Factoring is a simple way to get paid now instead of waiting 30 or 60 days for your customers to pay. You sell your unpaid invoices to a factoring company and receive cash immediately — no waiting, no debt. You keep your business moving without chasing payments or taking out a loan.

Here's how it works: You deliver your goods or services and send an invoice You submit that invoice to CIMA for financing We advance up to 90% of the invoice value — typically within 24 hours Your customer pays on their normal schedule Once paid, we release the remaining balance minus a small service fee Thats it.

Once invoice is accepted by your client, funding can be made 24 hours or less. With immediate cash, you can speed up your growth strategy and reach your goals.

Flexibility: Fund only when you need. There are no minimum or maximum invoices to sell Customer Service: Our team is readily available to help with any questions, issues, or concerns. In addition, we have English and Spanish speakers to assist you. Easy to work with: Our online CIMA Portal tool can be accessed from any device everywhere in the world

The product/service must be delivered and accepted by your client You are a business not a person Your client is a business not a person Your client is based in the U.S. or Latin America (English and Spanish speakers)

- The capacity to develop deals without being restricted by existing capital - Allows organizations to grow and develop without increased bank obligation - Guarantees deliveries to customers with the right Cash Flow in hand - Increase market share - Allows organizations to make higher profits by fulfilling larger orders - Flexible, and fast financing

Accounts receivable refers to any outstanding invoices for products or services that you provide to your customers on credit.

Factoring helps you manage your company’s financial obligations and operating expenses. With the cash in hand, you can keep suppliers and employees satisfied with on-time payments. Since factoring also allows companies to bring in money without taking on new debt, it can be an excellent solution if you do not qualify for a loan.

A traditional business loan is a withdrawal from a bank where the business incurs debt and you’re required to have a collateral. On the other hand, factoring is a transaction in which the company is selling unpaid invoices and focuses on the financial strength of the company’s buyers/clients.

Factoring companies require that you have clients account receivables to secure the funding. For this financial service, you don’t need any assets like inventory or real estate to back up the purchase of the invoices. The factor makes a UCC under the name of their client.

UCC’s (Uniform Commercial Code) applications are legal forms that a creditor (factor) submits to give notice that it has an interest in the business property of a debtor.

CIMA Group works with a variety of industries such as wholesale trade and distribution, manufacturing, IT services and technology, healthcare, construction and hardware, and oil and gas.

If your client does not pay the invoices, you are still responsible for the outstanding balance with CIMA Group. You can self-pay the balance, protect your invoices with insurance, or make partial payments through our banking partners.

There are no termination fees, as long as there is no an outstanding balance you can stop using our services whenever you want with no consequences.