Confidential Factoring: Unlock Cash Flow and Grow Your Business | 7 Park Avenue Financial

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Straight Talk On Confidential Factoring In Canada – Why Accounts Receivable Financing & Invoice Services Just Got Better!
Fact & Fiction on Receivable Financing In Canada


You Are Looking For Confidential factoring and Invoice Services financing in Canada!

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Struggling to secure funding for your business? Confidential factoring can unlock your unpaid invoices and fuel growth, all without your customers knowing.


7 Park Avenue Financial originates business financing solutions for Canadian Businesses – We offer  CONFIDENTIAL FACTORING    solutions that solve the issue of cash flow and working capital  – Save time and focus on profits and business opportunities









At 7 Park Avenue Financial we're the first to agree that when one of Canada's newest forms of business financing just got better that’s clearly a good thing! We're talking about the concept of confidential factoring, invoice services that finance your accounts receivable for working capital and cash flow.




Canadian business owners and financial managers demand flexibility when they look to alternative financing methods. If you choose the right facility, as in our case today, confidential accounts receivable financing you have just converted 90% of your receivable investment into immediate cash flow availability.




That benefit becomes even more dramatic when you consider this type of financing essentially gets larger as your sales increase; your financing ability travels locks step with your sales increases. Your revolving credit facility of confidential factoring becomes your new financing safety cushion.


While the majority of our clients use this type of financing for ongoing operations and growth remember also that you can use this finance mechanism for several other reasons - they might include acquiring a business, restructuring your company without the need for additional equity, etc.






Improves cash flow: Yes, by converting outstanding invoices into immediate cash, confidential factoring allows you to meet ongoing business expenses without waiting for customer payments.

Reduces workload: Absolutely. The factoring company handles the collection process, freeing you to focus on core business activities.

Maintains customer relationships: Certainly. Since your customers remain unaware of the financing arrangement, your business relationships are preserved.

Flexible solution: Indeed. Confidential factoring can be used for all or a portion of your invoices, depending on your needs.

Boosts growth potential: Undoubtedly. With improved cash flow, you can invest in new opportunities and take your business to the next level.




Many clients utilize this type of accounts receivable invoice service in the context of also combining their inventory and purchase order financing needs. You've then created a triple combination of financing power for your firm, outside of traditional Canadian chartered bank financing.


So let's just backtrack a bit and ensure you understand the whole issue of confidentiality around C I D; Confidential invoice discounting. When you set up this type of facility you effectively retain total control over your A/R function - you are billing and collecting your receivables.



Those familiar with traditional U.S. and U.K.-type offerings available in Canada know full well that is not the case with the offering that is used by 99% of your competitors. Those firms in Canada that use receivable financing but without a confidential facility have in effect handed their billing, collection, and all-important client contact info over to the factoring company. Does that type of traditional factoring work?


Absolutely. It’s just that confidential A/R financing puts you in control, not your finance company. Your bill and collect your receivables, without any notification at all to clients, suppliers, etc.


Canadian businesses are of course used to paying for added value. That’s just common sense. So then our clients can of course be forgiven for asking if confidential factoring services cost more. The answer is NO!  Your advance rate and financing charges are the same with confidential factoring as they would be in the traditional form of notification model used by your competitors.


We would add however that to take advantage of confidential receivable financing a typical A/R portfolio should be at least in the 250k range. There is no real upper limit on the size of any facility.


Accounts receivable financing has filled one of the biggest voids in Canadian financing. It is often misunderstood, in no thanks to some of the firms that offer it. If your company is growing, and unable to attract more traditional financing than confidential then invoice services such as we have described are for you. The optimal situation is when your cash flow is being drained because your sales are growing, requiring you to maintain higher levels of A/R and inventories, etc.






Process: Businesses sell unpaid invoices to a factoring company in exchange for  an immediate cash advance

Confidentiality: Customers remain unaware of the factoring arrangement in this factoring facility

Benefits: Faster access to cash, improved cash flow, reduced credit control burden.

Fees: Factoring companies charge fees based on invoice value and turnaround time in invoice finance facilities

Suitability: Ideal for businesses with slow-paying customers or needing short-term working capital.





If you wish to better understand the nuances and yes, the benefits of factoring invoice services in Canada, and which one works best for your firm call 7 Park Avenue Financial, a trusted, credible and experienced Canadian business financing advisor today.










What financing options are available for small businesses?

There are many options, including bank loans, lines of credit, small business grants, and alternative financing solutions like invoice factoring.



How can I improve my chances of securing a business loan?

Building a strong credit history, having a solid business plan, and presenting a clear financial picture can increase your chances of loan approval.



What are the drawbacks of traditional bank loans?

Qualifying can be challenging, and the loan approval process can be lengthy. Additionally, loan repayments can strain your cash flow.



Are there financing options that don't require good credit?

Invoice factoring can be a good option for businesses with less-than-perfect credit, as the focus is on the creditworthiness of your customers.



How do I choose the right invoice finance facility financing solution for my business?

Consider your specific needs, cash flow situation, and long-term goals when evaluating different financing options.


Is confidential factoring the same as invoice factoring?

Both involve selling invoices to a factoring company for immediate cash. However, confidential factoring keeps the arrangement hidden from your customers as you are managing cash flow and financing invoices



How much does confidential factoring cost?


Fees for factoring costs typically range from 1% to 2% of the invoice amount, depending on factors like invoice volume and the creditworthiness of your customers.



What types of businesses benefit most from confidential factoring?

Businesses with slow-paying customers, seasonal sales fluctuations, or those needing a temporary cash flow boost can find a confidential factoring facility particularly advantageous.



Can I negotiate the fees associated with confidential factoring invoice finance?

Yes, negotiation is possible, especially for businesses with a high volume of invoices or a strong credit history.

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Stan Prokop is the founder of 7 Park Avenue Financial and a recognized expert on Canadian Business Financing. Since 2004 Stan has helped hundreds of small, medium and large organizations achieve the financing they need to survive and grow. He has decades of credit and lending experience working for firms such as Hewlett Packard / Cable & Wireless / Ashland Oil