One is 30, and another is 60 days from being received.
You should get one that not only has a low interest rate, but also disperses a large percentage of the accounts receivables (ideally, you should get one that dispenses 90% of the face value of the invoice for the initial payment). These accounting transactions deal with the billing of customers who owe money to a person, company or organization for goods and services purchased.

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If you opt to draw from your overdraft, never go over your pre-arranged limit.
With accounts receivable factoring, the focus is on balancing your cash flow regardless of your situation. Factoring in Canada is somewhat of a fragmented industry, so we encourage you to seek and speak to respected and credible business financing and factoring advisor.