What is concentration?
Concentration: The share of your receivables tied up in a single customer.
How it works
Most factors cap concentration at 25–40% of the outstanding book per account. High concentration isn't a dealbreaker—it just changes pricing and reserve structure.
Where you will run into it
Concentration comes up most often in invoice factoring conversations. See how invoice factoring works, including real cost ranges and timelines.
Concentration questions
The share of your receivables tied up in a single customer.
Most factors cap concentration at 25–40% of the outstanding book per account. High concentration isn't a dealbreaker—it just changes pricing and reserve structure.
Funding Requirements Checklist for US manufacturers
See exactly what underwriters actually look at — for factoring, PO financing, equipment, working capital, ABL, and SBA — before you fill out a single application.
- What documents you need for each program
- Typical time-to-fund by program
- Common disqualifiers worth knowing up front
- How Manufactor Finance is compensated — $0 fees to you
Talk to a funding consultant
Questions before you apply? A consultant can walk through this checklist with you, no pressure and no obligation.
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