Invoice factoring
Invoice factoring is the sale of your outstanding invoices to a factor that advances a portion up front, then collects from your customer. When the customer pays, you receive the remainder minus the factor's charge. It converts receivables into working cash without adding a traditional loan to your balance sheet.
For businesses tied to the Port of Savannah supply chain, factoring turns slow-paying commercial customers into predictable cash flow you can actually schedule around.
Garden City is a hub for drayage carriers, freight brokers, and warehousing firms that move containers out of the Georgia Ports Authority Garden City Terminal. Those companies routinely bill large customers on net terms while fuel and driver pay come due immediately. Factoring bridges that gap.
Suppliers and light-manufacturing shops near Dean Forest Road and the GA-21 corridor face the same squeeze when a national buyer stretches payment. Selling those invoices keeps a Garden City operation liquid without waiting weeks for a check.
Aldergate Loans is a commercial-loan broker, not a lender or factor. We review your customer base and receivables, help organize your invoice records, and connect you with factoring companies whose terms fit your industry. Imagine a Garden City trucking outfit hauling containers for a large importer on net terms. We help present those receivables so a factor can evaluate them cleanly.
Begin at the Garden City business funding hub, see the complete invoice factoring program, or explore the Savannah lending hub.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.