font_phone=&#8221;&#8221; header_3_font_last_edited=&#8221;on|phone&#8221; header_3_line_height_tablet=&#8221;&#8221; header_3_line_height_phone=&#8221;1.8em&#8221; header_3_line_height_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Focus on telling your business story<\/h2>\n<h3 style=\"text-align: center;\">Trade your invoices for working capital by factoring<\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.factris.com\/en\/eligibility\/&#8221; button_text=&#8221;See if I qualify&#8221; button_alignment=&#8221;center&#8221; module_class=&#8221;btn-tertiary-2&#8243; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;&#x24;||divi||400&#8243; button_icon_color=&#8221;#ffffff&#8221; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||20px|||&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;https:\/\/onboarding.factris.com\/en\/sign-up&#8221; button_text=&#8221;Finance my invoices&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.20.4&#8243; _module_preset=&#8221;default&#8221; button_icon=&#8221;&#x24;||divi||400&#8243; button_icon_color=&#8221;#353540&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||18px|||&#8221; custom_padding=&#8221;10px|40px|10px|25px|true|false&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover_enabled=&#8221;on|hover&#8221; custom_padding__hover=&#8221;|50px|||true|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As an entrepreneur, it can sometimes be difficult to get enough capital to grow your business. A business loan and factoring are two possible options to solve this problem. In this article, we will discuss the pros and cons of both options, so that you can make an informed decision on what best suits your [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":23997,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[3],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v24.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Factoring or business loan as financing? | Factris<\/title>\n<meta name=\"description\" content=\"It is important to consider the pros and cons before making a choice between a business loan or factoring. 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