Note: The following post is sponsored.
Although this post is more aimed at businesses, people can certainly identify with it. People that owe you money, but that doesn't equal money. Especially the way the folks at Visa, the grocery, Wal-Mart, etc. see it. Having someone owe you doesn't impress them a bit. That can be more of a problem for businesses. They need to keep an eye on their cash flow to ensure that the day-to-day operations of their business continues as planned. Accounts receivable aren't necessarily seen as a liquid asset.
That's why a lot of businesses are looking at account receivable factoring. Basically, you can trade your account receivables for the cash you need to continue your business, and let them worry about the collecting.