![]() Additionally, QB Connect will continue to build the relationship shift between accountants and their clients- from transactional to collaborative. Technology is rapidly changing the art of accounting and it’s great that developers will be able to hear firsthand what small business owners and accountants need to run more efficient businesses. This is an absolutely amazing opportunity for everyone involved in the industry to learn how we can best support each other’s services. What unique opportunities do you think the event will bring? QB Connect is coming up, and will bring together accountants, entrepreneurs, small businesses, and developers in a way that hasn’t happened before. How has becoming a QuickBooks ProAdvisor impacted your business?īeing a QuickBooks Online ProAdvisor adds a lot of credibility to my practice and has given me opportunities to teach accounting at incubators and provide consulting services to established businesses. They tend to fall in the technology, health & beauty, or fashion industries. I specialize in working with clients who consistently launch new products, services or apps. What sorts of clients do you specialize in serving? I’ve been a ProAdvisor since 2014 and have been using QuickBooks for over 5 years. How long have you been a QuickBooks ProAdvisor? Let’s get her take on the ProAdvisor community and QuickBooks Connect! Danetha is one of the super active folks on the #QBOChat, and well, as a former NFL cheerleader she’s pretty active all-around. This week we’re chatting with Danetha Doe, a QuickBooks Online ProAdvisor based out of Oakland, California.
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Why not offer some creative Halloween treat bags and favors, too? Just in time for October 31, print out our templates and put up the most memorable Halloween decorations year after year. Leave your porch light on for the neighborhood kids who visit in their Halloween costumes. Trick-or-treaters will love the spooky atmosphere that these DIY Halloween decorations add to your home. Your decorative scheme sets the stage for a spooktacular Halloween night. No, wait, they're scampering mice! Extend the spookiness to the yard with witch and cat ornaments affixed to plywood for sturdy strength. All you need for wood stencil art is wood, stencils, and your art medium such as paint or a pyrography pen. Scary silhouettes on the stairs trick the eyes in the flickering candlelight. Cool Halloween crafts for teens: Star Wars pumpkin carving templates. Free Stencils Here are your Free Stencils. Halloween Stencils (1 - 60 of 5,000+ results) Price () Shipping All Sellers SPELLBOUND LAYERING Stencil by Tim Holtz THS171 (11.2k) 6.95 Halloween witch, Paper doll, Halloween printable, digital download (5.1k) 3. With these DIY Halloween decorations, you can transform your entire home into a fright fest. Free stencils, great ideas, fun projects and crafts, video tutorials, inspiration and motivation to create art with stencils. It's also a great way to save money on holiday décor when you make them yourself. From pumpkindecorating to halloween art projects, Michaels has you. Making Halloween art projects and crafts is. We have a huge selection of Halloween stencils to. Make this halloween as spooky as you want it to be with our DIY Halloween crafts. Younger kids may need help cutting out the templates, while older kids will be able to cut them out on their own. While I was designing the spider web vinyl stencil, I also designed the lettering stencil I. ![]() 11.7x8.3 inch Reusable Template Cat with Witchs Hat in Large Sizes for Painting DIY and Crafts Art Projects Wood Wall DIY T-Shirt Halloween Home Decor. Halloween is many people’s favorite time of the year. Art is the perfect project to add to your holiday decor this year. 12 Pieces Halloween Painting Stencil Reusable Painting DIY Template Skull Spider Ghost Stencils for Painting on Wood Halloween Stencils for Craft Art Drawing. You will have a haunted good time making these homemade decorations, and your family and friends will love the magic that they create. We have a huge selection of Halloween stencils to choose from, so you can create the Halloween art and décor that you truly want to have in your home, or at your party, dance, or other event. And who wouldn't love an adorable parade of Halloween ghosts and goblins to grace their foyers, stairwells, and walls? Let some nightwatcher owls guard your household from the other things that go bump in the night. You can hang some spooky bats from your porch as a warning (or a spooky welcome) for house guests. Here, you'll find our clip art-like these decoupaged pumpkins, plus much more-ready to download, print, and cut out.Īdditionally, all you need is construction paper and a pair of scissors. That's why we've provided the artwork you need to complete the projects on these slides, all in one place. Michaels has everything you need to have a festive and fun Halloween. ![]() If you need some suggestions check out our favorite Halloween books here.Lots of things about Halloween should be frightening, but crafting your decorations and costumes shouldn't be. Flaunt Your House This Spooky Season With Halloween Decor From Michaels. See more ideas about halloween templates, pumpkin carving templates, pumpkin carving. Showcase your personal style and let your imagination guide you this Halloween season with Michaels DIY Halloween decorations, such as Halloween needlework, paper crafting, DIY ribbons, wreath, and garland-making. Don’t forget to read some great Halloween books after making some of these Halloween crafts for preschoolers. Explore Robin Deutschs board 'Halloween templates, clip art and patterns', followed by 1,085 people on Pinterest. Our DIY Halloween crafts are a fun way to personalize your Halloween decor and spend time crafting memories with family and friends. By Printablee Printable Halloween Stencils Printable Halloween Stencils Cut Out Why does Halloween need stencils Stencils are one of the popular techniques to be applied as the next level of crafts. I know you will be able to find great preschool Halloween activities and craft ideas on this list. There are so many different themes like spiders, bats, ghosts, pumpkins, mummys, and my favorite, Frankenstein. I just love sharing Halloween activities for preschoolers. Do I? I just know that Halloween is my favorite holiday to celebrate with students and young children. I don’t think I have a favorite Halloween craft. ![]() ![]() It can generate graphs using different types of parameters enabling users to gain a full picture of the dataset’s properties quickly and accurately. In addition to its many tools designed to simplify machine learning deployments and management, SageMaker Clarity also offers powerful data visualization capabilities that give quick insights into complex datasets without having to be an expert statistician or data scientist. Additionally, SageMaker Clarify offers comprehensive platform integration capabilities-including integration with existing ML platforms such as TensorFlow or scikit-learn-making the transition even smoother. It offers a variety of features that facilitate implementation-including pre-trained model support a one-click API instantiation feature auto scaling for newly deployed code modules free bandwidth for predictions and one-click model deployment on production systems-allowing developers faster time-to market and cost reductions from increased automation. SageMaker Clarify simplifies the deployment process for machine learning models, making the whole process much more user-friendly. SageMaker Clarity also provides automatic model analysis and diagnostics feature that allow users to better monitor their model’s performance in real-time for optimized results. Machine learning models are able to interact with data sources in multiple formats, such as images, videos, text, audio or json files. The suite of tools provided by SageMaker Clarity makes deploying and managing machine learning models easier and quicker compared to traditional machine learning techniques. With SageMaker Clarify, large datasets can be rapidly processed, enabling users to quickly uncover hidden patterns or correlations within their data. It answers complex questions about data, allowing users to explore information more efficiently and gain useful insights. SageMaker Clarify is an Amazon Web Services (AWS) tool designed to help unlock the potential of machine learning. How has SageMaker Clarify Made Machine Learning Easier? With these capabilities, SageMaker offers a comprehensive platform for businesses to develop any machine learning project from exploration to deployment. Additionally, they can also apply Explainable AI methods like Local Interpretable Model-Agnostic Explanations (LIME) or Shapley Values to determine which features are most important for predicting outcomes for a model. With SageMaker Clarify businesses can take control of their data by using strategies like Root Cause Analysis to identify how each feature influences the model’s output in order to create more accurate predictions. SageMaker Clarify provides cloud-based ML and AI services, such as model exploration and debugging, data labeling, Interpretability analysis, monitoring, and more. SageMaker Clarify is an Amazon Web Services (AWS) product that enables businesses to unlock the potential of machine learning and artificial intelligence. Unlocking the Possibilities of Machine Learning with SageMaker Clarify.Analytics and Reporting for SageMaker Clarify.Leveraging Fusion middleware on SageMaker Clarify.xgboost Framework Support in SageMaker Clarify.Enhancing Machine Learning with SageMaker Clarify Rules.Machine Learning Model Performance Analysis with SageMaker Clarify.How to Get Started with SageMaker Clarify – Step by Step Guide.Understanding Explainability in SageMaker Clarify.A Look at Interoperabilty Features in SageMaker Clarify.Introducing the Key Features of SageMaker Clarify.How has SageMaker Clarify Made Machine Learning Easier?. ![]() ![]() ![]() A presidency worth all that paper and ink. Throughout, Obama casts his presidency as comprised of hard choices, sometimes made more difficult by internal disputes, mismanagement by the previous administration and obstructionism by Republicans, which he suggests was rooted in an attempt to appeal to anxieties about the first Black president. Yet he also acknowledges his own shortcomings on a range of topics, like calling his failure to pass immigration reform "a bitter pill to swallow" and acknowledging that the economy "stank" as he headed into the 2010 midterms, where Republicans reclaimed the House of Representatives on the back of the Tea Party movement.įair warning: it's nearly 800 pages long. Lift with your knees.ĬHEERS to happy little stabbies. Send out the town criers: "We have another vaccine! We have another vaccine!" And at 94.5 percent effectiveness, this one by Moderna appears poised to leave the one announced last week by Pfizer-at a paltry 90 percent-rotting on the shelf like yesterday's meatloaf. (I kid-we need all the vaccines we can get, and I plan to inject them all along with my usual morning gallon of bleach.) Even better, unlike Pfizer's vaccine this one it doesn't need to be stored up Mr. □ IG: theyeetbaby /kGCwLDdtRy- Buitengebieden November 15, 2020Īnthony Fauci first, so the next words I read will be crucial: Naturally, I never sink my personal fortune into anything without consulting human prospectus Dr. ![]() Rush also advocates for healthy eating and says there’s nothing more important than what you put in your body. “We’ll just have you come cook a little bit more,” she told him. He’s still just “Chef” or “Rush” to her and as humble as always. Pizzuto said celebrity hasn’t changed Rush one bit. I have this, and I’m going to overcome it.” I’m not going to be stuck in and out of appointments. “To have somebody who’s gone through the treatment and has come out and is doing so well and has used his injuries or what he’s faced and he’s turned it around and achieved - it’s awesome that we’re able to have that connection,” she said. His story has been motivating for other service members currently in the same transition unit that Rush went through a couple of years ago, said Casey Pizzuto, center manager at USO Warrior and Family Center-Belvoir, where Rush often volunteers in the kitchen. ![]() “I know it’s hard, but if a person like myself who can bench press 700 pounds and (has) 24-inch biceps can stop and say, ‘Hey, I need help,’ I mean, you can also.”Īndre Rush does 2,222 push-ups every other day to raise awareness of veteran suicide. “I hope and pray that they will see what I’m trying to say and even if it’s not me, that someone will say … ‘Get help,’” he continued. “Each and every time that I do a push-up, I do it for each and every person that I lost, especially Wesley and a few others that pop in my mind and the ones that are continually struggling right now.” It’s for a cause, it’s for a reason,” he said. “The point about them is not to just do them. One way he does this is by taking the #22PushupChallenge every other day to raise awareness of veteran suicide - only he does 2,222 so that it actually counts as a workout. That experience gave Rush a reason to talk more openly about his own feelings of depression and his post-traumatic stress disorder, which led him to start advocating for military transition-related issues. After that happened, it was hard,” Rush said.Īnd he often thinks about what would’ve happened if he had answered his phone. “I kind of took it for granted that he was OK, like people took it for granted that I was OK. He wonders if Durden picked up on that and similarly tried to hide his suffering from others. Rush blamed himself in part, for putting on a front when he was feeling depressed and going through hard times. Rush said the hardest part was being able to relate to Durden. “It just tore me apart,” he said, the pain of that moment showing on his face as he talked. phone call from an old pal he served with in Iraq, who gave him the worst news he could’ve imagined: Durden had killed himself. Rush remembers getting a call from Durden as he was in the middle of something and ignoring his phone, thinking he’d have a chance to call the younger man back the next day. Wesley Durden, to suicide, shortly after Rush had trained him to compete on the TLC show “Next Great Baker” in 2011. The worst was after Rush lost his mentee, Sgt. I would cook, and I would cook, and I sometimes would make a six-course meal without even realizing it.” ![]() “I would just do it on a normal basis, and when I was feeling down or depressed or off my game sometimes, I would just go in the kitchen, pull out stuff and I would just start cooking. “I didn’t realize cooking was my therapy until I actually realized cooking was my therapy,” said Rush, whose own separation from the military was aided by his time in a unit at Virginia’s Fort Belvoir for transitioning wounded warriors. He dealt with the raw physical and mental wounds of those experiences the only way he knew how - by cooking. Rush said that while in service, he was part of convoys that came under fire while traveling through combat zones, among other experiences. He was in the Army for 23 years and deployed to Iraq before medically retiring in 2016. And while that part of his internet fame comes with a lot of responsibility, he said, it’s also “pretty cool.” Rush never expected a big public platform, but one month in, he’s taking advantage of it to advocate for causes he’s been passionate about for years: food, exercise and veterans’ issues. He’s a little low on sleep these days trying to respond to everyone. (That’s 25 reps of 315 pounds for each body part and 2,222 push-ups every other day, in case you’re curious.) People want to know what it’s like to cook for President Trump, or Rush’s personal secret to staying so buff. “I get hundreds of emails or texts or pings a day,” he said in a recent interview, hours after receiving a gift from Arnold Schwarzenegger and an invitation to appear on a show with fitness guru Billy Blanks. But after a photo of him cooking outside the White House in a chef’s coat rolled up over 24-inch biceps went viral last month, the 45-year-old retired Army master sergeant is having a hard time staying under the radar - maybe for good. ![]() But it might be the worst hole in the world to dump one into a sand trap. ![]() The 16th hole at the WM is the ultimate place in golf to hit the shot of a lifetime, as Sam Ryder did last year here when he became only the 10th player ever to ace the hole, setting off a Category 5 beer-icane from all three luxury suite tiers and every corner of the bleachers. Over the past quarter-century, the 16th has cemented its reputation as "the greatest party on grass." This is golf at its Happiest Gilmore.īefore players enter the Coliseum through a tunnel from the 15th green, they're greeted by a cheerful sign on the facade that reads "Welcome to the Loudest Hole on Earth," but it feels more like a warning. It's a total anomaly on the PGA Tour, the one place where golf's whispered tones and dignified applause get flushed right down the port-a-potty, replaced by undignified trolling and ambitious cosplay. THE 16TH HOLE at the Waste Management, which really is what locals call this tournament, that or the WM, is like an oasis of Coors Light in the Desert Southwest. But here at the 16th hole at the Waste Management - and maybe only here at 16 - it'd feel wrong if someone didn't streak. So yes, streaking is wrong, let's be clear about that. All the way down the 17th fairway, halfway down 18, then jumped into the pond and enjoyed a brief refreshing swim, danced on the giant WM logo in the water and then finally, when he was good and ready, he surrendered to the authorities. Finally one security guard snapped out of his stupor, but the streaker juked past him and into the players' tunnel to the 17th hole, where we all assumed he got pancaked by the Scottsdale Police.Įxcept, of course, no one outside the Coliseum knew what he'd just done, and the fact is that a dude in a Speedo kind of blends in around this particular golf hole. He dropped it low, brought it back, dropped it low, brought it back. Already he'd defied the odds, but then he grabbed the pin from the hole and performed a kind of lap dance with no lap. He emerged Friday from somewhere near the tee box, nude except for a Speedo, with "19TH HOLE" painted on his back and an arrow pointing downward, and then he made a beeline straight down the middle of the fairway like he'd been smacked with a 9 iron through the manicured cactus garden, 180 yards to the cup. That being said, sometimes a legend comes along who pulls off a marathon streak so improbable, so filled with performative flourishes and so in keeping with the whole sloshy drunken gestalt of its place - the 16th hole at the Waste Management Phoenix Open, the only fully enclosed hole on the PGA Tour, aka the Coliseum - that we are reminded why rules are meant to be broken. It's boorish, infantile, and it always ends badly. STREAKING IS WRONG - let's be clear about that up front. bananas - at the most outrageous hole in golf ![]() NFL footage © NFL Productions LLC.You have reached a degraded version of because you're using an unsupported version of Internet Explorer.įor a complete experience, please upgrade or use a supported browserĪ wild weekend - including Minions vs. All other NFL-related trademarks are trademarks of the National Football League. NFL and the NFL shield design are registered trademarks of the National Football League.The team names, logos and uniform designs are registered trademarks of the teams indicated. ![]() ![]() They focus on the original craftsmanship of barbering, with a menu of classic options. Original Sharp Barbershop and Shave Parlorĭetails: Original Sharp offers expansive knowledge of all styles, techniques, and hair textures. The shop even has their own line of homemade beard balms, stache wax, and beard-grooming kits, called Sunshine’s Stache. They provide discounts for seniors and military members, and can accommodate wedding parties as well. Though they cater to men, they also welcome women, kids, and walk-ins. Mand’s specializes in haircuts, beard shaping, and straight-razor shaves. They also offer kids’ cuts along with reduced rates for high school and college-age students who show ID.ĭetails: Large leather couches, wood paneling, and barber chairs set the stage at this shave shop. Services include scissor haircuts, fades, buzz cuts, box braids, cornrows, beard trims, hot-towel shaves, and eyebrows. The barbers here specialize in both classic cuts and modern men’s hairstyles. With traditional barber chairs, hot-lather shaves, and head and neck massages, it feels like stepping back in time. They also offer kids’ haircuts tailored to their age and preference, and keep up with the latest trends.ĭetails: With two locations, Lions Den offers a hip grooming experience across North Jersey. The relaxing, plush leather chairs also get high marks. Customers love the friendly and professional group of master barbers here who are well-trained in their craft. Services include haircuts, beard trims, hot-towel shaves, and hairline shape ups. They also offer kids cuts for children 12 and under.ĭetails: This vintage-inspired, high-end barbershop offers an exceptional grooming experience with reasonable prices. Extras include eyebrow cleanup, black mask treatment, nose and ear waxing, and hair relaxers. ![]() The Old School-a classic haircut and relaxing hot-towel shave-is a fan favorite service for just $50. In particular, clients rave about owner Luis and his meticulous attention to detail. They also finish every hair cut with a clean line from a straight-edge razor.ĭetails: Jax Chop Shop offers espressos along with classic cuts, hot-towel shaves, beard trims, buzz cuts, and general cleanup. They use scissors whenever possible for a handcrafted touch. Services include haircuts, buzz cuts, beard trims with a straight razor, and a hot-towel shave. They like to say they offer old-school style with new-school touch. The shop sports brick walls, vintage barber chairs, oak vanities, marble countertops, and an old-fashioned cash register. Digital/Promotional Services for Local Businessesĭetails: Balkan brings back that old-time vibe.Hot Topics in NJ Presented by Caucus Educational Corporation. PornHubĪlso one of the biggest adult streaming sites in the world, being part of the goliath PornHub network that is consuming a lot of internet bandwidth in the world. TubeNinja is definitely the best xvideos downloader service that you can find on the web. One of the biggest adult streaming sites in the world. Here are some of the most popular adult content sites that we support Xvideos Adult sitesĪs part of the sites supported by TubeNinja, many of them are serving adult content. TubeNinja works as a mixcloud downloader also. There are also talks from sources like Harvard Business School and TED Talks on their site. Globally acclaimed DJs focus on getting you a blend of trance, electro, and many different sorts of music with your favorite songs. Mixcloud contains radio shows, DJ mixes, and podcasts from every genre, but mainly includes DJ remixes from around the world. The dl-trick for this one is a bit special so check out how TubeNinja works as a bandcamp downloader. BandCampĪ site for music creators to share their music and get discovered. Check out the vimeo download instructions and tips if it suits you. By visiting the site, you’ll see a gorgeous galaxy-filled background that would have you signing up in an instant. Once famous for being Twitter users’ go-to platform for sharing videos, Vimeo now stands on its own as a complete, high definition video sharing site. ![]() Here are the instructions on how to use TubeNinja as a vine downloader for you favorite videos. You’ve most likely seen these videos in your facebook or twitter feed. The clips can be shared to various social networks. If you don’t know about Vine it’s a site where users upload and share 6-second video clips. Read our tumblr download video instructions to save any tumblr video or audio. There are some special instructions to follow if you use the dl trick for tumblr. Tumblr is one of the biggest microblogging networks around today. It can save any channel or playlist in MP4, WAV, M4A, MP3 in high-quality (8k supported as well). If you need to download entire YouTube Playlists or Channels, you can use the awesome 4K Video Downloader for Mac, PC or Linux. Read on how to use TubeNinja as a YouTube Downloader YouTube Playlists & Channels The biggest video streaming site in the world that even offers live events for users to stream and comment on. So when you want to download and online video or audio file you can always try to paste the link to TubeNinja and see if it can help you (which it most likely can). With many more that still work without any extra effort. TubeNinja supports over 500 different streaming sites. Later when you're watching a video or listening to some audio you want to save offline, click it To install it, just drag the "Ninja it"-button from our top menu to your bookmarks bar. The beauty of this one is that it is quick and works for almost any site on the web.A simple copy of the link to the video or audio and then come to TubeNinja and paste it above.On other sites, you will be fine just copy-pasting the URL itself. On some sites, you might have to copy the “share” URL. This depends on how they handle their content. There are some special instructions for some pages. To use TubeNinja for downloading a video or audio file you will need to do one of the following things. Once we have the link(s) we just show it to you so that you can save the files without any installation. They are just not shown to the user in plain text, but “hidden” in the code. ![]() The files are always there, as they need to for streaming. What we do is that we find the video/audio file so that the user can save it instead of viewing it or listening to it. If a user has a bad internet connection, or later won't have Internet access at all, they can use TubeNinja to save it offline for later watching. Although “hidden” to the user so they don’t need to worry about that. In other words: to be able to view or list to the audio/video, your browser needs to access the file. This is the main reason TubeNinja is able to find the files. When you stream a video or audio, the content is saved onto your computer for a while, so that it can play. Now that sounds good, doesn’t it? How does it work? The non-technical version Our system will most likely find the files that you want anyway. We support over 80 streaming sites and you can even paste links to pages that we are not supported. You don’t have to install and sketchy apps or plugins. It works on your computer or smartphone without any hassle. TubeNinja is an online video download helper that allows you to save streaming audio or video. Welcome to TubeNinja - The best online video downloader Drag this button to your bookmarks bar, and later when you're browsing on a video or music that you want to download you just click the bookmark. While not as popular, those with touch screens include backlit designs and fingerprint recognition. While searching for the best keyless door locks on the market, the most popular options were ones that included a buttoned keypad for ease of use and visibility. We researched the most sought-after keypad door locks to replace traditional locks and discovered that the best keyless locks are determined by their ease of use, security grade, power source, connectivity, and other special features included by select brands. Photo: How We Chose the Best Keypad Door Locks
![]() Check out these factoring case studies to see real life situations where factoring was used. With factoring cash in hand and no worries about paying off the advance, you’re much better equipped to take your business to the next level. The stress of too much debt is severe for business owners, who in dire situations sometimes must decide between making payroll or interest payments. In addition, bank loans either amortize (pay back the principal in installments) over the loan term or is all due at the end. As long as you’re comfortable that your customer will pay at some point, there’s no need to worry about paying off the factoring advance.Ĭontrast that with a bank loan, where monthly interest payments can be a heavy burden on a business. The only thing left is for the customer to pay. ![]() It’s often the lowest-risk option for the business because the sale has been made, the work completed, and the invoice confirmed. It’s common for businesses to choose invoice factoring over a bank loan or merchant cash advances. Unfortunately, most factoring companies will not do this.Ĭan Invoice Factoring Improve My Business? We can also have the diligence fee taken out of your first advance, so you’re not paying it upfront. And our diligence fees will always fall within that range, oftentimes even less. At Harper Partners, we charge only as much as it costs us to run our diligence, not a penny more. Look out for exorbitant diligence fees well above that range. These fees are to run all their credit and background checks, tax diligence, analyze your business and customers. For instance, we won’t tack on an extra month of fees because the invoice was out for 31 instead of 30 days.Īll factoring companies also have a one time diligence fee which can range from $400-$600 for new clients. At Harper Partners we charge on a daily basis, so however long (to the day) the invoice is outstanding is the time we will use to calculate the fee. Beware, one common trick is to charge a low monthly factoring rate, but then charge you for two months even if the invoice was paid in a month and one day. In addition, some receivables factoring companies will advertise very low factoring rates (1% or less), which they will then mark up with a bevy of hidden fees. In these situations, proceed cautiously or move on to another factor that will be transparent with you. When considering factoring fees, transparency is very important – factoring companies that don’t make it simple to calculate their all-inclusive fees are probably doing this for their own advantage. ![]() Harper Partners’ fees typically range between 1-3% per month. They won’t ever hear from us. Payment for invoices are directed to an account we set up under your company’s name.įactoring fees range from 1-5% per month on the face value of the invoice. If you prefer we don’t talk to your customers at all, that’s not a problem. We have account managers who politely follow up on outstanding invoices, at your direction. Additionally, funds from factoring invoices can augment your available bank credit if needed.įinally, Harper Partners can help you collect on your receivables, but only if you want us to. ![]() Ultimately the factoring company is underwriting your customers as much as they’re underwriting your business. Furthermore, the high approval rate allows many to qualify for factoring even if they’ve been declined for a bank loan. The quick speed to funding allows a company to take advantage of immediate business opportunities such as large orders or timely expansion. The simple application process eliminates the major hurdles that banks place on small businesses when applying for a loan. And much, much less paperwork and headache than raising equity. Seamless access to funding allows a business to meet payroll, grow unimpeded, earn supplier discounts for early payment or bulk buys, or invest in new equipment to improve productivity.įactoring applications take much less time and paperwork than bank loans. And in terms of size, Harper Partners can fund up to $5 million credit lines, which is comparable to what most banks are willing to provide small businesses. The effective rate businesses pay through factoring is much better than other financing alternatives that don’t rely on their customers’ creditworthiness.įactoring also comes with a simpler application process, quicker time to funding, and much higher approval rate compared to bank financing. This is great for early stage or not quite profitable businesses selling to established companies or the government. No debt equals no restrictions.Īnother benefit of factoring is that the factoring company considers the credit quality of the applying business’s customers. A business sells its accounts receivable, receives cash and that’s it… There are no limitation to what the business can do with the funds. In contrast to bank financing, invoice factoring is not debt. Invoice Financing Compared to Traditional Bank Financing |
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