factor's lien

简明释义

代理商的扣押权,代理商留置权

英英释义

例句

1.The contract clearly stated that a factor's lien 保理权利 would be placed on all future invoices.

合同明确指出将对所有未来的发票施加factor's lien 保理权利。

2.The company secured a loan by offering a factor's lien 保理权利 on its receivables.

这家公司通过提供其应收账款的factor's lien 保理权利来获得贷款。

3.A factor's lien 保理权利 gives lenders priority over other creditors in case of liquidation.

在清算的情况下，factor's lien 保理权利使贷方优先于其他债权人。

4.Understanding the implications of a factor's lien 保理权利 is crucial for businesses seeking financing.

理解factor's lien 保理权利的影响对寻求融资的企业至关重要。

5.In the event of default, the lender can enforce the factor's lien 保理权利 to recover funds.

如果违约，贷方可以执行factor's lien 保理权利以追回资金。

作文

In the world of finance and commerce, there are various terms that are crucial for understanding how transactions and agreements work. One such term is factor's lien, which refers to a legal right or claim that a factor (a financial intermediary) has over the assets or receivables of a business until certain obligations are fulfilled. This concept is particularly important in the context of factoring, where businesses sell their accounts receivable to a third party at a discount in exchange for immediate cash flow.The factor's lien serves as a security interest for the factor, ensuring that they have a claim to the receivables in case the business defaults on its obligations. This arrangement not only provides liquidity to businesses but also mitigates risks for factors, as they can recover their investment through the receivables.To better understand the implications of factor's lien, let’s consider a hypothetical scenario. Imagine a small manufacturing company that is struggling with cash flow issues. To alleviate their financial strain, they decide to enter into a factoring agreement with a financial institution. The institution agrees to purchase the company’s outstanding invoices at a discount, providing the manufacturer with immediate cash.However, as part of this agreement, the financial institution establishes a factor's lien on the invoices. This means that until the manufacturer pays back the advance and any associated fees, the financial institution has the right to collect on those invoices directly from the customers. If the manufacturer fails to fulfill their obligations, the financial institution can exercise its factor's lien to recover the funds it advanced.This legal mechanism is beneficial for both parties involved. The manufacturer gains access to much-needed cash quickly, allowing them to continue operations, pay employees, and invest in growth opportunities. Meanwhile, the factor minimizes its risk by securing its investment with a factor's lien, ensuring they have a claim on the receivables.It is also essential to note that the existence of a factor's lien can impact the business’s relationships with its customers. Customers may be informed that their payments must be directed to the factor rather than the manufacturer, which can create confusion if not communicated effectively. Therefore, clear communication and documentation are vital in a factoring arrangement to ensure all parties understand their rights and responsibilities.Moreover, understanding factor's lien is critical for businesses considering factoring as a financing option. Companies must carefully evaluate the terms of the agreement, including the implications of granting a lien on their receivables. They should also consider whether the benefits of immediate cash flow outweigh the potential drawbacks of losing some control over their accounts receivable.In conclusion, the factor's lien is a significant aspect of factoring that helps facilitate transactions between businesses and financial institutions. It provides necessary security for factors while offering businesses a viable solution to cash flow challenges. As with any financial arrangement, it is essential for business owners to fully understand the terms and implications of a factor's lien before proceeding. By doing so, they can make informed decisions that will support their financial health and operational success.

在金融和商业的世界中，有许多术语对于理解交易和协议的运作至关重要。其中一个术语是factor's lien，它指的是一个因素（金融中介）对企业资产或应收账款的合法权利或索赔，直到某些义务得到履行。这个概念在保理的背景下尤为重要，企业以折扣价将其应收账款出售给第三方，以换取即时现金流。factor's lien作为一种安全权益，为因素提供了保障，确保他们在企业未能履行义务的情况下对应收账款有索赔权。这种安排不仅为企业提供了流动性，还降低了因素的风险，因为他们可以通过应收账款来收回投资。为了更好地理解factor's lien的含义，让我们考虑一个假设的场景。想象一家小型制造公司正面临现金流问题。为了缓解财务压力，他们决定与一家金融机构签订保理协议。该机构同意以折扣价购买公司的未收发票，从而为制造商提供即时现金。然而，作为此协议的一部分，金融机构在发票上建立了factor's lien。这意味着，在制造商偿还预付款和相关费用之前，金融机构有权直接向客户收取这些发票。如果制造商未能履行其义务，金融机构可以行使其factor's lien以收回已预支的资金。这一法律机制对双方都有利。制造商迅速获得急需的现金，使其能够继续运营、支付员工并投资于增长机会。同时，因素通过用factor's lien保证其投资，最大限度地降低了风险，确保他们对应收账款拥有索赔权。还需要注意的是，factor's lien的存在可能会影响企业与客户的关系。客户可能会被告知他们的付款必须直接支付给因素，而不是制造商，如果没有有效沟通，可能会造成混淆。因此，在保理安排中，清晰的沟通和文档至关重要，以确保所有各方了解自己的权利和责任。此外，理解factor's lien对考虑保理作为融资选项的企业至关重要。企业必须仔细评估协议的条款，包括授权对其应收账款设定留置权的影响。他们还应考虑立即现金流的好处是否超过失去对其应收账款某些控制权的潜在缺点。总之，factor's lien是保理中的一个重要方面，帮助促进企业与金融机构之间的交易。它为因素提供必要的保障，同时为企业提供了应对现金流挑战的可行解决方案。与任何金融安排一样，企业主在进行之前必须充分理解factor's lien的条款和影响。通过这样做，他们可以做出支持其财务健康和运营成功的明智决策。