一旦保理公司购买您的发票，他们将预先向您支付80％至95％的发票。一旦他们从您的客户那里收取付款，他们将减去收费或保理税率，并给您剩余的金额。
Below we’ll take a closer look at contract factoring, a type of invoice factoring used by many construction companies, so you can determine if it’s right for you.
合同分解定义
合同保理经常在建造业。It’s when you factor in all the invoices for a specific project. Because construction companies face cash flow shortages, they can take on multiple, larger jobs without waiting for customers to pay their invoices.
假设您像大多数企业一样，每周或一个月竞标多个建筑项目，而又不知道您会赢得哪些企业。在这种情况下，合同保理可能会派上用场。它将为您提供连续的现金流量，以便您可以在没有财务问题的情况下进行任何项目。
合同保理与现场分解
Contract and spot factoring are the two most common types of construction invoice factoring.
Spot factoring is usually used to get cash for one or several specific invoices. With spot factoring, there’s no obligation for future business, so it’s more of an option than an obligation. On the other hand, contract factoring is a longer-term agreement that may include monthly minimums. It requires you to send the factoring company a percentage of your invoices.
The Pros and Cons of Spot Factoring
如果您的建筑公司保持良好的现金流量，但希望扩大您当前的能力，则现场分解可能是有道理的。如果总承包商赢得了一个大型项目，但没有现金储备来负担得起，则货架考虑了初始发票可以给他们足够的现金流以避免付款延误。
虽然现场保理有多个好处，但比合同保理更昂贵。这是因为这是一项一次性服务，并且保理公司必须通过一次交易来支付其所有费用。此外，斑点分解通常仅适用于大型发票。
If your invoice is too small, it may not be worth the factoring company’s time and effort. There’s also a chance that spot factoring causes communication issues with your customers since the factoring company will collect payments from them directly.
The Pros and Cons of Contract Factoring
由于合同保理涉及大量发票，因此保理公司收取较低的费率。由于公司有兴趣发展牢固的长期关系，因此您也可以谈判并获得折扣。另外，它们不像传统的银行贷款那样受到监管，因此他们具有设计对双方都很好的合同的自由和灵活性。
如果您决定考虑所有发票，则保理公司可以处理您的应收账款并释放您的资源。这也可能导致与客户的更清晰的沟通，并避免与现场分解广泛看到的混乱。
合同保理的最显着的缺点是，它需要与保理公司的长期合同。它还带有最低合同，您必须满足以避免罚款。
What to Look for in a Construction Contract Factoring Company
If you choose to move forward with contract factoring, explore all factoring companies that offer it and compare the following.
- 费率：Contract factoring is less expensive than spot factoring, but it can still cost you a lot. That’s why you should look for factoring companies that offer competitive rates.
- Monthly Minimums:Some factoring companies impose higher monthly minimums than others. Make sure you choose one with a monthly minimum that is realistic for your unique business.
- Minimum Annual Revenue:If you’re a newer construction company, you should look for a factoring company with lower minimum annual revenue requirements. Many cater to startups and newer entities with less revenue.
- 费用：除了因素或利率外，您可能还会收取额外费用。这些可能包括起源费和电汇费。
- 资金时间：如果您需要快速现金，则资金时间很重要。一些保理公司会在您申请的同一天向您发送资金，而另一些公司将等待24小时甚至几个工作日。
结论：通过合同保理发展您的建筑业务
Construction factoring companies can help you achieve your business goals, especially if traditional financing options are out of reach.
If you go this route, compare various factoring companies and their fees. Also, be sure you can commit to a long-term contract and know how the factoring process works.
Editorial Note:Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved, or otherwise endorsed by any of these entities.
