Factoring Definition and 338 Threads

Factoring is a financial transaction and a type of debtor finance in which a business sells its accounts receivable (i.e., invoices) to a third party (called a factor) at a discount. A business will sometimes factor its receivable assets to meet its present and immediate cash needs. Forfaiting is a factoring arrangement used in international trade finance by exporters who wish to sell their receivables to a forfaiter. Factoring is commonly referred to as accounts receivable factoring, invoice factoring, and sometimes accounts receivable financing. Accounts receivable financing is a term more accurately used to describe a form of asset based lending against accounts receivable. The Commercial Finance Association is the leading trade association of the asset-based lending and factoring industries.In the United States, Factoring is not the same as invoice discounting (which is called an assignment of accounts receivable in American accounting – as propagated by FASB within GAAP). Factoring is the sale of receivables, whereas invoice discounting ("assignment of accounts receivable" in American accounting) is a borrowing that involves the use of the accounts receivable assets as collateral for the loan. However, in some other markets, such as the UK, invoice discounting is considered to be a form of factoring, involving the "assignment of receivables", that is included in official factoring statistics. It is therefore also not considered to be borrowing in the UK. In the UK the arrangement is usually confidential in that the debtor is not notified of the assignment of the receivable and the seller of the receivable collects the debt on behalf of the factor. In the UK, the main difference between factoring and invoice discounting is confidentiality. Scottish law differs from that of the rest of the UK, in that notification to the account debtor is required for the assignment to take place. The Scottish Law Commission is reviewing this position and seeks to propose reform by the end of 2017.

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  1. G

    Factorising / Factoring formulas

    I had to factorise this formula. The answer that I came up with is below: 6ax - 12ay - 18a squared. 6(ax - 2ay - 3a squared) My book says that the correct answer is: 6a(x - 2y - 3a) Would my answer have been marked wrong in an exam? Why is the book's answer preferable to mine...
  2. D

    Factoring methods with equations higher than second degree

    Homework Statement Can someone tell what are the other factoring methods when dealing with equations higher than the second degree. The only I is the synthetic division. Aside from that, I do not know anything. I need other factoring methods so I can deal with problems that cannot be...
  3. C

    Mastering Factoring Polynomials: Tips, Tricks, and Examples to Help You Succeed!

    Alright, I'll be honest. I was extremely tired and slept all through the lesson in Algebra today lol. And now I need help with factoring polynomials. Example problems that I need help on: 7h3+448 Perfect square factoring - y4-81 Grouping - 3n3-10n2-48n+160 You don't have to answer...
  4. Z

    Factoring Madness: Intersecting Curves

    Homework Statement I need to find where these curves intersect: x+y = 2y^2 y = x^3 Homework Equations The Attempt at a Solution So I try to write both in terms of y, I get 2y^2 - y = y^(1/3) I try to factor 2y^2 - y - y^(1/3) = 0 y(2y - 1 - y^(-2/3)) = 0 ...
  5. Z

    Factoring this thing with 6 degree

    Homework Statement I need to factor this: u - u^6 -u^3 +1 = 0 Homework Equations The Attempt at a Solution I know that (u +1) and (u-1) are roots.. but not sure what to do now without long division.. Do I put them into multiples like (u^3 + 1)(u^3 -1) ??
  6. Z

    Factoring something with absolute value

    Homework Statement I need to find where these intersect: y = |x| 3y - x = 8 Homework Equations The Attempt at a Solution I equate them: |x| = (1/3)x + (8/3) |x| - (1/3)x - (8/3) = 0 |3x| - x - 8 = 0 |2x| - 8 = 0 |x| = 4 Is that right? How do I get the other solution?
  7. Z

    Factoring something with cube power?

    Homework Statement I need to find where these two intersect: x = y^3 x = 3y + 2 Homework Equations The Attempt at a Solution I set them to equate: y^3 = 3y + 2 y^3 - 3y + 2 = 0 How do I factor this??
  8. Z

    Find Intersection of -sqrt(x) & x-6 Functions

    Homework Statement I need to find the point at which these functions intersect: y = -sqrt(x) y = x - 6 Homework Equations The Attempt at a Solution I set them to equate: -sqrt(x) = x - 6 -sqrt(x) - x + 6 = 0 Now how do I find the root?
  9. F

    Factoring X4+1: Step-by-Step Guide

    Homework Statement I am trying to factor x4+1 into two multiplied polynomials Homework Equations My teacher gave us this hint that its factored form is (ax2+bx+c)(ax2+bx+c) The Attempt at a Solution First i assumed that a and c were equal to 1 so that when x2 is multiplied...
  10. R

    Factoring a Polynomial: Finding the Missing Factor in 7X2(X - 2) - (X - 2)

    Homework Statement 7X2(X - 2) - (X - 2) 2. The attempt at a solution Ok, this is really simple but for some reason I can't figure out why the answer has to be (7X2 - 1)(X - 2) The process is that I have to divide both parts by (X - 2). However, if I do that, I only get 7X2 - 1...
  11. M

    How to Factorize a Complex Polynomial with Roots of the Form z = ix?

    Homework Statement The polynomial f(z) is defined by f(z) = z5 - 6z4 + 15z3 - 34z2 + 36z - 48 Show that the equation f(z) = 0 has roots of the form z = ix where x is real, and hence factorize f(z)The Attempt at a Solution So I know that you begin by factoring out (z-ix) from the function...
  12. V

    Factoring and Plotting a Polar Equation

    Homework Statement The question is: Factor and Plot the polar equation r^2-r+(1/4)sin^2 4 theta Homework Equations N/A The Attempt at a Solution I have no idea how to do this.
  13. S

    Factoring vs. original equation

    ok so i was presented with the equation x^2-7x+12=0 and i can't decide what the answer should be. if i factor the equation i come up with 3 and 4. but when i plug those back into the original equation it doesn't work. so does that mean that there is no answer or does it mean I'm doing...
  14. 3

    Factoring drag into artillery flight, differential equation

    Imagine separating a parabola into its different x and y components and linking them by the component of time. Scenario: Given: Gravity No Drag The velocity of the launched object is not sufficient to escape the gravitational pull. Ignoring: The change of gravity as the distance...
  15. J

    Factoring x^4 + x^3 + 2x - 4 = 0 (cubic equ)

    Homework Statement x^4 + x^3 + 2x - 4 = 0 Homework Equations N/A The Attempt at a Solution x^4 + x^3 + 2x - 4 = 0 x(x^3 + x^2 +2) = 4 i don't know what to do with this. i tried to factor (x^3 + x^2 +2), but i don't know how. I also have a feeling that I am not doing this...
  16. I

    How come this factoring works for finding points on a curve that equals slope 1?

    Homework Statement y\prime=4x^3+6x^2+2x+1 Homework Equations The Attempt at a Solution 4x^3+6x^2+2x+1 -1 = 2x(2x^2+3x+1) (I moved the +1 over so I don't get 1/x, but I figured this should screw up the equation since it is no longer 0 on the left hand side.) -1 = 2x(2x+1)(x+1) So the...
  17. DocZaius

    When Should I Beware of Factoring Out?

    Consider this equation: 7x*tan(4x)=5x Initially, one might think to simply factor the x out of each side of the equation and be left with this: tan(4x)=\frac{5}{7} Well that's wrong! That is only one solution! The other solution is: x=0 You should instead have done the...
  18. L

    How can I factor a cubic equation?

    Homework Statement g(x)= x^4-2x^3-3x^2+2x+2 Homework Equations The Attempt at a Solution After using synthesized division, got x^3-x^2-4x-2 I need help in factoring from here please
  19. W

    Learn How to Factor Quadratics: Step-by-Step Guide for Gr. 10 Math Homework

    Homework Statement Factor. 2x^{2}+5x-12 I just took a semester off from school and I feel dumb. My recommendation to anyone reading is don't do that. Anyways, back to gr. 10 math :cry: Normally if I was going to factor this I would try to eliminate the coefficient of x^{2} but it...
  20. M

    How do I factor a polynomial with a coefficient in front of the highest power?

    Homework Statement 8x^3 + 4X^2 - 2x -1 Homework Equations remainder theorem factor theorem The Attempt at a Solution None yet, not sure how to go about it when there is a coefficent in front of the highest power of X.
  21. G

    Help with Factoring 2x^2 + 5x - 12

    I'm currently taking a Math Analysis class. We started reviewing basic factoring from Algebra 2 before starting new material. I can factor a basic trinomial with the coefficient of x^2 being 1, but if the coefficient is 2 or more, I am not sure how to factor it. I am able to factor these very...
  22. J

    Factoring expressions with negative exponents

    Homework Statement Factor 3x (4x-1)^-2 - 6x^2 (4x-1)^-1 Homework Equations The Attempt at a Solution
  23. 3

    Factoring (u^3-1): Homework Solution

    Homework Statement This is a limit problem but what I'm stuck on is algebra: find lim as u approaches 1 of ((u^4)-1)/((u^3)-1). Homework Equations The Attempt at a Solution 1 is a root and (u-1) is a common factor, so I want to rearrange the numerator and denominator so I can...
  24. O

    Factoring 3rd degree polynomial

    Homework Statement Factor 12X^3-12X^2-60X+24=0 Homework Equations The Attempt at a Solution
  25. Loren Booda

    Riemann proof effect on factoring composites

    To what degree would proving the Riemann hypothesis facilitate the factoring of large composites? In other words, how much would a complete (as opposed to "hit-or-miss") knowledge of primes help to reduce the operations needed to factor large composites?
  26. D

    Factoring Algebraic Expressions with Fractional Exponents

    Homework Statement (4x-1)^{1/2}-1/3(4x-1)^{3/2}Homework Equations The Attempt at a Solution I think the GCF is (4x-1)^{1/2}. So, I get (4x-1)^{1/2}(1+(-1/3(4x-1))) = (4x-1)^{1/2}(-4/3x+4/3) = -4/3(4x-1)^{1/2}(x-1) However, the answer in the book is 4/3(4x-1)^{1/2}(x-1). I've done it several...
  27. O

    Question about Factoring Equation

    Hi, I use the \frac{-b \ \pm \ \sqrt{b^2 - 4ac}}{2a} formula to factoring the quadratic equation. Can anyone tell me how to factoring the cubic equation? Usually I use the division method to factoring higher order than quadratic equation such as cubic, etc., by trial, one-by-one. Cheers...
  28. D

    Factoring a constant from each row of matrix

    Why is it that a 16 comes out when you factor a 2 from each row of this matrix: 0 2 2 2 2 0 2 2 2 2 0 2 2 2 2 0
  29. D

    Finding a Complex Matrix Square Root for a Set of Equations

    *The subject should have been complex matrix square root. I need to find one solution to the follow set of complex equations: a*a+b*b = 1-K-K/2 a*b+c*d=K/2 c*c+d*d=1-K/2 where K is some real constant. This is equivalent to finding a 2x2 complex matric M such that M^\dagger M= 1-K-K/2, -K/2...
  30. R

    Solving Equations by Factoring - Find the length of the hypotenuse

    "Solving Equations by Factoring" - Find the length of the hypotenuse Homework Statement One leg of a right triangle is 2 feet more than twice the other leg. The hypotenuse is 1 foot more than the longer leg. Find the length of the hypotenuse of the right triangle. * I am not sure how to...
  31. I

    Factoring and solving for variable x

    [b]1. Solve algebraically for... 1.) 4x*(x^2-5)+(x^2-5)^2=0 two separate problems not relating to each other 2.) 4x^3*(1-x)^3-3*(1-x)^2*x^4=0 [b]2. this symbol ^ is to the power of. all x's are the x variable as written in my precalc book. For problem 1. I see that...
  32. D

    How can -x^3 + 27 be factored?

    Homework Statement factor -x^3 + 27 Homework Equations The Attempt at a Solution Nothing, I have no idea how to factor it.
  33. H

    Factoring x2+4 and Special Cubed Theorems: Homework Help

    Homework Statement can u factor x2+4 and can't seem to remember the the difference of cubes and isn't there another special cubed theorem. Homework Equations The Attempt at a Solution
  34. C

    Simple factoring after differentiating.

    Homework Statement I'm having trouble factoring this to its simplest term. I'm not very good at factoring, but I'm working on it. I was hoping that someone might be able to help me here. Homework Equations Find the critical points for f(t) = t * sqrt(4 -(t^2)) on the closed interval [1...
  35. S

    Can this polynomial with integer coefficients be factored?

    the question is this: factor the following polynomial with integer coefficients: x^{5024}+x^{1004}+1 my first thought is that since this polynomial doesn't have real roots such a factorization isn't even possible, but i really don't have any more clever idea how to factor this one.
  36. M

    Can someone help me factor this complex equation?

    Homework Statement A simple way to factor the left hand side of the given equation. Homework Equations E^2-E^2(\frac{\frac{F^2vt}{c}}{M})+(\frac{\frac{F^4v^2t^2}{c^2}}{M^2})=-p+(\frac{\frac{F^4v^2t^2}{c^2}}{M^2}) The Attempt at a Solution I would, just that i am confused on...
  37. L

    Calc 3 Factoring a Trig equation

    can you somehow factor the following equation ? sqrt(9sin^2(t)+16cos^2(t)+1/4)
  38. R

    Solve By Factoring, and Equation of Cubic Function whose graph passes thru

    Homework Statement I am stuck on these two pre-cal problems... can anyone help? Solve By Factoring: 2x^3 + 2x^2 = 4x + 4 This next one I have no idea how to do Find an equation of the cubic function whose graph passes through the points (3,0) and (1,4) and is tangent to the x-axis...
  39. K

    Group like terms factoring problem

    (x-y+2\sqrt{x}-2\sqrt{y})/(\sqrt{x}-\sqrt{y}) The first thing I did was group like terms (x+2\sqrt{x}-y-2\sqrt{y})/(\sqrt{x}-\sqrt{y}) Then from the liked terms I factored out a \sqrt{x} & -\sqrt{y} ((\sqrt{x})(\sqrt{x}+2)-(\sqrt{y})(\sqrt{y}+2))/(\sqrt{x}-\sqrt{y}) Here is where I...
  40. T

    Solve Factoring Problems: 2 Examples

    Factoring problems... 1. Having problems with factoring almost got it except this 2 (3x^3+21x^2+36x)/ 3x^4+12x^3-27x^2-108x ( Edited) The Attempt at a Solution the numerator 3x^3+21x^2+36x I can see the factor right away its 3x so 3x(x^2+7x+12) and for new denominator that I mixed...
  41. qntty

    How Can You Mentally Factor Numbers Without a Calculator?

    Does anybody have any good tricks to quickly factor a number in your head, or a trick that can be done quickly on paper? The best method that I know without using a calculator is the traditional method of finding two not-necessarily-prime factors and factoring those with the same method.
  42. P

    How do I fix the factoring function on my TI-89 calculator?

    does anyone have a problem with the factoring function on the TI 89? i tried to factor (by using f2 factoring function)a simple problem like 12x^2+5xy-3y^2 the answer should be (4x+3y)(3x-y) but on my calculator i just get a rearranged order of 12x^2-3y^2+5xy...does anyone know how to fix this...
  43. H

    How to Factor a Cube: Exploring Denominators and Graphs for Asymptotes and Holes

    Homework Statement I am trying to find out when the denominator of this equation is zero so I can tell when the graph has asymptotes or holes. For squares I factor such as x2+2x-15 = (x+5) (x-3). How do I do that with a cube? Homework Equations (x-5) (x+3) X3-5x2+x-5
  44. S

    LIMITS, complicated square roots and factoring

    The question is as follows: \frac{lim}{h\rightarrow0} \frac{\sqrt{1+h}-1}{h} I don't know if the way I approached the question is right, I'll give you a step by step of what I attempted: First I converted the square root into 11/2 and h1/2 (can I do that? Is that correct?) Then I...
  45. N

    Unable to do fundamental factoring

    I have been trying this problem for a long time now. Factor the polynomial t^7+2t^6-24t^5. So far I came up with t^n(t+x)(t+y). I have no clue on how to work this out because i am only able to do them to the 2nd degree. I can really use the help. Thanks, Neil
  46. K

    Factoring "Puzzle": Find a for \frac {a^2 - 2x -3}{x^2 - 4x + a}

    factoring "puzzle" For what values of "a" can the following be factored and reduced: \frac {a^2 - 2x -3}{x^2 - 4x + a} Ok, so the first thing on the list is to factor the top term. x = \frac {-(-2) \pm \sqrt{(-2)^2 - 4 * 1 * (-3)} } {2 * 1} The roots are 3 & -1, and the factors then...
  47. T

    Factoring Determinant of 3x3 Matrix - Step by Step Solution

    Homework Statement | x x^2 1 | | x^2 x 1 | | x^3 x^3 1 | The answer is = x^2(1-x)^2(1+2x) Homework Equations none The Attempt at a Solution By factoring the matrix step by step. Thanks :)
  48. S

    Factoring without trial and erorr?

    Is there a formula for factoring simple second order polynomials with zero trial and error? For example: 3X^2-11X+6 I know the answer is (3X-2)(X-3) and that can be checked by foiling obviously. I know 3X and X have to be the first terms, and that the last two have to be multiples of 6...
  49. E

    Solve the fallowing by factoring and making appropriate sign charts.

    Homework Statement Solve the fallowing by factoring and making appropriate sign charts. 2x^2+4x\leq3 Homework Equations The Attempt at a Solution It simply does not factor the way I want it to(unless I did something wrong). I don't think it wants me to use the quadratic formula, and...
  50. M

    Factoring the Sum of Two Fifth Powers

    My problem is to factor x^{5} + y^{5}. I get (x+y)(x^{8}-x^{4}y^{4}+y^{8}). However, the answer is (x+y)(x^{4}-x^{2}y^{2}+y^{4}).
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