Author: Joel Rosenthal

Co-founder and Executive Manager at Charter Capital with a history of 28 years working in the financial services industry. Skilled in Cash Flow, Leveraged Finance, Factoring, Mergers & Acquisitions (M&A), and Structured Finance. Strong business development professional with BA from The University of Texas at Austin and MBA of International Business from University of South Carolina.

What is a Reserve and When Do I Get it Back?

what is a factoring reserve and when do I get it back

A reserve is the portion of your invoice value that is held back at the time of your advance. You receive the residual, or the remaining portion due to you, once your customer pays the invoice in full, typically within one to two business days…

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5 Effective Ways to Strengthen Your Company’s Financials

Financial Challenges Putting Small Business Strength at Risk

Did you know that 94 percent of small businesses say they’ve experienced financial challenges within the past 12 months, per a recent Main Street Metrics report? More than half of all owners have dipped into their personal funds to address them. While this may seem…

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Recourse vs. Non-Recourse Factoring: What is the Difference?

Recourse and non-recourse factoring differ in who bears the risk when a customer does not pay.

Whether you can switch depends on your factoring agreement and provider. Some factoring companies offer both structures and can accommodate changes. Others specialize in one or the other. If flexibility between recourse and non-recourse is important to your business, confirm this capability before signing any…

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