Factoring

Accounts receivable financing for your business

UMB is a working capital lender that offers flexible accounts receivable financing. We can help you turn your current business volume into funds to help you grow, engage in acquisitions or cover your cash flow needs.

Factoring

Accounts receivable financing for your business

UMB is a working capital lender that offers flexible accounts receivable financing. We can help you turn your current business volume into funds to help you grow, engage in acquisitions or cover your cash flow needs.

Collaborative solution

Our relationship-based model permits us to fully understand the needs of your business before we construct a collaborative financing package, all with speed to decision-making.

Transparency and trust

We build a relationship through direct communication with your team, transparent deal details and a consistent delivery model so you can feel confident from initial deal discussions to closing.

Long-term partner

Our complete solution for specialty financing is complemented by our full-service banking and treasury management offerings. We can meet your needs no matter where you are in your business cycle.

We understand the complexities of how you do business, and, by getting to know you and your organization, we are better able to develop solutions that meet your needs today and tomorrow.

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Many businesses experience challenges when looking to secure traditional financing, usually due to tighter credit requirements, reduced liquidity or significant growth. If you're looking to access funds quickly to meet daily business demands, working capital financing may be the solution for you. We typically serve small to middle market companies with annual revenues of $2 million to $450 million. We can provide the necessary working capital with facility sizes from $200 thousand to $35 million when traditional bank financing is unavailable to meet your needs.

Is accounts receivable financing right for you?

Accounts receivable financing is a flexible option for companies that have significant amounts of day-to-day expenses or require consistent cash flow to maintain quality service. Your working capital can help improve your spending power and enhance your operations management.

UMB accounts receivable financing

Once your accounts receivable have been reviewed, you can choose to leverage all of them or just a portion to meet your current need.

Benefits:

  • Electronic transfer of funds sent to your business account with each sale of your accounts receivable.
  • Online reporting that allows you to analyze your cash flow with your submitted accounts receivable, so you can better prepare for the future.
  • Efficient working capital management through UMB's back office team, who will work with you on your receivables reports.
  • No penalties or fee adjustments for rapidly growing businesses that need to expand their invoice financing.

 

UMB Advance Plus

If you need maximum financial flexibility, our Advance Plus solution may be the best solution for you. Advance Plus operates like a ledgered line of credit, with flexible draw amounts and no wait times.

Benefits of Advance Plus line of credit:

  • Draw funds from your available borrowing base whenever you need to, and for any amount.
  • Comprehensive online reporting that allows you to view your funding availability and run accounts receivable reports.
  • Ledgered lines of credit offer the flexibility for frequent use. Use your line of credit as many times as you need, whether it’s once a month, twice a week, or daily.
  • No time limits or wait times to receive funds from within your available credit. Receive requested funds within 24 hours via electronic transfer.
  • Efficient receivables management through UMB’s back office team, who will work with you on your receivables reports.

Asset based lending

Our financing solutions help put your working capital and fixed assets to work for you by structuring deals that allow you to leverage your assets to cover expenses for your next step.

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Mezzanine debt and minority equity investments

We provide flexible mezzanine debt and minority equity investment solutions so you can take your business to the next level.

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