Restock While Your Retail Customers Take 60 Days to Pay.

Sometimes. If a large order needs inventory before it ships, Sigma provides advances and PO funding directly in some cases, and works with a PO funding partner in others to get you what you need. Once the order ships and you invoice it, the invoice can be factored.

Deductions, chargebacks, short-pays and returns are part of selling to retailers. We ask your customer to confirm each invoice is due and payable, and each deduction is accounted for based on your situation. Tell us about your customers' deduction programs when you apply.

No. You choose which customers and which invoices to factor. Many distributors factor only their slowest-paying accounts.

Yes. There's no hard concentration limit. We assess risk for each business, including how much of your receivables one customer owes.

Yes. Sigma sends each customer you factor a Notice of Assignment telling their accounts payable team to send payment on your invoices to Sigma. Your customer keeps receiving your invoices and pays on its usual terms; only the payment address changes.

Our standard agreement runs 12 months. If you’d rather see how we work together first, we can start with a trial period. If you expect your situation to change, for example by qualifying for a bank line of credit, raise it when we prepare your proposal. Any flexibility on term or exit is written into your agreement.

No. We don’t pull owners’ personal credit reports or scores. We review your customers’ credit and payment history.

Yes. You can sign before your first invoice. We generally look for growth to at least $50,000 a month in invoices as a sign the business is viable and stable. That’s a growth expectation, not a condition of signing.