My biggest factors are AGR, Capital (Wells) and Crestmark. Can your's compete with those rates? Usually 90% upfront and 5% above prime or so. Sometime 4% above libor. 90 days before charge off. Balance when customer pays bank. I must admit even as a CFP I never understood the difference between a factor and an ABLOC, but I have factored for over 10 years mostly for staffing companies and my first MCA product sold was in 85 for Transmedia. He doesn't care about notification.