The cost should depend on the credit worthiness of your client and the term you want to extend. To me it's the cost of being able to sleep at night while runni

The cost should depend on the credit worthiness of your client and the term you want to extend. To me it's the cost of being able to sleep at night while running a service business. Consumers have practically forced retailers to eat credit card fees despite being able to require cash from consumers at one time. If clients keep skipping out on paying vendors then factoring will be the norm. Clients who don't have good credit will have to pay up front for service.