Accounts Receivable Financing in Arizona
We advise Arizona middle-market companies on accounts receivable financing opportunities, evaluating eligible collateral, customer concentration, borrowing capacity, and broader capital requirements.
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Financing Profile
Key Financing Profile Features
We structure facilities around these financing parameters and broader capital objectives.
| Financing Parameter | Typical Criteria |
|---|---|
| Annual Revenue | Typically $15 million+ |
| Facility Size | $3 million to $75 million+ |
| Eligible Receivables | Commercial B2B accounts receivable |
| Advance Rate | Up to 90% of eligible receivables |
| Funding Timeline | Following due diligence and collateral review |
| Financing Structure | Coordinated through specialty finance companies and institutional lending partners |
Receivables Review
Receivables & Facility Review
We evaluate key financing parameters that influence collateral eligibility and available borrowing capacity:
- check_circleEligible A/R
- check_circleAging & Payment Performance
- check_circleCustomer Concentration
- check_circleDilution & Cross-Aging
- check_circleUnbilled & Progress Receivables
- check_circleExisting Liens & Obligations
- check_circleBorrowing-Base Availability
Financing Needs
Structuring Receivables Financing for Business Requirements
Receivables financing should reflect a company’s working capital demands, existing credit facilities, and broader capital objectives. We help Arizona middle-market companies evaluate financing structures for growth, refinancing, and changing liquidity requirements.
We coordinate the financing process to help companies pursue structures aligned with their operating needs and strategic priorities.
Industries
Industries We Serve Across Arizona
Arizona’s diverse commercial economy spans manufacturing, technology, transportation, healthcare, distribution, and professional services. We work with established middle-market companies across the state to structure accounts receivable financing around receivable quality, customer payment cycles, working capital requirements, and broader growth objectives.
Manufacturing & Industrial Businesses
Manufacturers may need additional borrowing capacity to manage production schedules, supplier payments, and extended terms with commercial customers.
Technology & Software Companies
Companies with established B2B billing may evaluate receivables financing to support larger contracts, product investment, and revenue growth.
Transportation & Logistics
Freight and logistics businesses can assess eligible commercial receivables against customer payment cycles and ongoing operating expenses.
Healthcare & Medical Services
Healthcare service providers may evaluate receivables eligibility, reimbursement timing, and customer concentration when considering additional working capital capacity.
Commercial Real Estate
Receivables financing may be relevant to commercial real estate service and operating companies with eligible B2B receivables, subject to facility criteria.
Distribution & Wholesale Businesses
Distributors can assess receivables financing against commercial customer payment terms and the cash requirements associated with inventory purchasing.
Business & Professional Services
Professional service firms may evaluate receivables-backed facilities to support staffing costs, contract delivery, acquisitions, and other business requirements.
Locations
Locations We Serve in Arizona
EPOCH Financial works with companies across Phoenix, Scottsdale, Tempe, Mesa, Chandler, Gilbert, Glendale, Peoria, Surprise, Goodyear, Tucson, Flagstaff, Prescott, Yuma, Casa Grande, Sierra Vista, Oro Valley, Queen Creek, and Avondale.
Comparison
Receivables-Based Financing vs. Factoring for Arizona Companies
We evaluate the differences between accounts receivable financing and factoring based on the company’s receivable profile, liquidity requirements, customer relationships, and broader capital strategy. While both approaches leverage commercial receivables, their structures, economics, and operational impact can differ significantly.
| Accounts Receivable Financing | Factoring |
|---|---|
| Accounts receivable financing is evaluated around eligible receivables, borrowing capacity, and the company’s broader capital requirements. | Factoring typically involves selling or assigning invoices to a factoring company for an immediate advance. |
| The company generally retains control over its customer relationships and collection process. | The factoring company may manage collections and communicate directly with customers. |
| We can coordinate larger facilities designed for established middle-market companies with substantial receivables. | Factoring commonly works on an invoice-by-invoice or ongoing receivables purchase basis. |
| We assess receivable aging, customer concentration, payment history, and collateral quality when developing the financing structure. | Factoring availability and pricing generally depend on invoice eligibility and the credit quality of underlying customers. |
| The structure can complement existing capital sources and broader financing strategies. | Factoring primarily provides liquidity against outstanding invoices without necessarily addressing the broader capital structure. |
The distinction goes beyond accessing liquidity against outstanding invoices. We assess the company’s receivable composition, operating model, facility requirements, and strategic objectives to determine which structure fits the broader financing strategy. For Arizona middle-market companies, this approach helps align receivables-based capital with both immediate liquidity requirements and longer-term business objectives.
Frequently Asked Questions
addWhat due diligence is typically required before structuring a receivables facility?
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The process can include reviewing accounts receivable aging, customer concentrations, historical collections, dilution, financial performance, customer contracts, collateral records, and existing financing arrangements.
addHow can Arizona companies evaluate whether receivables-based financing fits their capital strategy?
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The evaluation should consider more than immediate liquidity. We assess facility size, collateral availability, cost, structural requirements, existing debt, growth plans, and strategic transactions to determine how receivables-based financing fits within the broader capital plan.
addHow can receivables financing support a company pursuing an acquisition?
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A structured receivables facility can create additional working capital capacity to support integration costs, ongoing operations, and post-acquisition liquidity requirements. We coordinate the financing structure with the broader transaction and capital strategy.
Get Started
Receivables-Based Financing Strategies in Arizona
Discuss your receivables financing needs with our team to evaluate liquidity capacity, expansion plans, and strategic capital requirements.
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