TACH + Your Factoring Company: How They Work Together (You Keep Both)

Quick Answer

TACH is NOT a factoring company. TACH offers business banking services² designed for independent truckers.

Here's the simple truth:

• ✅ Keep your current factoring company - Don't switch, don't cancel
• ✅ Open a TACH business account - Your new operating account for trucking
• ✅ Direct factoring deposits to TACH - Give your factor your new TACH routing/account number
• ✅ Use both services together - They complement each other perfectly

Think of it this way:

• Your factoring company = Gets you paid fast on invoices (converts receivables to cash)
• TACH business banking = Manages that cash, provides advances, tracks expenses, offers fuel cards

You get the best of both worlds: Fast payment from factoring + smart money management from TACH.

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What is Freight Factoring? (Quick Refresher)

Before we explain how TACH works with factoring, let's quickly review what factoring is for those new to trucking.

How Freight Factoring Works

Freight factoring (also called invoice factoring or trucking factoring) is a financial service that buys your unpaid freight invoices and pays you immediately.

The normal payment timeline without factoring:

1. You deliver a load → Monday
2. Submit invoice to broker/shipper → Monday
3. Broker processes invoice → Tuesday-Friday
4. Broker issues payment → 15-30 days later
5. You get paid → 30-45+ days after delivery

With a factoring company:

1. You deliver a load → Monday
2. Submit invoice + POD to factor → Monday
3. Factor verifies load → Same day
4. You get paid → Within 24 hours (sometimes same day)
5. Factor collects from broker → 30 days later

What you pay: 1-5% factoring fee (typically 2-3% for most owner operators)

Common Factoring Companies

Popular freight factoring services include:

• OTR Capital
• Triumph Business Capital
• RTS Financial
• Apex Capital
• eCapital
• TBS Factoring
• Porter Freight Funding
• Many others

Average factoring rates: 1.5-5% depending on:

• Your credit and broker credit
• Volume (more loads = lower rates)
• Recourse vs. non-recourse
• Quick pay speed (same day vs. 24 hours)

Why Owner Operators Use Factoring

Main benefits:

• ✓ Immediate cash flow - No waiting 30-45 days
• ✓ Fuel today's loads - Money in hand to buy fuel for next load
• ✓ Credit protection - Non-recourse factoring protects against non-payment
• ✓ Collections handling - Factor handles following up with brokers
• ✓ Broker credit checks - Factor vets brokers before you haul

The cost: 2-4% on average (worth it for fast payment + protection)

Example:

• Load pays: $2,000
• Factoring fee (3%): $60
• You receive: $1,940 within 24 hours
• Alternative: Wait 30+ days for full $2,000

Most owner operators gladly pay $60 to have cash in hand immediately rather than wait a month.

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What is the TACH Business Account for Truckers?

TACH is a business banking platform specifically designed for independent carriers and owner operators.

What TACH Provides

1. Business Account

• Business account designed for trucking operations
• FDIC-insured (up to $250,000)
• No monthly maintenance fees
• Mobile app and online access
• TACH Trucker Funding Program Visa® Prepaid cards¹

2. Cash Advances

• Fast funding for repairs and tires
• Based on your business operations & cash flow
• Flexible repayment terms
• No traditional credit score requirements
• Funding in less than 48 hours

3. Expense Management

• Auto-categorize expenses to trucks & drivers
• Real-time profit/loss tracking per truck on a per-mile basis
• Simplified tax preparation
• Export transactions to accounting software (QuickBooks, Xero, etc.)

4. TACH Partner Network

• Access to vetted freight brokers as a TACH member
• Priority rates for TACH members (from TACH Partner Brokers)
• Dedicated freight lanes for TACH members (from TACH Partner Brokers)
• Better negotiation position for TACH members

5. Additional Services

• 24/7 emergency roadside assistance via Fleetnet
• Easy access to truck rentals via Penske & Ryder
• Bridgestone tire discounts nationwide

What TACH Does NOT Do

❌ TACH does not buy all your invoices (that's factoring) - Use your existing factoring company ❌ TACH does not collect payment from brokers (that's factoring) - Use your existing factoring company ❌ TACH does not provide broker credit checks (that's factoring) - Use your existing factoring company ❌ TACH is not a replacement for factoring services - Use your existing factoring company

TACH replaces your current business bank account. With TACH, you get a business account where all your money flows through and gets managed intelligently, while keeping your existing factoring company.

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The Key Difference: Factoring vs. Business Banking Services

Understanding the difference is critical:

Factoring Company = Accounts Receivable Solution

Purpose: Convert unpaid invoices into immediate cash

What they do:

• Buy your invoices at a discount
• Advance you 90-98% of invoice value within 24 hours
• Collect full payment from broker (30-45 days later)
• Keep the factoring fee as their profit

You need factoring when: You can't wait 30-45 days for payment

TACH = Business Banking Services + Cash Flow Tools

Purpose: Manage your money and provide working capital (cash advances)

What TACH does:

• Hold your money in a business account
• Provide additional cash advances when needed (for repairs or tires)
• Track expenses and profitability
• Offer you discounts on Bridgestone tires
• Give you financial visibility and control

You need TACH when: You want smart money management and access to capital

They Solve Different Problems (Factoring vs. Business Banking Services)

Factoring solves: "I need to get paid faster on this invoice"

TACH solves: "I need a business account, expense tracking, and access to working capital"

Together they solve: "I need fast invoice payment AND intelligent money management"

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How TACH and Your Factoring Company Work Together

Here's exactly how the two services work side-by-side:

The Flow of Money

Step 1: You deliver freight

• Complete your load
• Get signed BOL/POD from receiver

Step 2: Submit to factoring company

• Upload invoice and POD to your factor (RTS, OTR Capital, Triumph, etc.)
• Factor verifies the load with broker

Step 3: Factor pays you

• Factor deposits funds to your bank account
• This is where TACH comes in → Deposits go to your TACH account
• Money arrives within 24-48 hours

Step 4: Money hits your TACH account

• Funds are available immediately in TACH
• Track the deposit in TACH app
• Categorize as "Load #123 - Unit 3"
• Use funds for fuel, expenses, truck payments, repairs, tires, licensing, tolls, etc.

Step 5: Manage with TACH tools

• Track all expenses through TACH app
• Access additional cash advances if needed
• Monitor profit/loss in real-time

What Changes When You Add TACH?

Before TACH (Just Factoring):

You deliver load
    ↓
Submit to factoring company
    ↓
Factor pays you → Your personal/basic business bank
    ↓
You manually track everything
    ↓
No visibility into profit/loss
    ↓
No access to additional working capital

After Adding TACH:

You deliver load
    ↓
Submit to factoring company
    ↓
Factor pays you → Your TACH business account
    ↓
TACH automatically categorizes deposit
    ↓
Track expenses with auto-categorization and intelligent budgeting
    ↓
Real-time profit/loss visibility per truck on a per-mile basis
    ↓
Access to cash advances when needed
    ↓
Get tons of other perks through the TACH program (truck rentals, Bridgestone tire discounts, 24/7 emergency roadside assistance, etc.)

The only thing that changes: Where your factoring deposits go (your TACH business account instead of a regular bank)

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Setting Up TACH with Your Existing Factor (5 Steps)

Here's the simple process to integrate TACH with your current factoring company:

Step 1: Open Your TACH Business Account

Time required: 10-15 minutes

What you need:

• Business name and EIN
• MC/DOT numbers
• Driver's license
• Basic business information

Process:

1. Go to tachusa.com
2. Choose "Carrier" if you are an independent carrier or small fleet
3. Complete online application
4. Submit required documents
5. Account approval (typically next business day)

Result: You'll receive your TACH business account number and routing number

Step 2: Update Your Factoring Company

Time required: 5 minutes

Contact your factoring company (RTS, OTR Capital, Triumph, etc.) and say:

"I've opened a new business banking account with TACH and would like to update my deposit information. Here's my new routing and account number."

Provide:

• Your TACH routing number
• Your TACH account number
• Confirm the legal business name matches

That's it. Your factor updates their system and future payments go to your TACH business account.

Step 3: Verify First Deposit

Timeline: Your next factored load

Process:

1. Factor a load as usual
2. Watch for deposit in your TACH business account (within 24-48 hours)
3. Verify amount matches expected payment
4. Confirm everything processed correctly
5. TACH Support team will verify the deposit and notify you when it's available

Step 4: Set Up TACH Services

Time required: 15-30 minutes

Configure these TACH features:

Expense tracking & fleet card controls:

• Download TACH mobile app
• Set up expense categories
• Add all of your existing assets
• Order a TACH prepaid card for each of your trucks
• Set card controls for each TACH prepaid card (daily spend, spend categories, etc.)

Step 5: Optimize Your Workflow

Ongoing:

Daily routine:

• Submit loads to factoring company as usual
• Track expenses in TACH as they happen
• Monitor cash flow in TACH dashboard

Weekly routine:

• Review profit/loss in TACH dashboard
• Reconcile factoring deposits
• Plan upcoming loads based on cash position

Monthly routine:

• Export TACH reports for accounting
• Review factoring fees vs. revenue
• Optimize spending based on TACH insights

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Benefits of Using TACH + Factoring Together

When you use both services, you get compounding benefits:

Benefit 1: Fast Payment + Smart Management

Factoring gives you: Money within 24-48 hours TACH adds: Intelligent categorization, expense management, and tracking of that money

Result: You get paid fast AND know exactly where your money goes

Benefit 2: Multiple Funding Sources (Cash Advances)

Factoring covers: Invoice advances (pay for loads you've delivered) TACH covers: Operating capital for repairs & tires

Example scenario:

• You factor a load → Get $1,800 in TACH account
• Fuel costs $600 → Use TACH prepaid card (or your existing fuel card)
• Truck needs $2,500 repair → Use TACH cash advance
• Next load pays $2,200 → Repay advance, back to positive

Without TACH: You'd be stuck waiting for enough factored loads to cover the repair.

Benefit 3: Better Financial Visibility

Factoring shows you: How much you got paid per load TACH shows you: Full picture of revenue, expenses, and profitability per truck on a per-mile basis

TACH dashboard displays:

• All factoring deposits (revenue)
• Fuel expenses (biggest cost) per truck
• Maintenance and repairs per truck
• Insurance and permits per truck
• Net profit per week/month per truck
• Profit per mile (Revenue-per-mile minus Cost-per-mile) per truck
• Driver profitability and performance insights

Result: Make better business decisions with full financial visibility

Benefit 4: Lower Costs Through TACH Programs

Factoring costs: 2-4% per load (necessary for fast payment) TACH helps offset: Through increased reliability, Bridgestone tire discounts, and better money management

Example savings with TACH:

• When you break down, get 24/7 emergency roadside assistance via Fleetnet to get a wrecker to your location
• To cover the breakdown repairs, you can get a cash advance
• While your truck is getting repaired, you can easily get a rental truck from Penske or Ryder (keep making revenue)
• Better expense tracking: Catch unnecessary spending = $2,000-$5,000/year
• Total potential savings: $10,000+/year

This can offset 50-100% of your annual factoring fees.

Benefit 5: One Platform for Everything

Before TACH:

• Factoring app (check load status)
• Personal bank app (check balance)
• Spreadsheet (track expenses)
• Calculator (figure profit/loss)
• Paper receipts (taxes)

With TACH:

• TACH app (everything in one place)
• See all deposits including factored loads
• Track all expenses automatically
• Calculate profit/loss in real-time per truck on a per-mile basis
• Transaction history for all of your assets (for tax preparation)

Result: Less time on admin, more time on the road earning.

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Real-World Example: A Week in the Life

Let's follow Jake, an owner operator who uses both Traditional Factoring and TACH:

Monday

7:00 AM - Deliver load in Atlanta

• Revenue: $2,400
• Submit invoice + POD to Traditional Factoring via app

9:00 AM - RTS approves load

• Factoring fee (2.5%): $60
• Net payment: $2,340
• RTS deposits to Jake's TACH account

10:00 AM Next Day - Money hits TACH account

• Jake gets notification on TACH app
• TACH auto-categorizes as "Freight Revenue for Unit 1"
• Current TACH balance: $3,840

11:00 AM - Book next load

• Atlanta → Memphis, delivers Tuesday
• Rate: $1,800

1:00 PM - Fuel up for Memphis run

• Uses TACH prepaid card at Pilot
• Cost: $520
• Discount: $0.12/gallon = saves $48
• Net cost: $472
• TACH auto-tracks as "Fuel Expense for Unit 1"

Tuesday

8:00 AM - Deliver Memphis load

• Revenue: $1,800
• Submit to Traditional Factoring

10:00 AM - Traditional Factoring deposits payment

• Net payment: $1,755 (after 2.5% fee)
• Hits TACH account next day at 11:00 AM

2:00 PM - Book return load

• Memphis → Dallas
• Rate: $1,650

4:00 PM - Truck needs maintenance

• Oil change + inspection: $380
• Pays with TACH prepaid card
• Auto-categorized as "Maintenance for Unit 1"

Wednesday

Morning - Check TACH dashboard

• Week-to-date revenue: $4,095 (factored loads)
• Week-to-date expenses: $852 (for Unit 1)
• Net profit so far: $3,243 (for Unit 1)
• Profit per mile: $1.76/mile (for Unit 1)

Afternoon - Unexpected issue

• Tire needs replacement: $650
• TACH balance: $3,488 (enough to cover it)
• Could also request TACH cash advance if needed
• Pays with TACH card, categorizes as "Tires for Unit 1"

Thursday

Continue operations

• Dallas load delivers
• Factor with Traditional Factoring → $1,610 to TACH account
• Book next load
• All expenses tracked in TACH

Friday - End of Week Review

Jake opens TACH dashboard:

Revenue (from factoring):

• 4 loads factored this week
• Gross revenue: $7,450
• Factoring fees: $186 (2.5%)
• Net deposited to TACH: $7,264

Expenses (tracked by TACH):

• Fuel: $1,580
• Maintenance: $1,030
• Insurance: $385
• Tolls/scales: $105
• Total expenses: $3,100

Net Profit: $4,164 for the week

Jake's insights from TACH:

• Average profit per load: $1,041
• Cost per mile: $1.58/mile (for Unit 1)
• Revenue per mile: $2.73/mile (for Unit 1)
• Profit per mile: $1.15/mile ✅ (healthy margin) (for Unit 1)

Without TACH: Jake would have the same money, but no idea about his true profitability or expense breakdown.

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Common Misconceptions (Debunked)

Let's clear up the confusion:

❌ Misconception #1: "TACH is a factoring company"

✅ Reality: TACH offers business banking services. We don't buy invoices, we manage your money.

Think of it like:

• Factoring company = Cash advance service (converts invoices to cash)
• TACH = Business account where that cash is deposited and managed

❌ Misconception #2: "I have to switch from my factoring company to TACH"

✅ Reality: You keep your factoring company. You just add TACH as your business account.

Process:

• Keep traditional factoring company.
• Open TACH Business account
• Update deposit info with your factor
• Continue using traditional factoring as usual

❌ Misconception #3: "TACH replaces my factoring company"

✅ Reality: TACH complements your traditional factoring company. They work together.

You need both:

• Factoring: Fast payment on invoices
• TACH: Smart money management + additional working capital

❌ Misconception #4: "I'll have to wait longer to get paid"

✅ Reality: You'll only have to wait an additional 24-48 hours to get paid (but you'll save approximately $8,000+/year per truck).

Timeline stays the same:

• Submit load to factor
• Factor transfers funds to your TACH business account within 24 hours
• Money hits your TACH account 24-48 hours later
• Similar speed to traditional factoring, but better management

❌ Misconception #5: "TACH charges factoring fees"

✅ Reality: TACH does not charge factoring fees. We charge a small fee on income deposits.

Fee structure:

• Your factor: 2-4% per factored invoice (unchanged)
• TACH: Fee on income deposits (1.8-2.25% based on fleet size)
• TACH cash advances: Competitive rates only when you use them

❌ Misconception #6: "I can only use TACH or factoring, not both"

✅ Reality: Using both together is actually the recommended approach.

Best practice:

• Use factoring for fast invoice payment
• Use TACH for business banking + expense management + additional capital

Most successful TACH members use both services.

❌ Misconception #7: "TACH will slow down my factoring"

✅ Reality: TACH has no impact on your factoring speed.

Your factor's process is unchanged:

1. You submit invoice
2. Factor verifies load
3. Factor deposits to your account (which is now TACH)

The only difference: Better visibility and management once money hits your account.

❌ Misconception #8: "I need TACH's permission to use factoring"

✅ Reality: TACH doesn't control or restrict your traditional factoring relationship.

You're free to:

• Use any factoring company you want
• Switch factoring companies anytime
• Negotiate factoring rates
• Choose recourse vs. non-recourse
• Factor some loads and not others

TACH is just your business account - we don't dictate how you get paid.

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TACH vs. Factoring: Side-by-Side Comparison

The Bottom Line

Factoring = Solves your "I need to get paid now" problem TACH = Solves your "I need to manage my business finances" problem

Together = Complete financial solution for independent carriers

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When to Use TACH Services vs. Factoring Services

Understanding when to use each service maximizes their value:

Use Factoring When:

✓ You complete a load and need payment within 24 hours

• Submit invoice + POD to your factor
• Get paid same/next day
• Don't wait 30-45 days for broker payment

✓ You're hauling for a new broker and want credit protection

• Non-recourse factoring protects against non-payment
• Factor has better broker credit info than you do
• Reduces risk of hauling for bad brokers

✓ You need consistent, predictable cash flow

• Factor every load to smooth out income
• Know exactly when money will hit your account
• Plan expenses around factored payment schedule

✓ You don't want to chase down payments

• Factor handles collections and follow-ups
• Factor deals with broker payment issues
• You focus on hauling, not accounting

Use TACH Services When:

✓ You need operating capital beyond factored amounts

• Unexpected repair costs $3,000
• TACH cash advance available in 24-48 hours

✓ You want to track expenses and understand profitability

• TACH categorizes expenses automatically
• See real-time profit/loss
• Understand cost per mile vs. revenue per mile for each truck
• Make data-driven business decisions
• Analyze driver profitability and performance

✓ You want Bridgestone tire discounts to offset costs

• TACH offers Bridgestone tire discounts nationwide from authorized dealers

✓ You need emergency roadside assistance

• Breakdown on the road at 2 AM
• Tap "Get Emergency Help" in TACH app
• 24/7 nationwide coverage via Fleetnet
• Fast response, vetted providers

✓ You want better financial visibility for tax time

• TACH organizes all expenses by truck and category
• Export reports for your accountant
• Simplify tax preparation

The Ideal Combination:

Factor every load → Fast payment in TACH account Use TACH for → Money management, additional working capital, truck rentals, expense tracking, Bridgestone tire discounts, 24/7 emergency roadside assistance, etc.

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Frequently Asked Questions

Do I have to leave my factoring company to join TACH?

No. TACH is not a factoring company and is not a replacement for factoring services.

What you do:

• Keep your current factoring company
• Apply for a TACH business account
• Update your deposit information with your factor
• Continue factoring loads as usual

The only change: Your factored payments deposit into your TACH Business account instead of your current business bank account.

Can I use TACH if I don't use factoring?

Yes, absolutely. TACH works whether you use factoring or not.

TACH works with:

• ✅ Owner operators who factor loads
• ✅ Owner operators who wait for direct broker payment
• ✅ Owner operators with dedicated contracts
• ✅ Small fleets with company drivers
• ✅ Anyone in trucking who needs business banking

You direct any payments to your TACH account:

• Factoring deposits
• Direct broker payments
• Dedicated contract payments
• Shipper payments

Will TACH slow down my factoring payments?

No. TACH does not touch, delay, or interfere with your factoring process.

How it works:

1. Your factor processes the load (same speed as before)
2. Factor sends ACH deposit (same speed as before)
3. Deposit arrives in your TACH account (1-2 business days later)

Timeline example:

• Submit to factor: Monday 10 AM
• Factor approves: Monday 2 PM
• Factor initiates payment: Monday 3 PM
• Money in TACH account: Wednesday morning

Does TACH charge factoring fees?

No. TACH does not charge factoring fees because TACH doesn't provide factoring services.

Your factoring company's fees remain exactly the same whether you deposit to TACH or another bank.

TACH fee structure:

• Business account: No monthly fees
• Deposits: 1.8-2.25% based on fleet size
• Prepaid cards: Free to use
• Cash advances: Competitive fees only when you use them (1-6 month repayment terms)

Can I use a different factoring company than TACH recommends?

Yes, absolutely. TACH works with any factoring company.

TACH is compatible with:

• Any factoring company in the US
• Any bank or credit union
• Any payment processor
• Any direct broker/shipper payments

We don't restrict or recommend specific factors - use whoever offers you the best rates and service.

What if my factoring company won't deposit to TACH?

This would be extremely unusual. TACH is a standard FDIC-insured business account.

Your factoring company deposits to TACH the same way they would deposit to:

• Bank of America
• Chase
• Wells Fargo
• Any credit union
• Any business bank

TACH provides:

• Standard routing number
• Standard account number
• FDIC insurance (up to $250,000 per depositor)
• ACH deposit capability

If your factor has questions, have them contact TACH support at support@tachusa.com and we'll assist with the setup.

Do I need to tell my factoring company about TACH?

Yes, but only to update your deposit information.

What to tell your factor:

"I've opened a new business account with TACH and would like to update where you send my deposits. Here's my new routing and account number."

That's it. You're just updating where money gets deposited.

Your factor doesn't need to know:

• What TACH is or does
• Your TACH account balance
• Your TACH cash advance status
• Anything else about TACH

Can I still get cash advances from my factoring company?

Yes. TACH does not prevent you from using your traditional factoring company's services.

You can continue to use:

• Your factor's quick pay options
• Your factor's fuel card (if they offer one)
• Your factor's fuel advance program
• Any other services your factor provides

TACH provides additional options:

• TACH cash advances (beyond invoice amounts for repairs or tires)
• These complement your factoring company's services

What happens if I switch factoring companies?

Nothing changes with TACH. Your TACH account stays the same.

If you switch to a new factoring company:

1. Open account with new factoring company
2. Provide them with your TACH routing/account number
3. Close account with old factoring company (if desired)
4. New factor deposits to same TACH account

TACH is factoring-company agnostic - works with whoever you choose.

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Your Next Steps

Ready to get the best of both worlds? Here's how to set it up:

Step 1: Keep Your Current Factoring Company

Don't cancel or change anything yet.

If you're happy with your current factor, keep using them. If you're not factoring yet, research and choose a factoring company:

Compare based on:

• Factoring rate (lower is better)
• Payment speed (same-day vs. 24-hour)
• Recourse vs. non-recourse
• Contract terms and minimums
• Customer service quality

Step 2: Apply for a TACH Business Account

Get started with TACH →

What you'll need:

• Business name and EIN
• MC/DOT numbers
• Driver's license or ID
• Basic business information

Timeline:

• Application: 10 minutes
• Approval: Next business day (typically)
• Account active: Within 24 hours

You'll receive:

• TACH routing number
• TACH account number
• TACH mobile app access
• TACH prepaid card(s) (mailed)

Step 3: Update Your Factoring Deposit Information

Contact your factoring company via:

• Phone call to account manager
• Email to customer service
• Online portal (some factors allow self-service)

Provide:

• New TACH routing number
• New TACH account number
• Confirm legal business name

Timeline: Most factors update within 1 business day

Step 4: Activate TACH Services

Now maximize your TACH account:

Configure expense tracking:

• Download TACH mobile app
• Set up expense categories

Explore TACH Partners:

• Access vetted broker network
• Get TACH Certified for priority rates from TACH Partner Brokers

Step 6: Optimize Your Operations

Weekly routine:

• Factor all loads → Deposits to TACH
• Track expenses daily in TACH app
• Review profit/loss Friday in TACH dashboard
• Use TACH prepaid card for all business expenses

Monthly routine:

• Export TACH expense reports
• Review factoring fees vs. revenue
• Adjust spending based on TACH insights
• Plan next month's operations

Quarterly routine:

• Evaluate factoring company (still best rates?)
• Analyze profit trends in TACH data
• Make strategic business decisions

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The Bottom Line

TACH and your factoring company are partners, not competitors.

Factoring gives you: Fast payment so you don't wait 30-45 days TACH gives you: Smart business banking services and financial management

Together they give you: Complete financial control over your trucking business

Think of it like your truck:

• Your engine gets you down the road (factoring gets you paid)
• Your GPS helps you navigate (TACH helps you manage that money)
• You wouldn't choose between your engine and GPS - you need both

Most successful owner operators use both - and now you know exactly how they work together.

Open your TACH business account today → and keep your existing factoring company. Get the best of both worlds.

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Disclaimer: This article provides general educational information about freight factoring and business banking services. It should not be considered financial, legal, or professional business advice. Factoring rates, terms, and services vary by company and change over time. TACH is a business banking and financial services platform for trucking professionals and is not a factoring company. TACH does not purchase invoices, provide credit checks on brokers, or collect payments from shippers/brokers. Always review terms and conditions with your factoring company and TACH before making financial decisions. Consult with licensed financial advisors, CPAs, and business consultants for personalized guidance specific to your situation.