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Inzap Compared to the Alternatives

Inzap Accepting credit card payments Factoring Receivables financing from your bank
Cost to offer 30 day terms and get paid in advance 2.18% 2.5% 2.0 - 4.0% and up 1.0 - 1.4%
Cost to offer 60 day terms and get paid in advance 3.85% Not possible without costs to customer 4.0 - 8.0% and up 2.0 - 2.8%
Available to most small businesses Yes, most qualify Yes, most qualify No, usually reserved for larger companies No, usually reserved for larger/older companies
Will your business customers be happy with the solution? Yes, customers get terms but still get to interact with you directly No, customers usually don't want to tie up their credit card lines No, customers often feel harassed when dealing with factors Yes, this option is transparent to your customers
Provides a system to help you stay on top of customer payments Yes, web interface to manage and control the process No No No

What about business lines of credit?

While many small businesses do not qualify for a business line of credit, those that do find Inzap to be a great complement to the line of credit.

Not only can Inzap be an additional source of credit, but it can be a much easier way to synchronize the funds required for your receivables, since your used credit is automatically adjusted up and down as your customers are issued invoices and pay them off. With lines of credit, synchronizing the line drawn to the amount needed can be complex and a hassle.

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