Factoring can accelerate cash flow, but it requires precise documentation and careful analysis of receivables, security and priority. Kugler Wechsler advises factors, lenders and businesses in structuring efficient solutions tailored to the transaction's risk profile.
Turning Receivables into Liquidity Without Losing Sight of Risk
Factoring and accounts receivable financing can accelerate cash flow and support growth, but their effectiveness depends on precise documentation and a coherent security structure. Receivable quality, customer disputes, credits and returns, concentration, set-off rights and the priority of other creditors can all change the economic risk of the transaction.
Whether you are a factor, an asset-based lender or a business seeking to monetize its receivables, you need to know which accounts are eligible, how they will be sold or charged and who will bear the risk of non-payment.
Practical Expertise Suited to the Pace of Factoring
Kugler Wechsler has maintained relationships with participants in the factoring industry for decades. We understand the importance of speed, predictable costs and documents that can be used efficiently in day-to-day operations.
We advise factors, asset-based lenders and businesses on structuring, negotiating and implementing recourse and non-recourse factoring programs. Our experience in secured financing, insolvency and enforcement helps us identify priority and collection risks before they become obstacles.
Our Services in Factoring & Receivables Financing:
- Structuring and documenting purchases of receivables and accounts receivable financings
- Drafting and negotiating factoring agreements, guarantees, hypothecs and assignments
- Defining eligibility criteria, reserves, concentration limits and repurchase events
- Advising on notices to account debtors, collection mechanics and blocked accounts
- Conducting corporate due diligence and analyzing priorities and rights of set-off
- Negotiating intercreditor agreements, subordinations and releases
- Handling amendments, defaults, repurchases and restructuring situations
- Coordinating Quebec aspects of national or cross-border factoring programs
Turn your Accounts Receivable into a Source of Funding:
- Recourse and non-recourse factoring
- Purchase and assignment of receivables
- Accounts receivable financing
- Factoring agreements and security documents
- Eligibility criteria, reserves and concentrations
- Notices to account debtors and collection mechanics
- Priorities, set-off and intercreditor arrangements
- National and cross-border programs
- Defaults, repurchases and restructurings