Slow-paying customers can cause a problem with cash flow in a business. Unpaid invoices may leave a shortfall for a matter of days or up to three months. Under these circumstances, not only is it difficult to take care of routine expenses, it can hinder efforts to win new clients and bid on future business. One example is being able to take advantage of a discount when buying in advance or buying in bulk. Without the cash flow to seize opportunities, extra costs may be incurred. Invoice factoring is a way to convert unpaid invoices into almost immediate cash, which can then be used to help maintain or grow the business. Catamount Funding, one of the premier Texas factoring companies, sums up how factoring works as follows: "Factoring invoices is a quick, easy and safe way to create working capital. Invoice factoring eliminates the wait for your accounts receivable to become cash, without the hassles of a traditional commercial loan."