FactorSmarter.com offers business owners a revolutionary way to access working capital for growth opportunity and daily business expenses. Unlock the once frozen asset of your accounts receivable by exchanging invoices for cash at a local bank. We represent a network of over 500 community banks that are actively seeking new lending opportunities. With bank "factoring", there are no long term contracts, you get a 90% advance on receivables, and have 120 for your customers to pay the invoices, all for a low fixed rate. Even when business is good, a lack of proper cash flow can hinder your growth. Power your business on it's own sales by financing your receivables at a bank.