Aware that international factoring plays an important role in the development of international trade, this is a very important part of the factoring agreement, as this is the whole reason for the use of invoicing as a financing option. With technological progress, some billing providers have adapted to certain sectors. This often concerns additional services offered by the factor in order to best adapt the factoring service to the needs of the company. An example of this is a recruitment specialist factor that offers the pay slip and back office support with the factoring function. A wholesale and/or distribution factor may not offer this additional service. These differences may affect the cost of the facility, the approach to the credit collection factor, the administrative services included in the facility and the maximum size of invoices that can be taken into account. Governments have been latecomers in facilitating factor-financed trade. English customary law initially decided that the assignment between the seller of invoices and the postman was not valid unless the debtor had been informed. The legislation of the Canadian federal government governing the allocation of the funds it owes still reflects this attitude, as does the legislation of the provincial government that imitated it. Over the course of the current century, the courts have heard arguments that the assignment is not valid without the advice of the debtor.

In the United States, the majority of national governments had adopted until 1949 a rule that the debtor did not need to be informed, opening up the possibility of factoring non-notification agreements. [26] Spot Factoring or Single Invoice Discounting is an alternative to the “Whole Ledger” and allows a company to give a single invoice. The added flexibility for the business and the lack of predictable volume and minimum monthly requirements for factoring providers means that spot factoring transactions typically come with a cost premium. .