[jotucker1983]

Hence the reason why you need to replace the term advances with a true revolving facility. When you close a factoring deal the process starts again within a week when the company submits more invoices for financing. Advances and Term notes are static and not revolving. They help with cash flow only if the business is a good shepherd of capital when the lump sum hits the account.

This is true, but the merchant would also need solid outstanding commercial receivables of some sort of high quantity. Most of the merchants I get who need a true/real consolidation, don't have these assets.