--- title: Bay View Funding Blog | About Invoice Factoring description: About Invoice Factoring | Bay View Funding blogs explain what invoice factoring is and how factoring services can help a business owner with any cash flow problems. --- [![Submit a Payment](https://no-cache.hubspot.com/cta/default/211725/2836a4c1-908b-4584-8956-c2dfd9109628.png)](https://cta-redirect.hubspot.com/cta/redirect/211725/2836a4c1-908b-4584-8956-c2dfd9109628)   [Client Login](https://bayviewfunding.profitstars.com/) [Contact Us](https://www.bayviewfunding.com/contact) [(888) 229-9993](tel:888-229-9993) [![Bay View Funding Logo](https://www.bayviewfunding.com/hs-fs/file-433076702-png/images/logo-2.png?width=335&height=90&name=logo-2.png "Bay View Funding Logo")](https://www.bayviewfunding.com/) Fast invoice factoring and reliable service since 1985 [Se Habla Español](https://sites.bayviewfunding.com/prestamos-para-negocios) # Bay View Funding Blog ## [Heritage Bank of Commerce Builds Out National Specialty Finance Group](https://www.bayviewfunding.com/blog/heritage-bank-of-commerce-builds-out-national-specialty-finance-group) Posted by [Aaron Zahedani](https://www.bayviewfunding.com/blog/author/aaron-zahedani) on Tue, Jun 29, 2021 @ 02:17 PM [![](https://www.bayviewfunding.com/hubfs/hbc.png) ](https://www.bayviewfunding.com/blog/heritage-bank-of-commerce-builds-out-national-specialty-finance-group)   San Jose, California — June 29, 2021 — **Heritage Ban****k of Commerce (the “Bank”)**, a subsidiary of **Heritage Commerce  Corp (Nasdaq: HTBK)**, today announced that the Bank continues to expand its Specialty Finance Group. The Specialty  Finance Group consists of Bay View Funding’s national factoring business and the Bank’s national Asset-Based Lending  (“ABL”)/Corporate Finance team and regional Small Business Administration (“SBA”) lending team in the San Francisco  Bay Area. Heritage Bank of Commerce is an SBA Preferred Lender. Bay View Funding is a wholly owned subsidiary of  Heritage Bank of Commerce.  The Specialty Finance Group is structured to focus on and serve a comprehensive variety of clients who need alternative  loan products. The solutions driven team of commercial finance professionals has a long and established history of  funding privately held, microcap, venture-backed, private equity supported and publicly traded companies across the  United States. [Read More](https://www.bayviewfunding.com/blog/heritage-bank-of-commerce-builds-out-national-specialty-finance-group) 0 Comments [Click here to read/write comments](https://www.bayviewfunding.com/blog/heritage-bank-of-commerce-builds-out-national-specialty-finance-group#comments) Topics: [Business Growth](https://www.bayviewfunding.com/blog/topic/business-growth), [About Invoice Factoring](https://www.bayviewfunding.com/blog/topic/about-invoice-factoring) ## [Is Invoice Factoring Possible with Bad Credit?](https://www.bayviewfunding.com/blog/bid/329011/is-invoice-factoring-possible-with-bad-credit) Posted by [Aaron Zahedani](https://www.bayviewfunding.com/blog/author/aaron-zahedani) on Fri, Feb 19, 2021 @ 09:00 AM [![](https://www.bayviewfunding.com/hs-fs/file-274845012-jpg/images/dollar-army-5-1162220-m-resized-600.jpg) ](https://www.bayviewfunding.com/blog/bid/329011/is-invoice-factoring-possible-with-bad-credit) # Don't let bad credit hold you back from your success There are times when you may be experiencing a cash flow crunch, or have little or no credit history and you believe traditional forms of finance may just not be an option. During these times you may also worry that[ invoice factoring](https://www.bayviewfunding.com/financial-products-services/faq/) companies will also turn you down because of some form of poor credit history. [Read More](https://www.bayviewfunding.com/blog/bid/329011/is-invoice-factoring-possible-with-bad-credit) 1 Comments [Click here to read/write comments](https://www.bayviewfunding.com/blog/bid/329011/is-invoice-factoring-possible-with-bad-credit#comments) Topics: [Alternative Financing](https://www.bayviewfunding.com/blog/topic/alternative-financing), [About Invoice Factoring](https://www.bayviewfunding.com/blog/topic/about-invoice-factoring) ## [The Invoice Factoring Process in 5 Simple Steps](https://www.bayviewfunding.com/blog/the-invoice-factoring-process-in-5-simple-steps) Posted by [Gil Oliva](https://www.bayviewfunding.com/blog/author/gil-oliva) on Sun, Feb 07, 2021 @ 10:02 AM [![](https://www.bayviewfunding.com/hubfs/business%20cash%20flow.jpg) ](https://www.bayviewfunding.com/blog/the-invoice-factoring-process-in-5-simple-steps) ## From Initial Contact to Commitment – Invoice Factoring in 5 Simple Steps The invoice factoring promise of an injection of money now for invoices due to be paid by your customer later could be just what your company needs to succeed. However, rather like applying for a mortgage, or filling out your tax return, the process may initially seem intimidating. Any application that involves filling out paperwork, and a request for detailed documentation, certainly requires a level of commitment. Once you have [investigated invoice factoring as an option](https://www.bayviewfunding.com/blog/bid/347840/Invoice-Factoring-5-Frequently-Asked-Questions), consider the complete invoice factoring cycle to help you decide if factoring really would be a great fit for your company. The steps are simple, but it pays to be prepared: [Read More](https://www.bayviewfunding.com/blog/the-invoice-factoring-process-in-5-simple-steps) 0 Comments [Click here to read/write comments](https://www.bayviewfunding.com/blog/the-invoice-factoring-process-in-5-simple-steps#comments) Topics: [How to Grow Your Business](https://www.bayviewfunding.com/blog/topic/how-to-grow-your-business), [About Invoice Factoring](https://www.bayviewfunding.com/blog/topic/about-invoice-factoring), [Financing Government Contractors](https://www.bayviewfunding.com/blog/topic/financing-government-contractors) ## [Invoice Factoring - What Happens When Customers Don’t Pay?](https://www.bayviewfunding.com/blog/invoice-factoring-what-happens-when-customers-dont-pay) Posted by [Gil Oliva](https://www.bayviewfunding.com/blog/author/gil-oliva) on Thu, Jan 16, 2020 @ 08:21 AM [![](https://www.bayviewfunding.com/hs-fs/file-532451771-jpg/images/blog_2.19.jpg) ](https://www.bayviewfunding.com/blog/invoice-factoring-what-happens-when-customers-dont-pay) Considering invoice factoring, but worried about the implications if a customer does not pay? Allow Bay View funding provide some clarification the process. Firstly, to put your mind at ease before we go into details, ***an efficient invoice factoring company will thoroughly vet your customers for reliability to reduce the risks associated with non-payment. An invoice factoring company should always:*** - [Run a credit check on customers](http://www.inc.com/guides/2010/12/how-to-run-a-credit-check.html) - Provide accounts receivable reporting and [invoice management](https://www.bayviewfunding.com/blog/bid/332700/How-Factoring-Companies-Help-With-Invoice-Management) throughout the factoring process from invoice in to payment out [Read More](https://www.bayviewfunding.com/blog/invoice-factoring-what-happens-when-customers-dont-pay) 0 Comments [Click here to read/write comments](https://www.bayviewfunding.com/blog/invoice-factoring-what-happens-when-customers-dont-pay#comments) Topics: [About Invoice Factoring](https://www.bayviewfunding.com/blog/topic/about-invoice-factoring) ## [What Is the Cost of Invoice Factoring?](https://www.bayviewfunding.com/blog/what-is-the-cost-of-invoice-factoring) Posted by [Gil Oliva](https://www.bayviewfunding.com/blog/author/gil-oliva) on Wed, Jun 12, 2019 @ 11:28 AM [![](https://www.bayviewfunding.com/hubfs/bigstock-Businessman-Investment-Consult-284517556.jpg) ](https://www.bayviewfunding.com/blog/what-is-the-cost-of-invoice-factoring) Invoice factoring provides businesses with quick cash they can use to invest in expansion or cover expenses. However, business owners often wonder if it’s the most cost-effective way to obtain funding. Here’s a breakdown of the process, a comparison of recourse and non-recourse factoring, and a look at factoring fees.   [Read More](https://www.bayviewfunding.com/blog/what-is-the-cost-of-invoice-factoring) 0 Comments [Click here to read/write comments](https://www.bayviewfunding.com/blog/what-is-the-cost-of-invoice-factoring#comments) Topics: [About Invoice Factoring](https://www.bayviewfunding.com/blog/topic/about-invoice-factoring), [Cash Flow management](https://www.bayviewfunding.com/blog/topic/cash-flow-management), [Invoice Factoring Costs](https://www.bayviewfunding.com/blog/topic/invoice-factoring-costs), [Invoice factoring](https://www.bayviewfunding.com/blog/topic/invoice-factoring) ## [Recourse vs. Non-Recourse Factoring: Which is Right for Your Business?](https://www.bayviewfunding.com/blog/recourse-vs.-non-recourse-factoring-which-is-right-for-your-business) Posted by [Gil Oliva](https://www.bayviewfunding.com/blog/author/gil-oliva) on Thu, Jan 25, 2018 @ 09:27 AM [![](http://www.mymstr.com/wp-content/uploads/2015/02/Features-Comparison-300x225.jpg) ](https://www.bayviewfunding.com/blog/recourse-vs.-non-recourse-factoring-which-is-right-for-your-business)   All types of financing involve [risk](https://www.simplilearn.com/financial-risk-and-types-rar131-article). In the field of invoice factoring, the risk is usually derived from insolvent customers. In invoice factoring contracts, either the factor or the client company assumes the risk of nonpayment. Understanding financial risk can help you choose the right type of factoring arrangement for your company’s needs.   [Read More](https://www.bayviewfunding.com/blog/recourse-vs.-non-recourse-factoring-which-is-right-for-your-business) 0 Comments [Click here to read/write comments](https://www.bayviewfunding.com/blog/recourse-vs.-non-recourse-factoring-which-is-right-for-your-business#comments) Topics: [About Invoice Factoring](https://www.bayviewfunding.com/blog/topic/about-invoice-factoring), [recourse and non-recourse factoring](https://www.bayviewfunding.com/blog/topic/recourse-and-non-recourse-factoring) ## [How Invoice Factoring Helps Startups](https://www.bayviewfunding.com/blog/how-invoice-factoring-helps-startups) Posted by [Seth Herman](https://www.bayviewfunding.com/blog/author/seth-herman) on Thu, Jun 22, 2017 @ 10:01 AM [![](https://www.bayviewfunding.com/hubfs/bigstock--187370839.jpg) ](https://www.bayviewfunding.com/blog/how-invoice-factoring-helps-startups) Startups can be some of the most innovative business ventures. Being innovative can also involve a lot of risk, and many startups suffer from time constraints, staffing to meet demands, and difficulty obtaining funding. Invoice factoring may be able to help with funding by optimizing cash flow without the long delay that generally follows the invoicing process. Using invoice factoring may help ensure that your startup won’t run out of funds, which could potentially halt operations and slow growth. [Read More](https://www.bayviewfunding.com/blog/how-invoice-factoring-helps-startups) 0 Comments [Click here to read/write comments](https://www.bayviewfunding.com/blog/how-invoice-factoring-helps-startups#comments) Topics: [About Invoice Factoring](https://www.bayviewfunding.com/blog/topic/about-invoice-factoring), [Start up funding](https://www.bayviewfunding.com/blog/topic/start-up-funding) [All posts](https://www.bayviewfunding.com/blog/all) [Next](https://www.bayviewfunding.com/blog/topic/about-invoice-factoring/page/2) ### Subscribe by Email ### Posts by Topic - [About Invoice Factoring (157)](https://www.bayviewfunding.com/blog/topic/about-invoice-factoring) - [Financing Government Contractors (100)](https://www.bayviewfunding.com/blog/topic/financing-government-contractors) - [Cash Flow (59)](https://www.bayviewfunding.com/blog/topic/cash-flow) - [Cash Flow Solution (48)](https://www.bayviewfunding.com/blog/topic/cash-flow-solution) - [Alternative Financing (42)](https://www.bayviewfunding.com/blog/topic/alternative-financing) - 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