Factoring includes accounts receivable credit protection, receivable management, financing, or any combination of the three. It is used by companies of all sizes, small businesses and large corporations alike. IRC works with a number of factors to build competitively priced custom programs.

Credit protection is usually offered at 100% indemnity and guards against non-payment risk for both domestic and international sales. Most contracts are written on a multi-buyer basis with a spread of risk, but one-off protection is also available.

Receivables management may involve outsourcing accounts receivable management, accounts receivable bookkeeping, and cash collections. Some factors also provide cash application management and provide online access and report generation for sales, accounts receivable, and cash activity.

Factors offer both short-term asset-based lending and accounts receivable purchase facilities. Some also provide term loans and working capital lines to fund inventory or equipment purchases.