A factor can loan you money to help with your cash flow.

See, there can be a big gap of time between when you sell product and when you actually get paid. Stores 9 times outta ten are not going to pay you until after they receive the goods…and if they are on terms that could mean a gap of 30 or 60 days.

In the meantime you have to produce their orders. A factor is a financial institution that can issue you a loan based on your invoices.