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What Your Banker Doesn't Want You to Know - Our Truck Factoring Company Can Provide
Your Freight Company The Cash You Want

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Small trucking companies, particularly those who have not been in existence for really long, will commonly find it tough to secure a loan. Banks are frequently reluctant to provide cash to businesses that do not have a great deal of income and properties. They also desire proof of the practicality of a company and hence need that a lot of operations, especially small ones, be in company for a specific amount of time before they are prepared to turn over any cash. Because of this, a medium-size company commonly has few cash generating alternatives when needs develop. One option available, however commonly neglected, is factoring. This is an exceptional means for a medium-size business to get cash.

 

 

 

 

 

 

 

How To Rob Banks Legally - Pick A Trucking�Factoring Company  Instead Of A Regular Bank Financing

How to Enhance Money Flow Without Loaning -Cash Money flow is among the primary reasons businesses fail.

At one time or another, every company, even successful ones, have actually experienced bad cash flow.

Cash flow does not have to be an issue any more. Do not be fooled -- banks are not the only locations you can get funding. Other options are offered and you do not have to borrow. What is truck factoring ? One solution is called trucking factoring. Truck Factoring is the procedure of offering invoices to an investor rather than waiting to gather the money from the client. Oh, the Irony- Truck factoring has a paradoxical distinction: It is the financial foundation of many of America's most successful companies. Why is this paradoxical ? Because invoice factoring is not taught in business colleges, is seldom discussed in company plans and is relatively unknown to bulk of most of American business individuals.

Yet it is a financial procedure that releases up billions of dollars every year, enabling countless companies to grow and prosper. FACTORING has been around for countless years. Staffing Factoring Companies are financiers who pay money for the right to get the future payments on your invoices. An unpaid receivable or invoice has value. It is a debt your customer has to pay in the near future. Factoring Principals--Although factoring deals solely with business-to-business transactions, a big percentage of the retail company uses a factoring principal. MasterCard, Visa, and American Express all use a form of factoring in their retail deals. Utilizing the purest definition of the word, these big customer finance companies are really just large Trucking Factoring Businesses of customer paper. Consider it: You purchase at Sears and charge it to your MasterCard. The shop makes money almost instantly, even though you do not make payment up until you are ready.

For this service, the charge card business charges XYZ Store a fee (typical common normal charges range from two to 4 percent of the sale). The Advantages Accounts Receivable Factoring can offer many advantages to cash-hungry companies. Instead of waiting 30, 60, 90 days or longer for payment on an item that has currently been provided, a business can factor (sell) its receivables for cash at a small discount off the amount of the invoice. Payroll, advertising efforts, and working capital are just a few of the business needs that can be met with instant  cash.

Truck Factoring provides the means for a manufacturer to renew inventory and make more products to offer: There is no longer a requirement to await for earlier sales to be paid. FACTORING is not just a money management device for producers: Almost any type company can take advantage of Accounts Receivable Factoring. Typically, a company that extends credit will have 10 to 20 percent of its yearly sales bound in invoices at any given time. Think for a minute about how much is tied up in 60 days' worth of invoices: You can not pay the power expense or today s payroll with a customer s invoice, however you can sell that invoice for the cash to meet those obligations. Using truck factoring companies is a quick and easy process. The factoring company buys the invoice at a price cut, usually a couple of portion points less than the face value of the invoice.

 

 

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"

Billings is the largest city in the State of Montana, and is the principal city of the Billings Metropolitan Area with a population of 165,361. It has a trade area of over half a million people.

Billings is located in the south-central portion of the state and is the county seat of Yellowstone County, which had a 2013 population of 154,162 The 2013 Census estimates put the Billings population at 109,059 the only city in Montana to surpass 100,000 people. The city is experiencing rapid growth and a strong economy; it has had and is continuing to have the largest growth of any city in Montana. Parts of the metro area are seeing hyper growth. From 2000 to 2010 Lockwood, an eastern suburb of the city, saw growth of 57.8% the largest growth rate of any community in Montana. Billings has avoided the economic downturn that affected most of the nation 2008–2012 as well as avoiding the housing bust.

Billings was nicknamed the Magic City because of its rapid growth from its founding as a railroad town in March 1882. The city is named for Frederick H. Billings, a former president of the Northern Pacific Railroad. With one of the largest trade areas in the United States,Billings is the trade and distribution center for most of Montana, Northern Wyoming, and western portions of North Dakota and South Dakota. Billings is also the retail destination for much of the same area. With more hotel accommodations than any area within a five-state region, the city hosts a variety of conventions, concerts, sporting events, and other rallies.

Area attractions include Pompey;s Pillar, Pictograph Cave, Chief Plenty Co State Park, Zoo Montana, and Yellowstone Art Museum. Within 100 miles are Little Bighorn Battlefield National Monument, Bighorn Canyon National Recreation Area, Red Lodge Mountain Resort, and the Beartooth Highway, which links Red Lodge to Yellowstone National Park.

Prehistory

The downtown core and much of the rest of Billings is in the Yellowstone Valley which is a canyon carved out by the Yellowstone River. Around 80 million years ago, the Billings area was on the shore of the Western Interior Seaway. The sea deposited sediment and sand around the shoreline. As the sea retreated it left behind a deep layer of sand. Over millions of years this sand was compressed into stone that is known as Eagle Sandstone. Over the last million years the river has carved its way down through this stone to form the canyon walls that are known as the Billings Rimrocks or the Rims.

About five miles south of downtown are the Pictograph Caves. These caves contain over 100 pictographs (rock paintings), the oldest of which is over 2000 years old. Approximately 30,000 artifacts (including stone tools and weapons) have been excavated from the site.

The Crow Indians have called the Billings area home since about 1700. The present day Crow Nation is just south of Billings.

Lewis and Clark Expedition

In July 1806, William Clark (of the Lewis and Clark Expedition) passed through the Billings area. On July 25 he arrived at what is now known as Pompeys Pillar and wrote in his journal "... at 4 P M arrived at a remarkable rock ... this rock I ascended and from its top had a most extensive view in every direction."< Clark carved his name and the date into the rock, leaving the only remaining physical evidence of the expedition that is visible along their route. He named the place Pompy’s Tower, naming it after the son of his Shoshone interpreter and guide Sacajawea. In 1965, Pompeys Pillar was designated as a national historic landmark, and was proclaimed a national monument in January 2001. An interpretive center has been built next to the monument.

The area where Billings is today was once known as Clarks Fork Bottom. Clarks Fork Bottom was to be the hub for hauling freight to Judith and Mussel Basins. At the time these were some of the most productive areas of the Montana Territory. The plan was to run freight up Alkali Creek, now part of Billings Heights, to the basins and Fort Benton on the Hi-Line.]

In 1877 settlers from the Gallatin Valley area of the Montana Territory formed Coulson the first town of the Yellowstone Valley. The town was started when John Alderson built a sawmill and convinced PW McAdow to open a general store and trading post on land that Alderson owned on the bank of the Yellowstone River. The store went by the name of Headquarters and soon other buildings and tents were being built as the town began to grow. At this time before the coming of the railroad, most goods coming to and going from the Montana Territory were carried on paddle riverboats. It is believed that it was decided to name the new town Coulson in an attempt to attract the Coulson Packet Company that ran riverboats between St Louis and many points in the Montana Territory. In spite of their efforts the river was traversed only once by paddle riverboat to the point of the new town.

Coulson was a rough town of dance halls and saloons and not a single church. The town needed a sheriff and the famous mountain man John "Liver-Eating" Johnson took the job. Many disagreements were settled with a gun in the coarse Wild West town. Soon a graveyard was needed and Boothill Cemetery was created. It was called Boothill because most of the people in it were said to have died with their boots on. Boothill Cemetery today sits within the city limits of Billings and is the only remaining physical evidence of Coulson's existence.

When the railroad came to the area Coulson residents were sure the town would become the railroads hub and Coulson would soon be the Territories largest city. The railroad only had claim to odd sections and it had two sections side-by-side about two miles west of Coulson. Being able to make far more money by creating a new town on these two sections the railroad decided to create the new town of Billings, For a short time the two towns existed side-by-side with a trolley even running between the two. However most of the residents of Coulson ended up moving to the new booming town of Billings. In the end Coulson faded away with the last remains of the town disappearing in the 1930s. Today Coulson Park, a Billings city park, sits on the river bank where Coulson once was.<

Early railroad town

Named after Northern Pacific Railway president Frederick H. Billings Billings was founded in 1882. The Railroad formed the city as a western railhead for it farther westward expansion. At first the new town had only three buildings but within just a few months it had grown to over 2000. This spurred the Billings nickname of the Magic City because like magic it seemed to appear overnight.

The nearby town of Coulson appeared a far more likely site. Coulson was a rough and tumble town where arguments were often followed by gunplay. Liver-Eating Johnston was a lawman in Coulson. Perhaps the most famous person to be buried in Coulsons Boothill cemetery is Muggins Taylor, the scout who carried the news of Custer's Last Stand to the world. Most buried here were said to have died with their boots on. The town of Coulson had been situated on the Yellowstone River, which made it ideal for the commerce that steamboats brought up the river. However, when the Montana & Minnesota Land Company oversaw the development of potential railroad land, they ignored Coulson, and platted the new town of Billings just a couple of miles to the Northwest. Coulson quickly faded away; most of her residents were absorbed into Billings. Yet for a short time the two towns co-existed: a trolley even ran between the two. But ultimately there was no future for Coulson as Billings grew. Though it stood on the banks of the Yellowstone River only a couple of miles from the heart of present day Downtown Billings, the city of Billings never built on the land where Coulson once stood. Today Coulson Park sits along the banks of the Yellowstone where the valley's first town once stood.[23]

20th century

By the 1910 census, Billings' population had risen to 10,031 ranking it the sixth-fastest growing community in the nation.[23] Billings became an energy center in the early years of the twentieth century with the discovery of oil fields in Montana and Wyoming. Then the discovery of large natural gas and coal reserves secured the city's rank as first in energy.[23]

 

After World War II, Billings boomed into the major financial, medical and cultural center of the region. Billings has had rapid growth from its founding; in its first 50 years growth was at times in the 300 and 400 percentile.[29]

Billings; growth has remained robust throughout the years, and in the 1950s, it had a growth rate of 66.0%. The 1973 oil embargo by OPEC spurred an oil boom in eastern Montana, northern Wyoming and western North Dakota. With this increase in oil production, Billings became the headquarters for energy sector companies. In 1975 and 1976, the Colstrip coal-fire generation plants 1 and 2 were completed; plants 3 and 4 started operating in 1984 and 1986.

In the 1970s and 1980s, Billings saw major growth in its downtown core; the first high-rise buildings to be built in Montana were erected. In 1980, the 22-floor Sheraton Hotel was completed. Upon its completion, it was declared "the tallest load-bearing brick masonry building in the world" by the Brick Institute of America.[30] During the 1970s and 1980s, other major buildings were constructed in the downtown core;[31] the Norwest Building (now Wells Fargo), Granite Tower, Sage Tower, the MetraPark arena, the TransWestern Center, many new city-owned parking garages, and the First Interstate Tower, the tallest building in a five-state area.

 

With the completion of large sections of the interstate system in Montana in the 1970s, Billings became a shopping destination for an ever larger area. The 1970s and 1980s saw new shopping districts and shopping centers developed in the Billings area. In addition to the other shopping centers developed, two new malls were developed, and Rimrock Mall was redeveloped and enlarged, on what was then the city's west end. Cross Roads Mall was built in Billings Heights, and West Park Plaza mall in midtown. In addition, several new business parks were developed on the city's west end during this period.

Billings was affected by the 1980 eruption of Mount St. Helens in May; the city received about an inch of ash on the ground.[33] The Yellowstone fires of 1988 blanketed Billings in smoke for weeks.[34]

In the 1990s, the service sector in the city increased with the development of new shopping centers built around big box stores such as Target, Wal Mart and Office Depot, all of which built multiple outlets in the Billings area. With the addition of more interchange exits along I-90, additional hotel chains and service industry outlets are being built in Billings. Development of business parks and large residential developments on the city's west end, South Hills area, Lockwood, and the Billings Heights were all part of the 1990s. Billings received the All-America City Award in 1992.

21st century

In the 21st century, Billings saw the development of operations centers in the city's business parks and downtown core by such national companies as GE, Wells Fargo and First Interstate Bank. It also saw renewed growth in the downtown core with the addition of numerous new buildings, new parking garages and a new MET Transit Center and in 2002 Skypoint was completed. Downtown also saw a renaissance of the historic areas within the downtown core as building after building was restored to its previous glory. In 2007, Billings was designated a Preserve America Community.[35] With the completion of the Shiloh interchange exit off Interstate 90, The TransTech Center was developed[36] and yet more hotel development as well. In 2010 the Shiloh corridor was open for business with the completion of the Shiloh parkway, a 4.8-mile (7.7 km) multi-lane street with eight roundabouts.[37] Even more shopping centers were developed in the 21st century. Some of the new centers are Shiloh Crossing which brought the first Kohl's[38] department store to Montana. Shiloh Crossing has also announced that Scheels will be constructing what is being billed as the second largest sporting goods store in the western United States and the second largest Scheels in the world.[39] Other new centers include Billings Town Square with Montana's first Cabela's,[40] and West Park Promenade, Montana's first open-air shopping mall. In 2009, Small Business magazine named Billings the best small city in which to start a business.Billings saw continued growth with the largest actual growth of any city in Montana. On June 20, 2010 (Father's Day), a tornado, dubbed by the media the Fathers Day Tornado,[42] touched down in the downtown core and Heights sections of Billings. The Rimrock Auto Arena at MetraPark and area businesses suffered major damage. While the nation has been feeling the effects of a recession, Billings's economy has been strong. Construction and housing starts have been up as well as large investments in the community by national companies and major new road construction projects. The state's economy is healthier than most states but as western Montana is suffering from a crash in real estate and the near demise of its timber industry, eastern Montana and North Dakota are experiencing an energy boom due to coal and the Bakken formation the largest oil discovery in U.S. history.[11][12][15] Billings is Montana's oasis of economic growth.[10]

The geographic location of Billings was essential to its economic success. Billings' future as a major trade and distribution center was basically assured from its founding as a railroad hub due to its geographic location. As Billings quickly became the region's economic hub it outgrew the other cities in the region. The Billings trade area serves over a half million people. A major trade and distribution center, the city is home to many regional headquarters and corporate headquarters. With Montana having no sales tax, Billings is a retail destination for much of Wyoming, North and South Dakota as well as most of Montana. $1 out of every $7 spent on retail purchases in Montana is being spent in Billings.The percentage of wholesale business transactions done in Billings is even stronger, Billings accounts for more than a quarter of the wholesale business for the entire state, these figures do not include Billings portion of sales for Wyoming and the Dakotas.[67] Billings is an energy center; Billings sits amidst the largest coal reserves in the United States as well as large oil and natural gas fields.

In 2009, Small Business magazine named Billings the best small city in which to start a business.[41] Billings has a diverse economy including a large and rapidly growing medical corridor that includes inpatient and outpatient health care. Billiings has a large service sector including retail, hospitality and entertainment. The metro area is also home to 3 oil refineries, a sugar beet refining plant, a coal fire generation plant, commercial and residential construction, building materials manufacturing and distribution, professional services, financial services, banking, trucking, higher education (4 campuses, 19 others have a physical presence/classes here), auto parts wholesaling and repair services, passenger and cargo air, cattle, media, printing, wheat and barley farming, sugar beet refining, milk processing, heavy equipment sales and service, business services, consumer services, food distribution, agricultural chemical manufacturing and distribution, energy exploration and production, surface and underground mining, metal fabrication, and many others providing a diverse and robust economy.

 

Missoula is a city in the U.S. state of Montana and is the county seat of Missoula County. It is located along the Clark Fork River near its confluence with the Bitterroot River in western Montana and at the convergence of five mountain ranges, thus is often described as the "Hub of Five Valleys". The United States Census Bureau estimated the city's population at 69,122 and the population of the Missoula Metropolitan Area at 111,807[4] Since 2000, Missoula has been the second most populous city in Montana. Missoula is home to the University of Montana, a public research university.

Missoula was founded in 1860 as Hellgate Trading Post while still part of Washington Territory. By 1866, the settlement had moved five miles tream and renamed Missoula Mills, later shortened to Missoula. The mills provided supplies to western settlers traveling along the Mullan Road. The establishment of Fort Missoula in 1877 to protect settlers further stabilized the economy. The arrival of the Northern Pacific Railway in 1883 brought rapid growth and the maturation of the local lumber industry. An element of prestige could be claimed ten years later when what was already called the City of Missoula was chosen by the Montana Legislature as the site for the new state's first university. Along with the U.S. Forest Service headquarters founded in 1908, lumber and the university would remain staples of the local economy for the next hundred years.

By the 1990s, Missoula's lumber industry had gradually disappeared, and today the city's largest employers are the University of Montana and Missoula's two hospitals. The city is governed by a mayor-council government with twelve city council members, two from each of the six wards. In and around Missoula are 400 acres (160 ha) of parkland, 22 miles (35 km) of trails, and nearly 5,000 acres (2,000 ha) of open-space conservation land with adjacent Mount Jumbo home to grazing elk and mule deer during the winter months. The city is also home to both Montana's largest and its oldest active breweries as well as the Montana Grizzlies, one of the strongest college football programs in the Division I Football Championship Subdivision . Notable residents include the first woman in the U.S. Congress, Jeannette Rankin, and the United States' longest-serving Senate Majority Leader, Mike Mansfield.

Archaeological artifacts date the Missoula Valley's earliest inhabitants to the end of the last ice age 12,000 years ago with settlements as early as 3,500 BCE. From the 1700s until European settlements began a hundred years later, the land was primarily used by populations of the Salish, Kootenai, Pend d'Oreille, Blackfeet, and Shoshone tribes. Located at the confluence of five mountain valleys, the Missoula Valley was heavily traversed by local and distant native tribes that periodically went to the Eastern Montana plains in search of bison, leading to inevitable conflict. The narrow valley at Missoula's eastern entrance was so strewn with human bones from repeated ambushes that French fur trappers would later refer to this area as "Porte d' Enfer," translated as "Hell's Gate". Hell Gate would remain the name of the area until it was renamed "Missoula" in 1866.

Western exploration to the area began with the Lewis and Clark Expedition, which stopped twice just south of Missoula at Traveler's Rest (first from September 9–11, 1805, and again from June 30-July 3, 1806) before splitting up on the return journey, with Clark taking the southern route along the Bitterroot River and Lewis travelling north through Hellgate Canyon on July 4."

the Milwaukee Road and regional office for the U.S. Forest Service as well as the opening of the Flathead Indian Reservation to settlement all within a couple years of each other beginning in 1908, the economy began to rapidly expand.

Lumber mills, originally built to provide construction-grade materials for homes and business but then expanded to entice and then meet the demands of the railroad, profited from an increase in demand from railroad expansion and the nation at large. The Bonner mill, partly owned by both the Northern Pacific and Copper King Marcus Daly grew to become the largest producer of lumber in the northwest. Sixteen years later in 1908, Missoula's location as both a major lumber producer and a regional commercial center helped land the city the regional office for the newly establish U.S. Forest Service created to help manage the nation's timber supply. Over the next century, Missoula's various lumber industries would be consolidated under various entities such as the Company in the 1970s and International Paper through the 1980s until most were under control of Creek Timber, all the while demand in timber dropped. In 2007 a downward spiral of Missoula's lumber industry began with the closure of a plywood plant in Bonner, followed by the closure of Bonner's sawmill the next year, and finally the closing of the Smurfit-Stone Container pulp mill in early 2010.

Since opening in 1895, the University of Montana has had a major impact on the development of Missoula's economy. In addition to the economic advantage from accommodating the student body it gave the city an educated workforce that was not available in most of the state. The university today has a very close relationship with the city as Missoula's largest employer and with the millions of dollars the school brings into the city through visitor of school-sponsored sporting and cultural events. The university also houses Missoula's only business incubator, the Montana Technology Enterprise Center (MonTEC), and several start-up businesses.

Beyond timber and education, Missoula's economic mainstay has been of one as a regional trade center. Today Missoula has an immediate trade area of approximately 180,000 residents and is determined by the US Department of Commerce to be the regional economic center for the western third of Montana with a population of 300,929. Key businesses sectors serving the area include health care, retail shopping, transportation, financial services, government/social services, education, events, arts and culture. Health care in particular is one of Missoula's fastest growing industries with St. Patrick Hospital (western Montana's only Level-II Trauma center) and the Community Medical Center already the city's second and third largest employers behind the university. Over all, 55% of employment in Missoula is made up of the service and retail sectors. Export industries are concentrated in heavy and civil engineering, construction, beverage production, technical services, truck transportation, and forestry/logging/wood related industries. In addition to nearly 4 million out-of-state visitors annually, which makes tourism a significant aspect of the Missoula economy, Missoula also is home to a vibrant sector of alternative healthcare.

Missoula is ranked 300 in gross metropolitan product with an output of $4.8 billion in 2013. The city has a total personal income of $4.060.0 billion, an increase from $2.197392 in 1999. Per capita income ranked 187th at $35,156 a year, 89% of the national average. As of November 2011, the Missoula (MSA)'s unemployment rate was 6.9%. As of January 2013, the Missoula (MSA)'s unemployment rate was 5.5% dropping nearly 1% in the past year.

As of 2006 one survey showed Missoula as having a primary trade area of 100,086 and a secondary trade area of 93,272.

 

Great Falls is a city in and the county seat of Cascade County, Montana, United States. The 2013 census estimate put the population at 59,351. The population was 58,505 at the 2010 census. It is the principal city of the Great Falls, Montana Metropolitan Statistical Area, which encompasses all of Cascade County and has a population of 82,384. Great Falls was the largest city in Montana from 1950 to 1970, when Billings surpassed it. Great Falls remained the second largest city in Montana until 2000, when Missoula's incorporation of some surrounding neighborhoods resulted in its population surpassing that of Great Falls by a margin of 363 people. Since then Great Falls has been the third largest city in the state.

Great Falls takes its name from the series of five waterfalls in close proximity along the upper Missouri River basin that the Lewis and Clark Expedition had to portage around over a ten mile stretch; the effort required 31 days of arduous labor during the westward leg of their 1805-06 exploration of the Louisiana Purchase and to the Pacific Northwest Coast of the Oregon Country. Each falls sports a hydroelectric dam today, hence Great Falls is nicknamed "the Electric City". Currently there are two undeveloped parts of their portage route; these are included within the Great Falls Portage, a National Historic Landmark.

The city is home to the C. M. Russell Museum Complex, the University of Great Falls, Great Falls College Montana State University, Giant Springs, the Roe River (claimed to be the world's shortest river), the Montana School for the Deaf and the Blind, the Great Falls Voyagers minor league baseball (formerly known as the Great Falls White Sox and before that as the Dodgers and Giants respectively) team, and Malmstrom Air Force Base. The local newspaper is the Great Falls Tribune. A Coldwell Banker Home Price Comparison Index listed Great Falls as the most afable area of 348 markets in the US, Canada, and Puerto Rico.

The first human beings to live in the Great Falls area were Paleo-Indians who migrated into the region between 9,500 BCE and 8,270 BCE. The earliest inhabitants of North America entered Montana east of the Continental Divide between the mountains and the Laurentide ice sheet. The area remained only sparsely inhabited, however. Salish Indians would often hunt bison in the region on a seasonal basis, but no permanent settlements existed at or near Great Falls for much of prehistory. Around 1600, Piegan Blackfoot Indians, migrating west, entered the area, pushing the Salish back into the Rocky Mountains and claiming the site now known as Great Falls as their own. The Great Falls location remained the tribal territory of the Blackfeet until long after the United States claimed the region in 1803.

Meriwether Lewis was the first white person to visit the area, which he did on June 13, 1805, as part of the Lewis and Clark Expedition. York, an African American slave owned by William Clark and who had participated in the Expedition, was the first black American to visit the site of the future city.

 

Following the return passage of Lewis and Clark in 1806, there is no record of any white person visiting the site of the city of Great Falls until explorer and trapper Jim Bridger reached the area in 1822. Bridger and Major Andrew Henry led a fur-trading expedition to the future city location in April 1823 (and were attacked by Blackfeet Indians while camping at the site).[18] British explorer Alexander Ross trapped around Great Falls in 1824.[19] In 1838, a mapping expedition sent by the U.S. federal government and guided by Bridger spent four years in the area. Margaret Harkness Woodman became the first white woman to visit the Great Falls area in 1862.[20]

The Great Falls of the Missouri River marked the limit of the navigable section of the Missouri River for non-portagable watercraft,[21] and the non-navigability of the falls was noted by the U.S. Supreme Court in its 2012 ruling against the State of Montana on the question of streambed ownership beneath several dams situated at the site of the falls.[22] The first steamboat arrived at future site of the city in 1859.[23]

Politically, the future site of Great Falls passed through numerous hands in the 19th century. It was part of the unincorporated frontier until May 30, 1854, when Congress established the Nebraska Territory.[24] Indian attacks on white explorers and settlers dropped significantly after Isaac Stevens negotiated the Treaty of Hellgate in 1855, and white settlement in the area began to occur. On March 2, 1861, the site became part of the Dakota Territory.[25] The Great Falls area was incorporated into the Idaho Territory on March 4, 1863,[26] and then into the Montana Territory on May 28, 1864. It became part of the state of Montana upon that territory's admission to statehood on November 8, 1889.

Great Falls was founded in 1883. Businessman Paris Gibson visited the Great Falls of the Missouri River in 1880, and was deeply impressed by the possibilities for building a major industrial city near the falls with power provided by hydroelectricity.[27][28][29][30] He returned in 1883 with friend Robert Vaughn and some surveyors and platted a permanent settlement the south side of the river.[27][28] The city's first citizen, Silas Beachley, arrived later that year. With investments from railroad owner James J. Hill and Helena businessman Charles Arthur Broadwater, houses, a store, and a flour mill were established in 1884.[27][28][29][30] The Great Falls post office was established on July 10, 1884, and Paris Gibson was named the first postmaster.[31] A planing mill, lumber yard, bank, school, and newspaper were established in 1885.[27][30] By 1887 the town had 1,200 citizens, and in October of that year the Great Northern Railway arrived in the city.[27][29][30] Great Falls was incorporated on November 28, 1888.

Black Eagle Dam was built in 1890, and by 1912 Rainbow Dam and Volta Dam (now Ryan Dam) were all operating.[27][30]

Great Falls quickly became a thriving industrial and supply center and, by the early 1900s, was en route to becoming one of Montana's largest cities. The rustic studio of famed Western artist Charles Marion Russell was a popular attraction, as were the famed "Great Falls of the Missouri", after which the city was named. A structure billed as the "world's tallest smokestack" was completed in 1908 by the city's largest employer, the Anaconda Copper Mining Company's smelter, measuring 508 feet (155 m) tall. The Big Stack immediately became a landmark for the community. The Big Stack;sister' stack in Anaconda was suffering from cracking and it was decided to remove the support bands from the upper half of the Big Stack and send them to Anaconda. This action proved to be the Big Stack's ultimate demise since the cracks it suffered from rapidly worsened. Citing public safety concerns due to the stack's continual deterioration of its structural integrity it was slated for demolition on September 18, 1982. In an interesting twist of fate the demolition crew failed to accomplish the task on the first try; the two worst cracks in the stack ran from just above ground level to nearly 300 feet up. As the 600 lbs of explosives were set off (which was to create a wedge in the base so it would fall almost vertically into a large trench for the rubble) the cracks 'completed themselves' all the way to the ground—effectively severing the stack into two-thirds and one-third pieces. Much to the delight of the spectating community, the smaller of the two pieces remained standing, but the failed demolition only solidified the safety issue whereas the community cited the event as the stack's defiance. The demolition team who had planted the charges was recalled and several hours later they returned and finished the demolition, after packing another 400 lbs of explosives into the smaller wedge.

During World War II through the city passed Northwest Staging Route on which delivered planes in the USSR according the Lend-Lease. Great Falls prospered further with the opening of a nearby military base in the 1940s, but as rail transportation and freight slowed in the later part of the century, outlying farming areas lost population, and with the closure of the smelter and cutbacks at Malmstrom Air Force Base in the 1980s, its population growth slowed.

Like other cities in the Great Plains and Midwest, the economy of Great Falls has suffered from the decline of heartland industry in recent years.

 

Bozeman is a city in and the county seat of Gallatin County, Montana, United States, in the southwestern part of the state. The 2010 census put Bozeman's population at 37,280 and the 2012 census estimate put the population at 39,860 making it the fourth largest city in the state. It is the principal city of the Bozeman, MT Micropolitan Statistical Area, consisting of all of Gallatin County with a population of 94,720. It is the largest Micropolitan Statistical Area in Montana and is the third largest of all of Montana’s statistical areas.

The city is named after John M. Bozeman who established the Bozeman Trail and was a key founder of the town in August 1864. The town became incorporated in April 1883 with a city council form of government and later in January 1922 transitioned to its current city manager/city commission form of government. Bozeman was elected an All-America City in 2001 by the National Civic League.

Bozeman is a college town, home to Montana State University. The local newspaper is the Bozeman Daily Chronicle, and the city is served by Bozeman Yellowstone International Airport.

Early history

For thousands of years indigenous people of the United States, including the Shoshone, Nez Perce, Blackfeet, Flathead, Crow Nation and Sioux traveled through the area, called the "Valley of the Flowers", although the Gallatin Valley was primarily within the territory of the Crow people.

Nineteenth century

 

William Clark visited the area in July 1806 as he traveled east from Three Forks along the Gallatin River. The party camped 3 miles (4.8 km) east of what is now Bozeman, at the mouth of Kelly Canyon. The journal entries from Clark's party briefly describe the future city's location.

John Bozeman

In 1863 John Bozeman, along with a partner named John Jacobs, opened the Bozeman Trail, a new northern trail off the Oregon Trail leading to the mining town of Virginia City through the Gallatin Valley and the future location of the city of Bozeman.

John Bozeman, with Daniel Rouse and William Beall platted the town in August 1864, stating "standing right in the gate of the mountains ready to swallow up all tenderfeet that would reach the territory from the east, with their golden fleeces to be taken care of". Red Cloud's War closed the Bozeman Trail in 1868, but the town's fertile land attracted permanent settlers.

Nelson Story

In 1866 Nelson Story, a successful Virginia City, Montana, gold miner originally from Ohio entered the cattle business. Story braved the hostile Bozeman Trail to successfully drive ~1000 head of longhorn cattle into Paradise Valley just east of Bozeman. Eluding the U.S. Army, who tried to turn Story back to protect the drive from hostile Indians, Story's cattle formed one of the earliest significant herds in Montana's cattle industry. Story established a sizable ranch in the Paradise Valley and holdings in the Gallatin Valley. He later donated land to the state for the establishment of Montana State University – Bozeman.

was established in 1867 by Captain R. S. LaMotte and two companies of the 2nd Cavalry, after the mysterious death of John Bozeman near the mouth of Mission Creek on Yellowstone River 45°42′52″N 110°23′20″W,[18] and considerable political disturbance in the area led local settlers and miners to feel a need for added protection. The fort, named for Gettysburg casualty Colonel Augustus Van Horne Ellis, was decommissioned in 1886 and few remnants are left at the actual site, now occupied by the Fort Ellis Experimental Station of Montana State University.[19] In addition to Fort Ellis, a short-lived fort, Fort Elizabeth Meagher (also simply known as Fort Meagher), was established in 1867 by volunteer militiamen. This fort was located eight miles (13 km) east of town on Rocky Creek.45°38′30″N 110°55′05″W, el. 5,249 feet (1,600 m)[20]

Other

The first issue of the weekly Avant Courier newspaper, the precursor of today's Bozeman Chronicle was published in Bozeman on September 13, 1871.[21]

Bozeman's main cemetery, Sunset Hills Cemetery, was gifted to the city in 1872 when the English lawyer and philanthropist William Henry Blackmore purchased the land after his wife Mary Blackmore died of pneumonia in Bozeman in July 1872.[23]

The first library in Bozeman was formed by the Young Men's Library Association in a room above a drugstore in 1872. It later moved to the mayor's office and was taken over by the city in 1890.[23]

The first Grange meeting in Montana Territory was held in Bozeman in 1873.[24] The Northern Pacific Railway reached Bozeman from the east in 1883.[25] By 1900 Bozeman's population reached 3,500.

In 1892 the U.S. Bureau of Fisheries established a fish hatchery on Bridger Creek at the entrance to Bridger Canyon. The fourth oldest fish hatchery in the United States, the facility ceased to be primarily a hatchery in 1966 and became the U.S. Fish and Wildlife Service's Bozeman National Fish Hatchery, later a fish technology and fish health center. The Center receives approximately 5000 visitors a year observing biologists working on diet testing, feed manufacturing technology, fish diseases, brood stock development and improvement of water quality.[26][27]

Montana State University - Bozeman was established in 1893 as the state's land-grant college, then named the Agricultural College of the State of Montana. By the 1920s, the institution was known as Montana State College, and in 1965 it became Montana State University.[28]

Twentieth century

Bozeman's first high school, the Gallatin Valley High School, was built on West Main Street in 1902. Later known as Willson School, named for notable Bozeman architect Fred Fielding Willson, son of Lester S. Willson, the building still stands today and functions as administrative offices for the Bozeman School District.[29]

In the early 20th century, over 17,000 acres (69 km2) of the Gallatin Valley were planted in edible peas harvested for both canning and seed.[30] By the 1920s, canneries in the Bozeman area were major producers of canned peas, and at one point Bozeman produced approximately 75% of all seed peas in the United States.[31] The area was once known as the "Sweet Pea capital of the nation" referencing the prolific edible pea crop. To promote the area and celebrate its prosperity, local business owners began a "Sweet Pea Carnival" that included a parade and queen contest. The annual event lasted from 1906 to 1916. Promoters used the inedible but fragrant and colorful sweet pea flower as an emblem of the celebration. In 1977 the "Sweet Pea" concept was revived as an arts festival rather than a harvest celebration, growing into a three-day event that is one of the largest festivals in Montana.[30]

The first federal building and Post Office was built in 1915. Many years later, while empty, it was a film location, along with downtown Bozeman, in A River Runs Through It (1992) by Robert Red, starring Brad Pitt. It is now used by HRDC, a community organization.

The Bridger Bowl Ski Area45°49′02″N 110°53′48″W[32] operates as a 501(c)(4) organization by the Bridger Bowl Association, and is located on the northeast face of the Bridger Mountains, utilizing state and federal land.[33] Bridger Bowl was Bozeman's first ski area and opened to the public in 1955.[34] In 1973 news anchorman Chet Huntley created the Big Sky Ski Resort off Gallatin Canyon 40 miles (64 km) south of Bozeman. The resort has grown considerably since 1973 into a residential community and major winter tourist destination.45°16′51″N 111°24′24″W[35]

In 1986 the 60 acres (240,000 m2) site of the Idaho Pole Co. on Rouse Avenue, was designated a Superfund site and placed on the National Priorities List. Idaho Pole treated wood products with creosote and pentachlorophenol on the site between 1945 and 1997.[36]

The Museum of the Rockies was created in 1957 as the gift from Butte physician Caroline McGill "

 

"

, Butte's urban landscape includes mining operations set within residential areas, making the environmental consequences of the extraction economy all the more apparent. Despite the dominance of the onda Company, Butte was never a company town. It prided itself on architectural diversity and a civic ethos of rough-and-tumble individualism. In the 21st century, efforts at interpreting and preserving Butte's heritage are addressing both the town's historical significance and the continuing importance of mining to its economy and culture.

Butte was one of the largest cities west of the Mississippi for generations. Silver Bow County (Butte and suburbs) had 24,000 people in 1890, and peaked at 60,000 in 1920. The population steadily declined with falling copper prices after World War I, eventually dropping to 34,000 in 1990 and stabilized. In 2013, the population remains at 34,200. In its heyday between the late 19th century and about 1920, it was one of the largest and most notorious copper boomtowns in the American West, home to hundreds of saloons and a famous red-light district. The documentary Butte, America depicts its history as a copper producer and the issues of labor unionism, economic rise and decline, and environmental degradation that resulted from the activity.

The city is served by Bert Mooney Airport with airport code BTM.

Butte began as a mining town in the late 19th century in the Silver Bow Creek Valley (or Summit Valley), a natural bowl sitting high in the Rockies straddling the Continental Divide. At first only gold and silver were mined in the area, but the advent of electricity caused a soaring demand for copper, which was abundant in the area. The small town was often called "the Richest Hill on Earth". It was the largest city for many hundreds of miles in all directions. The city attracted workers from Cornwall (United Kingdom), Ireland, Wales, Lebanon, Canada, Finland, Austria, Serbia, Italy, China, Syria, Croatia, Montenegro, Mexico, and all areas of the U.S. The legacy of the immigrants lives on in the form of the Cornish pasty which was popularized by mine workers who needed something easy to eat in the mines, the povitica—a Slavic nut bread pastry which is a holiday favorite sold in many supermarkets and bakeries in Butte — and the boneless porkchop sandwich. These, along with huckleberry products and Scandinavian lefse have arguably become Montana's symbolic foods, known and enjoyed throughout Montana. In the ethnic neighborhoods, young man formed gangs to protect their territory and socialize into adult life, including the Irish of Dublin Gulch, the Eastern Europeans of the McQueen Addition, and the Italians of Meaderville.

Among the migrants, many Chinese workers moved in, and amongst them set up businesses that led to the creation of a Chinatown in Butte. The Chinese migrations stopped in 1882 with the passage of the Chinese Exclusion Act. There was anti-Chinese sentiment in the 1870s and onwards due to racism on the part of the white settlers, exacerbated by economic depression, and in 1895, the chamber of commerce and labor unions started a boycott of Chinese owned businesses. The business owners fought back by suing the unions and winning. The history of the Chinese migrants in Butte is documented in the Mai Wah Museum.

The iux of miners gave Butte a reputation as a wide-open town where any vice was obtainable. The city's famous saloon and red-light district, called the "Line" or "The Copper Block", was centered on Mercury Street, where the elegant bordellos included the famous Dumas Brothel. Behind the brothel was the equally famous Venus Alley, where women plied their trade in small cubicles called "cribs". The red-light district brought miners and other men from all over the region and was open until 1982 as one of the last such urban districts in the U.S. The Dumas Brothel is now operated as a museum to Butte's rougher days. Close by Wyoming Street is home to the Butte High School (home of the "Bulldogs").

At the end of the 19th century, copper was in great demand because of new technologies such as electric power that required the use of copper. Three men fought for control of Butte's mining wealth. These three "Copper Kings" were William A. Clark, Marcus Daly, and F. Augustus Heinze.

In 1899, Daly joined with William Rockefeller, Henry H. Rogers, and Thomas W. Lawson to organize the Copper Mining Company. Not long after, the company changed its name to Copper Mining Company (ACM). Over the years, onda was owned by assorted larger corporations. In the 1920s, it had a virtual monopoly over the mines in and around Butte. Between approximately 1900 and 1917, Butte also had a strong streak of Socialist politics, even electing a Mayor on the Socialist ticket in 1914.

The prosperity continued up to the 1950s, when the declining grade of ore and competition from other mines led the conda company to switch its focus from the costly and dangerous practice of underground mining to open pit mining. This marked the beginning of the end for the boom times in Butte.

Labor organizations

 

Butte was also known as "the Gibraltar of Unionism", with a very active labor union movement that sought to counter the power and iuence of the Anaconda company, which was also simply known as "The Company."

By 1885, there were about 1,800 dues-paying members of a general union in Butte. That year the union reorganized as the ), spinning off all non-miners to separate craft unions. Some of these joined the Knights of Labor, and by 1886 the separate organizations came together to form the Silver Bow Trades and Labor Assembly, with 34 separate unions representing nearly all of the 6,000 workers around Butte. The BMU established branch unions in mining towns like Barker, Castle, Champion, Granite, and Neihart, and extended support to other mining camps hundreds of miles away.

In 1892 there was a violent strike in Coeur d'Alene. Although the BMU was experiencing relatively friendly relations with local management, the events in Idaho were disturbing. The BMU not only sent thousands of dollars to support the Idaho miners, they mortgaged their buildings to send more.

There was a growing concern that local unions were vulnerable to the power of Mine Owners' Associations like the one in Coeur d'Alene. In May 1893, about forty delegates from northern hard-rock mining camps met in Butte and established the Miners (WFM), which sought to organize miners throughout the West. The Butte Miners' Union became Local Number One of the new WFM. The WFM won a strike in Cripple Creek, Colorado, the following year, but then in 1896–97 lost another violent strike in Leadville, Colorado, prompting the Montana State Trades and Labor Council to issue a proclamation to organize a new Western labor federation along industrial lines.

After 1905, Butte became a hotbed of Industrial Workers of the World (IWW, or the "Wobblies") organizing. There were a number of clashes between laborers, labor organizers, and the Anaconda company, including the 1917 lynching of IWW executive board officer Frank Little. In 1920, company mine guards gunned down strikers in the Anaconda Road Massacre. Seventeen were shot in the back as they tried to flee, and one man died.

Copper production

In 1917, copper production from the Butte mines peaked and steadily declined thereafter. By WWII, copper production from the ACM's holdings in Chuquicamata, Chile, far exceeded Butte's production. The historian Janet Finn has examined this "tale of two cities"—Butte and Chuquicamata as two ACM mining towns.

Beer production

Commercial breweries first opened in Butte, in the 1870s; they were usually run by German immigrants, including Leopold Schmidt, Henry Mueller, and Henry Muntzer. The breweries were always staffed by union workers. Most ethnic groups in Butte, from Germans and Irish to Italians and various Eastern Europeans, including children, enjoyed the locally brewed lagers, bocks, and other types of beer. By the 1960s, major national brands dominated the market, including ; by the 1990s, however, small microbreweries in Butte and nearby cities found a niche market, and international imports became widely available.[17]

The open-pit era

Since the 1950s, five major developments have occurred: the decision to begin open-pit mining in the mid-1950s; a series of fires in Butte's business district in the 1970s; a debate over whether to relocate the city's historic business district; a new civic leadership; and the end of copper mining in 1983. In response, Butte looked for ways to diversify the economy and provide employment. The legacy of over a century of environmental degradation has, for example, produced some jobs. Environmental cleanup in Butte, designated a Superfund site, has employed hundreds of people.[18]

 

Thousands of homes were destroyed in the Meaderville suburb and surrounding areas, McQueen and East Butte, to excavate the Berkeley Pit, which opened in 1955 by Copper. At the time, it was the largest truck-operated open pit copper mine in the United States. Other open pit mines were dug in the area, including the still-operational East Continental Pit. The Berkeley pit grew with time until it bordered the Columbia Gardens, a large fairground established by Montana businessman William A. Clark. After the Gardens caught fire and burned to the ground in November 1973, the pit was expanded into the site. In 1977 theCO (Company) company purchased Mining, and only three years later started shutting down mines due to lower metal prices. In 1982, all mining in the Berkeley Pit was suspended. In 1983, an organization of low income and unemployed residents of Butte formed to fight for jobs and environmental justice; the Community Union produced a detailed plan for community revitalization and won substantial benefits, including a Montana Supreme Court victory striking down as unconstitutional State elimination of welfare benefits.[19]

Anaconda stopped mining at the Pit in 1983. Montana R bought the property and reopened the pit in 1986. The company stopped mining in 2000, but resumed in 2003 with higher metal prices, and continues at last report, employing 346 people. From 1880 through 2005, the mines of the Butte district have produced more than 9.6 million metric tons of copper, 2.1 million metric tons of zinc, 1.6 million metric tons of manganese, 381,000 metric tons of lead, 87,000 metric tons of molybdenum, 715 million troy ounces (22,200 metric tons) of silver, and 2.9 million ounces (90 metric tons) of gold.[20]

When mining shut down at the Berkeley pit in 1982, water pumps in nearby mines were also shut down, which resulted in highly acidic water laced with toxic heavy metals filling up the pit. Only two years later the pit was classified as a Superfund site and an environmental hazard site. Meanwhile, the acidic water continued to rise. It was not until the 1990s that serious efforts to clean up the Berkeley Pit began. The situation gained even more attention after as many as 342 migrating geese chose the pit lake as a resting place, resulting in their deaths. Steps have since been taken to prevent a recurrence, including but not limited to loudspeakers broadcasting sounds to scare off waterfowl. However, in November 2003 the Horseshoe Bend treatment facility went online and began treating and diverting much of the water that would have flowed into the pit. Ironically, the Berkeley Pit is also one of the city's biggest tourist attractions. It is the largest pit lake in the United States, and is the most costly part of the country's largest Superfund site.

Recent history

 

Over a dozen of the headframes still stand over the mine shafts, and the city still contains thousands of historic commercial and residential buildings from the boom times, which, especially in the Uptown section, give it a very old-fashioned appearance, with many commercial buildings not fully occupied. Many areas of the city, especially the areas near the old mines, show signs of urban blight but a recent iux of investors and an aggressive campaign to remedy blight has led to a renewed interest in restoring property in Uptown Butte's historic district, which was expanded in 2006 to include parts of onda and is now the largest National Historic Landmark District in the United States with nearly 6,000 contributing properties.

A century after the era of intensive mining and smelting, the area around the city remains an environmental issue. Arsenic and heavy metals such as lead are found in high concentrations in some spots affected by old mining, and for a period of time in the 1990s the tap water was unsafe to drink due to poor filtration and decades-old wooden supply pipes. Efforts to improve the water supply have taken place in the past few years, with millions of dollars being invested to upgrade water lines and repair infrastructure. Environmental research and clean-up efforts have contributed to the diversification of the local economy, and signs of vitality remain, including a multi-million dollar polysilicon manufacturing plant locating nearby in the 1990s and the city's recognition and designation in the late 1990s as an All-American City and also as one of the National Trust for Historic Preservation's Dozen Distinctive Destinations in 2002. In 2004, Butte received another economic boost as well as international recognition as the location for the Hollywood film Don't Come Knocking, directed by renowned director Wim Wenders and released throughout the world in 2006.

The annual celebration of Butte's Irish heritage (since 1882) is the annual St. Patrick's Day festivities. In these modern times about 30,000 revelers converge on Butte's Historic Uptown District to enjoy the parade led by the Ancient Order of Hibernians and celebrate in bars such as Maloney's, the Silver Dollar Saloon, the M&M Cigar Store, and The Irish Times Pub.

See also: Saint Patrick's Day in the United States § Butte, Montana

Butte is one of the few cities in the United States where possession and consumption of open containers of alcoholic beverages are allowed on the street (although not in vehicles).[21][22][23][24]

A larger annual celebration is Evel Knievel Days, held on the last weekend of July. This event draws over 50,000 motor sport enthuisasts and fans of Evel Knievel from around the world.[25]

Butte is perhaps becoming most renowned for the regional Montana Folk Festival[26] held on the second weekend in July. In 2013, this event attracted 170,000 attendees for the three-day celebration of traditional music, art,dance and cuisine. This event began its run in Butte as the National Folk Festival from 2008 to 2010 and in 2011 made the transition to the largest free-of-admission music festival in Montana and, most likely, in the Pacific Northwest.

Butte's Fourth of July Parade and Fireworks show is the largest in the state. In 2008 spent his last Fourth of July before his Presidency campaigning in Butte, taking in the parade with his family, and celebrating .[27]

In March 2009, Butte was the location of an airplane crash that made headlines worldwide. Fourteen passengers and crew were killed when the plane crashed into the Holy Cross Cemetery near the runway at Bert Mooney Airport.Helena is the principal city of the Helena Micropolitan Statistical Area, which includes all of Lewis and Clark and Jefferson counties; its population is 76,850 according to the 2013 Census Estimate.

The local daily newspaper is the Independent Record. Professional sports teams include the Helena Brewers minor league baseball and Helena Bighorns Tier III Junior A hockey team. The city is served by Helena Regional Airport (HLN).

The area had long been occupied by varying cultures of indigenous peoples. By the 19th century, European-American and Métis traders had long established trading relationships with regional Native American tribes.

The California gold rush attracted many migrants, with some passing through this area. They cast around for new areas to mine. On July 14, 1864, the discovery of gold by the "Four Georgians" in a gulch off the Prickly Pear valley led to the founding of the city here. Its main street is named Last Chance Gulch and lies close to the winding path of the original gulch. The historic downtown district developed around it.

The original camp was named "Last Chance" by the Four Georgians. By fall, the population had grown to over 200, and some considered the name "Last Chance" as too crass. On October 30, 1864, a group of at least seven self-appointed men met to name the town, authorize the layout of the streets, and elect commissioners. The first suggestion was "Tomah," a word the committee thought had connections to the local Indian people. Other nominations included Pumpkinville and Squashtown (as the meeting was held the day before Halloween). Other suggestions were to name the community after various Minnesota towns, such as Winona and Rochester, where many migrants had come from. Finally, a Scotsman named John Summerville proposed ' pronunciation became dominant and has remained so to the present. Later tales of the naming of Helena claimed the name came variously from the island of St. Helena, where Napoleon had been exiled, or was that of a miner's sweetheart.

The townsite was first surveyed in 1865 by Captain John Wood. However, many of the original streets followed the chaotic paths of the miners, going around claims and following the winding gulch. As a result, few city blocks are consistent in size; rather they have an irregular variety of shapes and sizes.

In 1870, Henry D. Washburn, having been appointed Surveyor General of Montana in 1869, organized the Washburn-Langford-Doane Expedition in Helena to explore the regions that would become Yellowstone National Park. Mount Washburn, located within the park, is named for him. Members of the expedition included Helena residents: Truman C. Everts - former U.S. Assessor for the Montana Territory, Judge Cornelius Hedges - U.S. Attorney, Montana Territory, Samuel T. Hauser - President of the First National Bank, Helena, Montana; later a Governor of the Montana Territory, Warren C. Gillette - Helena merchant, Benjamin C. Stickney Jr. - Helena merchant, Walter Trumbull - son of U.S. Senator Lyman Trumbull (Illinois) and Nathaniel P. Langford, then former U.S. Collector of Internal Revenue for Montana Territory. Langford helped Washburn organize the expedition and later helped publicize the remarkable Yellowstone region. In May 1872 after the park was established, Langford was appointed by the Department of Interior as its first superintendent.

By 1888, about 50 millionaires lived in Helena, more per capita than in any city in the world. They had made their fortunes from gold. About $3.6 billion (in today's dollars) of gold was taken from Last Chance Gulch over a 20-year period. The Last Chance Placer is one of the most famous placer deposits in the western United States. Most of the production occurred before 1868. Much of"

 

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Montana is a relative hub of beer microbrewing, ranking third in the nation in number of craft breweries per capita in 2011.[130] There are significant industries for lumber and mineral extraction; the state's resources include gold, coal, silver, talc, and vermiculite. Tourism is also important to the economy with millions of visitors a year to Glacier National Park, Flathead Lake, the Missouri River headwaters, the site of the Battle of Little Bighorn and three of the five entrances to Yellowstone National Park.

 

 

 

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Searching for the right trucking companies to move your freight can be tough, with the large amount of local, regional, and national truck carriers out there. Center helps make freight shipping simple, finding you the safest, reliable trucking companies every time you ship. Trucking companies are licensed and insured to carry freight safely and efficiently across the country, no matter the size or type of freight you need to ship.Plus, with the high volume of freight we move, we will work to get you the best freight rates possible. Simply enter in a few details below and you�ll see instant freight rates from all the top trucking companies in one easy screen

 

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Searching for the right trucking companies to move your freight can be tough, with the large amount of local, regional, and national truck carriers out there. Center helps make freight shipping simple, finding you the safest, reliable trucking companies every time you ship. Trucking companies are licensed and insured to carry freight safely and efficiently across the country, no matter the size or type of freight you need to ship.Plus, with the high volume of freight we move, we will work to get you the best freight rates possible. Simply enter in a few details below and you�ll see instant freight rates from all the top trucking companies in one easy screen

 

 

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Since the mid 1980s Taylor Truck & Haul have been successfully running their freight business. They've delivered goods for nearly every major industry in the nation and for 20 plus years, business was booming as they've traversed the country in all weather for all clients. During the heady times from 2002 to 2007, Taylor was a top rated accounts receivable mastermind of the trucking industry. Few customers were ever late on bills and those clients who were, were sure to turn in their late payments within a reasonable amount of time. The money was flowing, and times were great.It was just one year later, in 2008, when the economy in the United States took a sharp decline, and both large and small businesses started to notice the squeeze on their pocketbooks: everyone had suddenly gone silent. Business slowed down. And worse yet, Taylor had noticed during the early part of 2008 that though the bulk of their clients were always on time with payments, the few late-bloomers there were, had seemingly started to spread this illness. And as spring turmed to summer and summer into the early days of fall, Thomas Lawrence, CEO of Taylor felt a chill go down his spine whenever he would look at the weekly A/R reports. There was a growing list of clients who now owed them back debt.He had already been to the administrators to ask what the actual problem was. Were they doing something wrong or different when it came to reaching out to delinquent accounts? When checking his bookkeeper's records this was definitely not the case. Perhaps he was losing his customers to his competitor, who seemed to offer very low prices with no guarantee of quality or performance, and these clients who were in debt to his company had possibly disappeared leaving him stranded. Perhaps they were unable to pay their debt to him, but were able to meet the costs of a lesser service. But after doing the cursory research for this and talking to friends in the field, he found that alas, no, customers of Taylor hadn't gone elsewhere. They had just gone home.This current state-of-affairs was causing Thomas Lawrence to have some very restless nights. He had employees to pay, goods to ship, trucks to maintain and overhead that was almost unbearable when compared against the lack of funds that were coming in. After work he would confide in his wife, Dorothy, and neither were unable to stop the constant worry over the lack of funds.""I have a bad feeling, Lin,"" he would say with deep woe.""Well, what do you think it is?"" she would say.Thomas would stare off into the distance, and then slowly close his eyes. In his mind he could clearly see the fleet of trucks purchased over the many years. He could see them on the road, delivering good to all his loyal customers. But somewhere, a haze would form over his fleet and the vast number of vehicles would disappear to but a few. Why couldn�t he work out how to resolve this financial problem with his business?""I think I know what it could be,"" said Thomas. ""I've relied too long on the profits I receive from invoices alone. I've let too many of our customers go too long without paying on their bills."" Linda could only grab her husband's hand and look at him lovingly, ""it is a hard economy. It might be awhile until things get settled up.

 

""Thomas knew very well that Dorothy was only trying to help, but his responsibilities weighed heavily on his shoulders and he knew he had better do something soon to resolve this situation.The following day Thomas walked into his office with a spring in his step, determined to call each and every client who owed money to Taylor Truck & Haul. Now, it wasn't the most efficient way to spend a day as a chief executive, what he really needed to be doing was to be overseeing all of the other intricacies of shipment and delivery and reaching out to prospective clients or retraining his sales team to do the same. Even though he was doing something to help his company, he knew he had folks on salary to do just this thing. Wasting money, wasting time - even with the best of intentions, Thomas knew that he was in trouble.

 

Poor Thomas spent the whole morning trying in vain to contact his debtors: they promised to call back, dodged his calls, or made small interest-only payments. He was beginning to feel quite despaired when his secretary knocked on his door.

 

""Thomas, can I have a word?"" she queried, standing in the doorway.

 

""Sure thing Marilyn, come on in."" Thomas relaxed back into his chair and looked up at Marilynerley.""Well Thomas, this afternoon I did some research, trying to work out how we are going to get out of this mess."" She opened up a folder she had been carrying and pulled out a small wad of papers, placing them on the desk in front of him.""Have you ever heard of factoring?"" she asked.""It does sound vaguely familiar. What is it?"" he said.She began, ""Well, it is really very simple. So basically, factoring invoices would enable us to get paid on the nose for loads that we haul.""Immediately?"" Thomas interrupted.""Immediately, yes"" she added, ""it is actually very simple. We start by having a professional account manager review our figures and help us set up a company profile. That profile will also include investigating our accounts receivable aging reports, our existing customer credit limits and so on. In addition, factoring will assist in determining our customers' creditworthiness, independent from their credit relationship with our company. It provides a very broad view.""Thomas replied cautiously ""I see - and what happens then?""Following the completion of their review and once we have been approved for a contract with the factoring company, then we sit down to negotiate conditions and terms. There�s a lot of flexibility depending on the business volume and credit histories. This company tells us what the cost will be to purchase factoring for our accounts receivable. We come to an agreement and the funding starts pouring out.�Thomas was still a little concerned. He leaned forward in his chair and studied the paperwork very closely.""It sounds too good to be true, Marilyn,"" he said.""Now, now, I know, I thought the same thing. But really, they have guaranteed us experts that do all the legwork, which would free us up here to focus on our clients in good standing and marketing, all that good stuff. And they're flexible Thomas,"" she drew a circle around a paragraph on the document before him.""Just how flexible?"" asked Thomas.""It seems that they personalize their factoring charges so that the amount they're prepared to work with is commensurate with our client's debt and our needs. Apparently they can figure this all out in two to four days.

 

""That sounds pretty good, seeing as we tapped ourselves out with bank loans last year to repair the fleet and money sure is tight. it is imperative that we keep the business rolling as usual, and every day we go unpaid we are getting closer and closer to dealing with some serious issues in both the short term and the long term,"" said Thomas.Thomas took in a long slow breath, then looked at his secretary with something like hope in his eyes.""Exactly�. This could very well be the answer to resolving the problems we are having with these clients who still owe us money.""Thomas thought about this and agreed with Marilynerley. The customers who were in debt to Taylor Truck & Haul were professional resources of the company, but they were also long-standing friends. Thomas wasn't prepared to lose these relationships just because they were having financial issues at the moment. He was well aware that the economy was in a bad way and that it might be quite a while before things started picking up. That unknown amount of time could create a disaster situation for both of them if he wasn't careful in how these debtors were handled. Of course he did not want to lose any more money, but he did not want to lose business either.""Let me go over this tonight Marilyn, and thankyou."" Marilyn nodded, stood up and left the office feeling that she had helped her employer keep on his shirt and hers too.Thomas stayed at his desk for a long time, looking over the details they hadn't discussed during their meeting. He wondered if there might be other problems freight factoring could help Taylor Truck & Haul with? With his pencil gliding down the sheet he noticed that the factoring company could help fray the cost of fuel with fuel discount cards and fuel advances. In fact, Taylor could receive up to fifty-percent cash advances upon load pick-ups. As a man who hated binding contracts with no room to breathe, he was pleased to see that this factoring company would not make him sign a long term contract, would not make him pay any sign up fees and there was no minimum volume required.""Well, I'll have to tell Micheal about this,"" muttered Thomas to himself.His son-in-law Micheal had liked the idea of Taylor so much and revered his father in law for having such business acumen that only two years before, he had gathered the venture capital to begin his own transportation service company. At that time Thomas knew the struggles Micheal would face, but he still encouraged him to follow his dream. With the economy the way it was, if an established company such as Taylor was struggling then the little guys, like Micheal, were going to be in even more trouble.

 

But, maybe the answer for both of them was in freight factoring, and Thomas was going to find out very soon.Some months later, having successfully gone through the entire process of the application, having experts study his credit history and statements and review his accounts receivable, Thomas found that he was starting his journey out of the despair which had been created for him by his delinquent account holders.They took on reasonable factoring purchase contracts and stopped spending their precious man hours scrambling to collect debt. They used that time to refocus their efforts in being competitive in new territories. Thomas looked back on the dismal months of life before freight factoring and almost shuddered at the thought. He probably wouldn't be in business today had he not learned just in time about freight factoring.

 

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More Trucking Factoring Companies Story Articles

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Factoring in the Future of a Trucking Business: A Story The phone was ringing on his desk, and Gene Lawson just sat there letting it ring. He let his morning coffee cool and left his cigarette to ash itself in the tray, because he is trying to make the biggest decision ever for his trucking company. Lawson Trucking Company was at a turning point of growth and Gene had to decide if signing with a factoring company was the right way forward.

 

Gene�s father had started as an owner-operator and had grown Lawson Trucking Company into a fifteen trailer fleet over forty years. There had been some hard times when it seemed everything was going to go under and even Gene�s mother strapped herself into a cab to make hauls. His father had worked long enough to see the price of hires drop dramatically during the recession and to see the explosion of fuel prices afterwards. Now the company was solely in Gene�s hands and he wanted to live to see it in better shape for his sons.

 

To move Lawson Trucking Company ahead into the future, he needed a steady cash flow but there was just not enough money to go around. His employees needed to be paid. They had families and household bills too. A few of the refrigerated trailers really needed some maintenance, and in order to stay competitive he really wanted to invest in specialized haulers to meet the increasing requests for loads of agricultural and energy equipment. He knew that turning down these requests made Lawson Trucking look inefficient and weak in what was currently a strong market.

 

His father would have told him to wait and to take his time adding on new technology. Gene allowed himself a good hard chuckle. He remembered when his father was totally against installing GPS units in the cabs. His Dad would say ""Why on earth do you need some stranger telling you to get off the exit that everyone knows has been there for years?� Also his father had the habit of teasing all the drivers he caught switching into automatic even though driving in automatic was much more efficient though not manly in his father�s eyes. His father days were long gone and technology was actually an important improvement for the business such as having Qualcomm to cut down on fruitless time communicating on the phone for bills of lading.

 

Gene knew he was right in his forward thinking. How would he take Lawson Trucking to the next level? More importantly, how could he afford it? Business funding was tied up in fuel bills and the mortgage for the garage and office. Thankfully he'd just finished paying off the bank loan for the installation of satellite radio in the trucks.

 

He wondered about factoring - was this the answer for him? If he was being honest, he did not really understand how it all worked. It sounded a lot like ninth grade algebra which just didn�t feel like it belonged as part of the trucking business. A factoring company actually purchases your invoices and takes control of your accounts receivable, payment being a certain percentage of the amount invoiced. In return, the factoring company pays the trucking business straight away, providing immediate cash flow for the business to pay staff, purchase fuel, and do any repairs or maintenance. Without the assistance of factoring, you have to wait for customers to send you the payment which is often 30 days late. In those 30 days, a trucking company can�t pay its bills and employees in invoices.

 

Now it was time for Gene to do his homework. Gene had heard that there were companies that charged for same day money transfers and would only advance a percentage of the money owed to your company while holding the rest in a private account if they didn�t get their bill payment within 60 or so days. Worse still, if the customer defaulted on payment, the factoring company takes it out of the money supposedly coming to you! He'd even heard about some companies putting you onto a sliding percentage scale regardless of any previously signed contracts for possibly 3% or 7%, and there you are now with 10% coming as a charge to you out of the freight bill. His colleague, Ronnie, who owned a trucking company in Missouri, was nearly destroyed by a factoring company who charged him the full freight bill on top of the fees for factoring. He knew he would have to be very careful if he was to avoid any of these shady companies?

 

However, it all turned out to be very simple. All the factoring companies he researched were open about their business practices and very friendly on the phone when he called. Customer service appeared to understand their company and explained in clear, concise English exactly how it all worked. He was quite happy to sign an exclusive contract. He liked the idea of a long term commitment so he knew he wouldn�t have to bother going back and forth to different companies and wasting time filing more forms. He was not charged for a credit check, and in addition he was offered a fuel advance on the pick-up of a load. In fact there were a few companies who offered him a non-recourse factoring program, and this was exactly what he had been hoping for. He was more than happy with the figures he was offered in percentage terms on the freight bills. It was good money.

 

For Gene it was quite a relief to be dealing with the factoring company. They were more personable than those loan managers at the bank. He was relieved to note that the factoring companies understood the trucking business and discussed business with him like a respected client, not like someone looking for a handout. The factoring companies were not interested in his credit nor the financial problems his father had experienced in the past. All the factoring company was interest in was the credit of his customers and on their reliability: this worked great for Gene because he and his father had created a very strong and loyal list of clientele over the years. He knew immediately that there would not be any problems when they were contacted by the factoring company regarding their invoices. His clients wouldn�t think poorly of Lawson Trucking and the factoring companies appeared capable of handling the accounts receivable in the same polite manner that his father had used over the years.

 

Feeling happier now, Gene stepped out of his office to advise his secretary to expect to receive the contract very shortly from the factoring company. There was a new bounce is his step now: he knew instinctively that this new step would raise the future of his company to a new and higher level, and that all the stress from the past could now be put behind him. He suddenly realized that, with this new cash flow, he could actually expand Lawson Trucking Company and who knows, move into Canada, which had always been his dream. He was a happy man again knowing that he had just made a decision which would guarantee the success of his business and his sons would not be inheriting a financial mess.

 

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Trucking Factoring  Articles

"

�So It is not a loan?� Richard Watson asked as he leaned back in his chair, crossing his legs. The woman sitting across the desk from Richard smiled at him, shaking her head.�No, not exactly,� she said.Richard was the owner of a small trucking company which had fallen on some hard times recently. Certainly the trucking business can be an extremely profitable venture, and for many years it had been that way for Alex. He named his business Miller Trucking, named after Max and Eduardo, his two grandfathers. They had both been hardworking men, and had done a lot to make Richard the same.Disaster had struck half a year ago, when two trucks in Alex�s fifteen truck fleet went down. One was involved in a very costly accident, and the other simply rolled over, and headed to the trucking graveyard. Richard depended on his full fleet, and missing two trucks was devastating . Furthermore, buying a whole new truck and fixing the other simply took more cash than Richard had on hand.A big problem a lot of trucking companies came across was how bills were paid in the industry. Waiting a month or longer for bills to be paid was quite normal. In the long run, this wasn�t an issue, but if problems arose, you could find yourself in trouble.Richard wasn�t a bad owner, and he hadn�t messed up. Certain events had occurred that he could not possibly have predicted, and now he had to find a way to protect his business and prevent it from ultimate devastation.And that's why he found himself across the desk from this woman. Her name was Elsie and she worked for a factoring company. Richard had come across her company as he sat in his office late one night, pouring over the internet for some solution to his problem long after his employees had gone home.She sat there now, and explained. �it is really not a loan at all: we actually buy your accounts receivable. we are not giving you finance to be repaid later: we are purchasing something from you, and when you can you can buy it back. That way we�re protected from a complete loss, but you�re protected from the outrageous fees you would find in a loan from the bank.Richard nodded. It sounded good to him, almost too good.Elsie laughed. �I'm not sure that you believe me,� she said.�Oh no, I do: it just sounds too good to be true. I thought I was going to lose my company.�Elsie smiled, agreeing. �We get that a lot. Listen, I�d hate to see you lose your company. You work hard, you�ve put everything you can into it. Sometimes you need help. That�s what we�re here for.""Well, I'm very grateful that you came to see me today.""It�s right down the road, usually we do it all online, but I didn�t mind swinging on by today,� Elsie said with a smile. �Let�s see what we can do to help you.�And right there and then they created a business profile. Richard completed the form, with Elsie offering advice as needed.

 

The profile filled Elsie and her company in on Alex�s company, and would help them determine if he was suitable for factoring. In truth, not all companies were. Some businesses are beyond the help of a Factoring company, while other businesses weren't in enough financial stress to warrant it. Listening as Richard filled out his form, Elsie was pretty sure he was a perfect candidate for factoring.Elsie took the completed form and placed it in her briefcase. She then stood, reached across the desk and shook Alex�s hand. He stood before they shook as well, and then smiled. They said their goodbyes and Richard walked her to the door, and then returned to his office.All his staff members were there, all seven who worked in his office. Sitting behind his desk once more he could hear the familiar sounds of his office workers going about their daily business.He leaned back and closed his eyes. He felt so drained: he had been flailing helplessly for so long, he just knew his business was going to collapse and probably take him with it. Talking to Elsie though, learning about factoring, it felt like a weight had been lifted from his shoulders. He sat back in his chair and ran a hand through his graying but still thick black hair.The long nights, where he couldn�t sleep. The terrifying panic attacks that occurred regardless of where he was. He could feel it all fading away. He wasn�t out of the woods yet, there was still a lot of work to be done, but he could feel it. He was there, he was on the right path, and he was working to make things right.Richard couldn�t help but think back to when he had first started the business. He had opened a restaurant at age twenty two when he was fresh out of school. It had been successful. Home cooking in his hometown, and he had done very well.But it wasn't what he really wanted to do. He wasn't passionate about the food industry. He thought about it for a long time, then decided it was time to sell his restaurant. He took six months off, and during that time he decided to create Miller Trucking. And that's exactly what he did. Once again he built a company from the ground up. The business had been an instant success.And then the trucks went down, and his success looked to be in flux. He was nearing fifty. He was concerned that he just did not have the energy left to try and save the business. But he couldn�t give up. The idea of cutting his losses, shutting down, laying off his workers, it actually made him sick some nights. He did not want to quit - both for himself and for his staff members.And now it seemed as though he would not have to - all because of Factoring. Alex's eyes opened, he sat forward in his chair and turned on his computer. He had things to do. He could be thankful later, for now, it was time to work.

 

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More Trucking Factoring Company Story Articles

The reason why Trucking Firms Utilize Factoring Firms.

 

As the manager of your own business enterprise, you may likely be more than conscious already of the challenge in making sure that capital concerns do not become a difficulty down the line. After all, the most terrible thing that can in all probability develop for your enterprise is to find yourself dragged in a long and difficult circumstance that leaves you forever trying to find the funds you really need on an on-going basis.

 

For any sort of enterprise in this circumstance, the problem can come for waiting for work to clear up and actually be provided into your balance. Bill of sales, checks, and the like could take a long time to actually to beprocessed which can easily leave you with temporary capital issues. Luckily, there are solutions out there for businesses to look into-- and one of these is factoring companies.

 

Factoring agencies will, in exchange for your accounts, provide you with the cash asap to ensure that you do not need to fret about the waiting duration which could make paying off the expenses and acquiring toolsmore challenging. With this sort of setup, invoice factoring can end up being incredibly beneficial for plenty of enterprises who ought to avoid a money lure which they have gotten themselves in.

 

For the reason that, depending on the size of the task, it can take up to 60 days for some companies to get paid out then it is essential to take care of your own back and not leave yourself resources short to settle the costs. After all, how many businesses have two months earnings just lying there to handle all their bills till they earn?

 

This is especially correct of truck establishments. They often tend to manage numbers of statements which means a huge quantity of collection period concerns company owner themselves. Making an effort to get paid out promptly can eventually become an extraordinary headache and this is exactly why you employ truck factoring firms who are pleased to help out truckers exclusively.

 

As we all understand, trucking is an extremely large market with a lot of firms out there employing hundreds of operators. Unfortunately, numerous of these drivers wind up in money issues for the reason that they are still awaiting work from six weeks ago to actually pay them. When this is the situation for a trucking firm, depending on factoring providers for help may be the best choice left.

 

This implies that a trucking corporation can compensate the salaries of the work force, keep all the cars topped off with fuel and continue to escalate, develop and expand without consistently waiting for the income which is taking too prolonged to come in. Trucking Businesses operating without a factoring system implemented are leaving themselves at critical hazard, as rivals cash out rapidly and go on to broaden.

 

There's honestly nothing at all to be stressed about when it comes to employing a Factoring firm-- they commonly are not like a bank or any individual who is going to leave you with a significant mass of debt to repay. You give them legitimate invoices from work you have already finalized , you are just expediting the repayment process.

 

In the United states of America, where trucking companies prosper, factoring firms are not considered taking on loan in any capacity. This confidential settlement then permits both groups to profit and indulge in a comfortable future-- it gives the factoring provider a secured asset of income to put into the list and it furnishes the trucking company the needed funds that they sweated to obtain.

 

The trucking business presents their statements to the factoring firm. The trucking factoring company then collect the payments from the trucking company's customers. Factoring has beenaround for centuries and has been employed for decades by lots of various sectors-- but none exceeding so than truckers. While you might miss out on a small part of the money, something like 1-3 % depending upon who you partner with, it means that you are receiving the funds today and can actually begin setting the resources to perform.

 

After all, an IOU or an invoice is certainly not going to finance expenditures, is it? For trucking companies when the cash can be really good one day and gone the next, it is up to the drivers to work prudently and to make sure they are leaving themselves with a significant measure of time and finance to get through the week until they are paid for once more.

 

So the next period your trucking establishment is enduring some momentary cash flow problems and you are devoting excessive time chasing slowly paying customers, why not start off looking into employing a factoring companies as a manner to get your money and give yourself a more comfortable future in the eyes of your trucking personnel and your bank dividend?

 

 

 

 

 

 

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Traditional Bank Loans

 

Bank loans are an extremely traditional way for a business to get financing. These loans can be a life-saver, but they're not always available to every business. As an example, a newly formed business may not have the required assets to qualify for a bank loan, and even if they did, it is usual practise for a bank to use the business itself as collateral. This means that if you default on your loan payment you could lose your entire business. In addition, while you apply for a certain loan amount, that is all the financing you are entitled to. Once the loan is paid off, you can then apply for another loan if the need arises.

 

What Are Trucking Factoring Companies?

 

Trucking Factoring companies do not offer loans, and you do not go into debt when you get money from a Trucking Factoring company. Rather the financing you receive from a Trucking Factoring company is based on money your business has already earned, but have not yet received. Trucking Factoring companies actually purchase your accounts receivable or at least part of them for a percentage of their total worth, Normally around 80%-95%. The amount of money you can receive is based on the amount of money you have earned and the accounts receivable you are willing to �sell.� Once you have set up Trucking Factoring account it continues as long as you wish it too and the amount of money available to you even can grow as your business grows, giving you the ready cash you need to meet your own obligations.

 

Benefits of a Trucking Factoring Company Vs. A Bank Loan

 

While not every business can take advantage of Trucking Factoring account financing (you have to have a business that has account receivables) for those that can use this type of financing there are several distinct benefits.

 

1. You will not Incur Debt. You do not incur debt as you do with a bank loan because the Trucking Factoring company actually purchases your accounts receivable. One of the main benefits of this kind of financing is that your business credit rating and your personal credit rating will not be affected. In the event that your business fails, you would not have to be concerned about someone coming after your personal or your business assets in order to pay off a loan. The debt goes onto your credit report with a bank loan, with only one missed payment adversely affecting your business credit: it would also affect your ability to secure insurance, and may reflect on your personal credit rating as well.

 

2. There's no collateral required. Another benefit of using a Trucking Factoring company instead of a traditional loan is that you are not required to provide collateral to the Trucking Factoring company in order to secure financing, because the company �buys� the accounts receivables; not loans you money based on them. In addition, while the Trucking Factoring company does run a credit check on your customers whose accounts receivables are offered for financing, the state of your credit is not an issue. This makes it easier for fledgling businesses to get the financing they need through a Trucking Factoring company (as long as their accounts receivables are in good order) then from a bank, who may not feel that you have been in business long enough to be worth the risk of issuing you a loan.

 

3. You'll receive the money faster. With a Trucking Factoring company you can actually get the money you need faster. The money will normally be in your account within 24 hours, once the Trucking Factoring company is confident that your customers� accounts are likely to be paid. With a bank, there are vast amounts of paperwork, then the loan has to be underwritten, which can take months before you actually see the loan if it is approved.

 

4.Interest is Paid Up Front. With a bank loan interest continues to build, and this has to be paid the whole time you have a business loan; however with a Trucking Factoring company there is no interest - they take it right off the top by deducting it from the total amount of receivable accounts. So you do not have to worry about monthly loan repayments, and you do not have to worry about the amount of interest payable, because all the money in the account is yours to spend.

 

As you can see, there are several benefits that makes considering financing through a Trucking Factoring company over a traditional bank worthwhile. However, there are also a couple of other benefits that a factory company can offer your business is far beyond the scope of the bank. The main benefit is that once you've sold your accounts receivable to the Trucking Factoring company, you are free from having to collect money owed by your customers. The Trucking Factoring company takes over that chore, since it is now their money to collect. Trucking Factoring companies are very efficient at debt collecting, and this frees up your valuable time to devote to running your company.

 

In addition, since the Trucking Factoring company evaluates the credit quality of your customers prior to purchasing the accounts receivable you gain valuable information into which customers are likely to pay and which ones are not so likely to pay.A Trucking Factoring company is not the only method of gaining access to finance for the running and growing of your business, however it does offer a financing option well worth considering.

 

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