If you sell your products or services to businesses that pay in 30, 60, 90 days or more, Spectrum Business Financing has a liquidity solution for you. We can finance companies that are start-ups, losing money, or in bankruptcy because accounts receivable financing is based on your customer’s credit, not yours. This is not a ”debt.” You are selling an asset. But it is more than just an asset sale; it is like outsourcing your accounts receivable department. Factors provide valuable services. They check your customers’ credit for you and notify you of bad risks and they provide detailed monthly statements.