Definitely not.  All companies need to have a way to meet their need for working capital.  Factoring is one solution that has been utilized for generations.   When notifying customers of a factoring agreement, CFR presents it as a managerial and financial tool to assist the business and support its growth.  Factoring clients have customers make payments as they have in the past, but simply to a different address.  Far from negative – Factoring is actually beneficial to your customers because it allows you to have ready access to the funds and resources needed to respond to their needs promptly and effectively.