Services | RTS International

How International Factoring Works

Traditional payment terms on accounts receivable are usually 30, 60 or even 90+ days. With international invoice factoring from RTS International, customers can get access to their working capital immediately after the sale or service is complete.

Submit Your Invoice

When your product ships or service is complete, send RTS International the invoice and corresponding documents.

Receive Funding

RTS International finances 80-90 percent of the value of your invoice within 24 hours.

Release of Reserves

Once your buyer pays the invoice, RTS International will send the reserve balance to your company, minus a small financing fee.

The RTS International Difference

Competitive Financial Solutions

Gain access to working capital in various currencies at a competitive, transparent rate.

Recourse and Non-Recourse Funding Programs

Our ability to offer both models allows us the flexibility to find the best solutions for our customers.

Cash Against Documents (CAD) Funding

Fund in-transit transactions without limits. The line grows as you do, with no need to apply for larger limits.

Credit Risk Management

Complimentary and ongoing credit evaluations to provide book security.

Superior Customer Service

Work with an accounts receivable factoring company with over 20 years of experience helping companies globally grow.

Cross-Border Expertise

We offer same-day funding in pesos to trucking companies with operations traveling to and from the U.S. throughout Mexico.

Benefits of Factoring for International Trade

80%-90% of the invoice total provided within 24 hours
Payment deposited directly into your bank account
Increased cash flow without borrowing or taking out a loan
Focus on your customers’ credit, not yours
Free and ongoing credit evaluations and customer collections
Unlimited access to capital that increases as your business grows

Frequently Asked Questions

Also known as accounts receivable (AR) financing, factoring is a financial solution that allows an exporter to submit their accounts receivable for same- or next-day payment, which immediately increases their cash flow. RTS International purchases the invoice at a competitive factoring rate and advances 80-90 percent of the total within 24 hours. Once the invoice is paid, RTS International sends the reserve balance minus the factoring fee.

Unlike financing from a bank, there are no limits to how much funding we can provide for your business. Our primary requirement is an average monthly export volume at or above $200,000.

Accounts Receivable (AR) factoring is not a loan. The provided capital is based on the credit of your customers, not your balance sheet. This provides an excellent alternative to traditional bank lending, as you gain immediate cash flow without assuming new debt.

RTS International funds transactions using the following currencies: USD, MXP, Euros and GBP.

Yes. You will work with a dedicated representative or agent experienced with your specific requirements. Additionally, your account will be supported by an entire team focused on your success.

You’ll start by filling out our application. Once you submit, we’ll reach out to gather additional information about your company and your needs. Set up is quick and easy, with access to funding in no time at all!

Funding limits may vary depending on your business and your buyers' creditworthiness. If you work with creditworthy buyers, there may be no limit. However, funding availability is subject to change based on buyer credit.

Factoring referral programs, like the one at RTS International, allow agents to earn commissions by referring prospects to our company. If a prospect becomes a customer, we'll pay the agent a commission for as long as the prospect remains an RTS International client and the agent remains partnered with us. Plus, agents gain access to key resources like sell sheets, a responsive support team and turnkey website solutions.

What is factoring?

Are there limits to how much I can factor?

Is factoring the same thing as a bank loan?

What currencies do you fund in?

Will I have a dedicated account representative?

What is the application process?

Are there funding limits?

What is a factoring referral program?