Ex-Factor. As in no more F-word: factoring. We designed a revolving line of credit that is secured by good assets like receivables and inventory, but it’s easier to use and has better pricing than factoring. When most people think about accounts receivable financing, they think of factoring. But, no more. A new sheriff’s in town. Ex-Factor won’t get you coffee, but it will improve your cash flow so much that you can hire someone to get it for you. Cream and sugar?
Choosing P2Binvestor as your financing partner has its perks!
Here are a few other things our borrowers love about Ex-Factor—things we think you’ll love, too.
Access to the cash you need to grow
We use technology and a crowdsourcing model to reduce our effective cost of capital and pass the savings onto you. Get up to $10 million in financing in as few as five business days.
We are committed to transparency in pricing and operations. No tricks. No traps. No funny math. Our rate is daily and non-compounding and is only charged on what you use.
A rate guarantee
We designed our line of credit for growing companies like yours, so it makes sense that you will outgrow us someday. When you’re ready to move on to a line of credit with a bank, we will miss you, but will set you free with no penalties or fees for leaving.
We take a holistic look at your company. It’s not just about your personal credit score. So don’t sweat it if you’re not in the 800s. Our average borrower is U.S. based, B2B, and has at least $500,000 in annual revenue and a year of operating history under their belt.
Rate decreases over time
We know that your company is continuously growing and big changes can happen—sometimes overnight! For this reason, we believe your finance partner should be as nimble as you are and recognize that hard work should reflect the best rate possible. That’s why your rate with us lowers as you become more profitable, get bigger orders, and expand into larger markets.