Many financiers charge you for their time and expense when reviewing your request for financing. Some factors will charge 'points' against individual advances. Others will charge these fees against an overall program approval size. Points are a euphemism for financier profits above and beyond transactional fees. Many financiers will require clients to post cash or securities as collateral to enable the financier to 'tap' into should the bill paying customer not promptly pay any amounts due.
Many financiers charge their fees up front.
Hamilton chooses to wait until the conclusion of each transaction before assessing and retaining its fee. Piece Few, but some, financiers insist that a business owner grant corporate stock to the financier as a condition of the financier's participation. This is the norm within the 'venture capital' community. Most financiers require the business owner, or the business itself, to guarantee the ultimate collectability of a factored invoice. Hamilton's program is known as non-recourse.