faktorisista

Faktorisista is a term used to describe individuals or entities engaged in factoring, a type of financial transaction. In factoring, a business sells its accounts receivable to a third party, known as a factor, at a discount. This provides the business with immediate cash flow, rather than waiting for customers to pay their invoices. The factor then collects the full amount from the customers. This practice is common among businesses, particularly small and medium-sized enterprises, seeking to improve their liquidity. Faktorisista can be financial institutions, specialized factoring companies, or even individual investors. The process involves assessing the creditworthiness of the company's customers and negotiating the terms of the sale. Factors assume the risk of non-payment by the customers. The discount rate is determined by various factors, including the volume of receivables, the credit risk of the customers, and the desired speed of payment. Factoring can be a valuable tool for managing working capital and supporting business growth, but it comes at a cost.