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Trade Credit Express

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Trade Credit Express is a business payment platform to outsource your accounts receivable administration and trade credit financing, providing your business with the payment speed of accepting a credit card while extending improved trade credit terms for you customers.

About Trade Credit

Accounts receivable (A/R), sometimes called trade receivables or trade credit, is the amount that customers owe a company for goods and services that have been provided. In most business entities this is typically done by generating an invoice and delivering it to the customer which is to be paid within an established timeframe called credit or payment terms.

Traditional availability of free and flexible trade credit is a primary source of funding of most businesses in the US . More than 90% of B2B companies depend on trade credit as their largest source of capital than any other source – more than bank debt or owner's equity. The reasons are simple: trade credit is free (interest is rarely charged), it is flexible (terms are regularly abused) and it is easy to get (if one vendor doesn't provide, the next vendor will). Business buyers will seek out vendors that give the longest payment terms because it is the easiest and least expensive way to fund a business.

Outsourcing your trade credit administration is a smart strategic decision

If your company is like most, much of your cash is tied up because you’ve been lending it to your customers through trade credit, providing free, short-term loans to your buyers. Additionally, most small and mid sized businesses don't have the scale to operate trade credit operations cost effectively.

Just like outsourcing other business functions like payroll processing, businesses can benefit by outsourcing the administrative functions of operating an in-house trade credit program for B2B transactions.

Start Outsourcing to Achieve:

• Increased capital availability
• Faster payment cycles on invoices
• Improved debt to income ratios
• Reduced risk of non-payment on invoices or customer bankruptcy
• Reduced administrative burdens of extending and managing trade credit
• Increased sales to new and existing customers by offering better terms

Stop Factoring

Outsourcing has distinct advantages over "factoring" including lower advance rates and greater value by more efficiently handling trade credit functions to reduce your administration expenses.

Learn More

As specialist in B2B payments, we understand the many challenges of running a successful business. We invite you to learn more about Trade Credit Express and discover the value that many other businesses are realizing. It's easy to get started and there are no long term contracts or cancellation fees. If you have any questions about outsourcing your trade credit administration and financing, please contact Ty Hardison for personal assistance!