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Boston (pronounced i/'b?st?n/) is the capital and largest city of the Commonwealth of Massachusetts in the United States. Boston also serves as county seat of Suffolk County. The largest city in New England, the city proper, covering 48 square miles (124 km2), had an estimated population of 645,966 in 2014, making it the 24th largest city in the United States. The city is the anchor of a substantially larger metropolitan area called Greater Boston, home to 4.5 million people and the tenth-largest metropolitan area in the country. Greater Boston as a commuting region is home to 7.6 million people, making it the sixth-largest Combined Statistical Area in the United States.One of the oldest cities in the United States, Boston was founded on the Shawmut Peninsula in 1630 by Puritan settlers from England. It was the scene of several key events of the American Revolution, such as the Boston Massacre, the Boston Tea Party, the Battle of Bunker Hill, and the Siege of Boston. Upon American independence from Great Britain, the city continued to be an important port and manufacturing hub, as well as a center for education and culture. Through land reclamation and municipal annexation, Boston has expanded beyond the original peninsula. Its rich history helps attract many tourists, with Faneuil Hall alone attracting over 20 million visitors. Boston's many firsts include the United States' first public school, Boston Latin School (1635), and first subway system (1897).The area's many colleges and universities make Boston an international center of higher education and medicine, and the city is considered to be a world leader in innovation for a variety of reasons. Boston's economic base also includes finance, professional and business services, and government activities. The city has one of the highest costs of living in the United States, though it remains high on world livability rankings. Boston is one of the eight cities in the United States considered an 'alpha city' by the study GaWC5.A global city, Boston is placed among the top 30 most economically powerful cities in the world. Encompassing $363 billion, the Greater Boston metropolitan area has the sixth-largest economy in the country and 12th-largest in the world.

 

Worcester (/'w?st?r/ WUUSS-t?r, locally also /'w?st?/ WISS-t?) is a city and the county seat of Worcester County, Massachusetts, United States. Named after Worcester, England, as of the 2010 Census the city's population was 181,045, making it the second largest city in New England after Boston. Worcester is located appimately 40 miles (64 km) west of Boston, and 38 miles (61 km) east of Springfield. Due to its location in Central Massachusetts, amidst Massachusetts' major metropolitan regions, Worcester is known as the ""Heart of the Commonwealth"", thus, a heart is the official symbol of the city. However, the heart symbol may also have its provenance in lore that Valentine's Day cards were invented in the city.Worcester was considered its own region for centuries; however, with the encroachment of Boston's suburbs in the 1970s after the construction of Interstate 495 and Interstate 290, it now marks the western periphery of the Boston-Worcester-Providence (MA-RI-NH) U.S. Census Combined Statistical Area (CSA), or Greater Boston. The city features many examples of Victorian-era mill architecture.By the mid-19th century Worcester was one of the largest manufacturing centers in New England. The city�s large industries specialized in machinery, wire production, and power looms. And although manufacturing has largely declined, the city still maintains large manufactures Abrasives, which was bought by bain in 1990, Company. The David Clark Company pioneered aeronautical equipment including anti-gravity suits and noise attenuating headsets.

 

Springfield is a city in Western New England, and the seat of Hampden County, Massachusetts, United States. Springfield sits on the eastern bank of the Connecticut River near its couence with three rivers; the western Westfield River, the eastern Chicopee River, and the eastern Mill River. As of the 2010 Census, the city's population was 153,060. Metropolitan Springfield, as one of two metropolitan areas in Massachusetts (the other being Greater Boston), had an estimated population of 698,903 as of 2009.The first Springfield in the New World, it is the largest city in Western New England, and the urban, economic, and cultural capital of Massachusetts' Connecticut River Valley (colloquially known as the Pioneer Valley). It is the third-largest city in Massachusetts and fourth-largest in New England, after Boston, Worcester, and Providence, Rhode Island. Springfield has several nicknames � The City of Firsts, because of its many innovations (see below for a partial list); The City of Homes, due to its Victorian residential architecture; and Hoop City, because basketball - one of the world's most popular sports - was invented in Springfield.Hart, the State of Connecticut's capital city, lies only 23.9 miles (38 km) south of Springfield, on the western bank of the Connecticut River. Bradley International Airport, which sits 12 miles (19 km) south of Metro Center Springfield, is Hart-Springfield's airport. The Hart-Springfield region is known as the Knowledge Corridor because it hosts over 160,000 university students and over 32 universities and liberal arts colleges � the second-highest concentration of higher-learning institutions in the United States. The City of Springfield itself is home to Springfield College; Western New England University; American International College; and Springfield Technical Community College, among other higher educational institutions.Springfield's Top Five Industries (in order, by number of workers) are: Trade and Transportation; Education and Health Services; Manufacturing; Tourism and Hospitality; and Government. Springfield is considered to have a ""mature economy,"" which protects the city to a degree during recessions and inhibits it somewhat during bubbles. Springfield is considered to have one of America's top emerging multi-cultural markets � the city features a 33% Latino population with buying power that has increased over 295% from 1990 to 2006. More than 60% of Hispanic Springfielders have arrived during the past 20 years.

 

Lowell is a city in Middlesex County, Massachusetts, in the United States. With an estimated population of 108,861, it is the fourth-largest city in Massachusetts, after Boston, Worcester, and Springfield, and the second-largest in what the U.S. Census Bureau defines as Boston's metropolitan area.Incorporated in 1826, Lowell became known as the cradle of the American Industrial Revolution, and many of the city's historic sites have been preserved by the National Park Service. Lowell is home to the University of Massachusetts Lowell, a Carnegie-classified research university and the second largest public university in Massachusetts. Along with Cambridge, Lowell is one of Middlesex County's county seats.

 

Cambridge is a city in Middlesex County, Massachusetts, United States, in the Boston metropolitan area, situated directly north of the city of Boston proper, across the Charles River. It was named in honor of the University of Cambridge in England, an important center of the Puritan theology embraced by the town's founders.:18 Cambridge is home to two of the world's most prominent universities, Harvard University and the Massachusetts Institute of Technology. Cambridge has also been home to Radcliffe College, once one of the leading colleges for women in the United States before it merged with Harvard. According to the 2010 Census, the city's population was 105,162. It is the fifth most populous city in the state, behind Boston, Worcester, Springfield, and Lowell.[not in citation given] Cambridge was one of the two seats of Middlesex County prior to the abolition of county government in 1997; Lowell was the other.Manufacturing was an important part of the economy in the late 19th and early 20th century, but educational institutions are the city's biggest employers today. Harvard and MIT together employ about 20,000.[75] As a cradle of technological innovation, Cambridge was home to technology firms s Development Corporation (now part of IBM), Polaroid, Symbolics, and Thinking Machines.

 

New Bedford is a city in Bristol County, Massachusetts, United States. As of the 2010 census, the city had a total population of 95,072, making it the sixth-largest city in Massachusetts. New Bedford is nicknamed ""The Whaling City"" because during the 19th century, the city was one of the most important, if not the most important, whaling ports in the world, along with Nantucket, Massachusetts and New London, Connecticut. The city, along with Fall River and Taunton, make up the three largest cities in the South Coast region of Massachusetts. The Greater Providence-Fall River-New Bedfordarea is home to the largest Portuguese-American community in the United States.The economy of the Pilgrim settlement in the New Bedfordarea was initially based around a few farming and fishing villages. The early Bed Village quickly became a commercial zone and from there became a major whaling and foreign trade port. In the early 18th century, the Russell family purchased this area and developed it into a larger village (Joseph Russell III having made the most significant contributions). Age of Sail ships built in New Bedfordinclude the schooner Caroline and whaleship Charles W. Morgan. By the 18th century, entrepreneurs in the area, such as whaling merchants from Nantucket, were attracted to the village and helped make it into one of the top whaling cities in the country. The most significant of these merchants was Joseph Rotch, who bought 10 acres (four hectares) of land in 1765 from Joseph Russell III on which he and his sons ran the family business. Rotch moved his business to New Bedfordsince it would be better for refining whale oil and manufacturing candles made from whales. As these parts of the whaling industry had been monopolized by a merchant cartel in Boston, Newport, Rhode Island, and Providence, Rhode Island, Rotch felt that it would be better for business to handle these himself by moving to the mainland.

 

Brockton is a city in Plymouth County, Massachusetts, United States; the population was 93,810 in the 2010 Census. Brockton, along with Plymouth, are the county seats of Plymouth County. Brockton is the seventh largest city in Massachusetts and is sometimes referred to as the ""City of Champions"", due to the success of native boxers Rocky Marciano and Marvin Hagler, as well as its successful Brockton High School sports programs. Two of the villages within the city are Montello and Campello, both have the distinction of having their own MBTA Commuter Rail Stations and post offices. Campello is the smallest neighborhood in the city, but the most populous. Brockton hosts a baseball team, the Brockton . Brockton is one of the windiest cities in the United States, with an average wind speed of 14.3 mph.

 

Quincy (pronounced /'kw?nzi/ KWIN-zee) is a city in Norfolk County, Massachusetts, United States. It is a major part of Metropolitan Boston, and is Boston's immediate southern suburb. Its population in 2010 was 92,271, making it the 8th largest city in the state. Known as the ""City of Presidents,"" Quincy is the birthplace of two U.S. Presidents � John Adams and his son John Quincy Adams � as well as John Hancock, a President of the Continental Congress and the first signer of the Declaration of Independence.First settled in 1625, Quincy was briefly part of Dorchester and Boston before becoming the north precinct of Braintree in 1640. In 1792, Quincy was split off from Braintree; the new town was named after Colonel John Quincy, maternal grandfather of Abigail Adams and after whom John Quincy Adams was also named. Quincy became a city in 1888.For more than a century, Quincy was home to a thriving granite industry; the city was also the site of the Granite Railway, the United States' first commercial railroad. Shipbuilding, at the Fore River Shipyard, was another key part of the city's economy. In the 20th century, .During its history Quincy has been known as a manufacturing and heavy industry center, with granite quarrying dominating employment in the 19th century and shipbuilding at Fore River Shipyard and Squantum Victory Yard rising to prominence in the 20th century. The recent decades have seen a shift in focus to several large employers in the financial services, insurance and health care sectors of the economy.[40] Quincy is the location of the corporate headquarters of several firmsiot Ledger, publisher the South Shore's largest regional newspaper.[44]

 

Lynn is a city in Essex County, Massachusetts, United States. The population was 90,329 at the 2010 census. An old industrial center, Lynn is home to Lynn Beach and Lynn Heritage State Park and is about 10 miles (16 km) north of downtown Boston. It is the largest city in Essex County.

 

Fall River is a city in Bristol County, Massachusetts, United States. Fall River's population was 88,857 at the 2010 census, making it the tenth largest city in the state.Located along the eastern shore of Mount Hope Bay at the mouth of the Taunton River, the city became famous during the 19th century as the leading textile manufacturing center in the United States. While the textile industry has long since moved on, its impact on the city's culture and landscape remains to this day. Fall River's official motto is ""We'll Try,"" dating back to the aftermath of the Great Fire of 1843. It is also nicknamed ""the Scholarship City"" because Dr. Irving Fradkin founded Dollars for Scholars here in 1958.Fall River is well known for Lizzie Borden, Portuguese culture, its numerous 19th century textile mills and Battleship Cove, the world's largest collection of World War II naval vessels and the home of the USS Massachusetts (BB-59). Fall River is also the only city in the United States to have its city hall located over an interstate highway.Fall River was the only city on the East Coast of the United States to have had an exposed waterfall falling in part of its downtown area flowing less than a half mile into a sheltered harbor at the edge of downtown. Fall River was and is unique for the fact that it has two large lakes (originally one lake) along with a large portion of protected woodlands on the eastern part of the city, which is higher in elevation, with the Quequechan River draining out of the ponds and flowing 2.5 miles through the heart of the city, emptying out an estimated 26 million gallons a day into the deep Mount Hope Bay/ Taunton River estuary in the western part of the city. The Quequechan River once flowed through downtown unrestricted providing great waterpower potential for the mills and finally in the last half mile of its length down a series of eight steep waterfalls falling 128 feet, into the Taunton River at the head of the deep Mount Hope Bay. Fall River is one of the few places on the east coast of the United States to have such special and rare features in its geography, along with the natural Fall River granite quarried there. The Quequechan River's enormous waterpower potential and natural granite helped form and shape Fall River into the city it is today.

 

Newton is a suburban city in Middlesex County, Massachusetts, United States. It is appimately 7 miles (11 km) west of downtown Boston and is bordered by Boston's Brighton neighborhood and the suburb of Brookline to the east, the suburb of Watertown to the north, and Wellesley and Needham to the west. Rather than having a single city center, Newton is a patchwork of thirteen villages. According to the 2010 U.S. Census, the population of Newton was 85,146, making it the eleventh largest city in the state.Newton's pimity to Boston along with its historic homes, good public schools, and safe and quiet neighborhoods make it a desirable community for those who commute to Boston. Newton is served by three modes of mass transit run by the MBTA: light rail, commuter rail, and bus service.Newton has consistently ranked as one of the best cities to live in in the country. In August 2012, Money magazine named Newton fourth best small city among places to live in America.Newton was settled in 1630 as part of ""the newe towne"", which became Cambridge in 1638; it became its own town in 1688. There are several historical sites of interest in the Newton area. These include Crystal Lake (which is fronted by several historical homes), the East Parish and West Parish Burying Grounds, and the Jackson Homestead, which now houses the Newton History Museum. Historian and local resident Diana Muir has written about the history surrounding Bullough's Pond; a scene from the 2008 production of The Women was also filmed there.Newton's largest employers include Boston College and Newton-Wellesley Hospital. travel site, reaching nearly 280 million unique monthly visitors.[93]

 

Location in Essex County in MassachusettsLawrence is a city in Essex County, Massachusetts, United States on the Merrimack River. According to the 2010 U.S. Census, the city had a total population of 76,377. Surrounding communities include Methuen to the north, Andover to the southwest, and North Andover to the southeast. It and Salem are the county seats of Essex County. Lawrence is also part of the Merrimack Valley.Manufacturing products of the city include electronic equipment, textiles, footwear, paper products, computers, and foodstuffs. Lawrence was the residence of Robert Frost for his early school years; his first essays and poems were published in the Lawrence High School Bulletin.New has a shoe manufacturing plant in Lawrence, one of five plants operating in the US.[51]

 

Somerville /'s?m?rv?l/ is a city in Middlesex County, Massachusetts, United States, located two miles northwest of Boston. As of 2010[update], the United States Census has the city with a total population of 75,754 people, and is the most densely populated municipality in New England. As of 2000[update], it was the 15th most densely populated city in the country. Somerville was established as a town in 1842, when it was separated from Charlestown. In 2006, the town was named the best run city in Massachusetts by the Boston Globe. In 1972 and again in 2009, the city received the All-America City Award.According to Somerville's 2013 Comprehensive Annual Financial Report, the top employers in the city are:[57]

 

Framingham is a town in Middlesex County, Massachusetts, United States. The population was 68,318 as of the United States 2010 Census. Founded in 1700, Framingham was placed at # 36 on 'Best Places to Live in US' by CNN Money magazine in 2012.

 

Haverhill (/'he?vr?l/ HAY-vril) is a city in Essex County, Massachusetts, United States. The population was 60,879 at the 2010 census.Located on the Merrimack River, it began as a farming community of Puritans, largely from Newbury Plantation. The land was officially purchased from Pentucket Indians on November 15, 1642 (a year after incorporation) for three pounds, ten shillings. Pentucket was renamed Haverhill and would evolve into an important industrial center, beginning with sawmills and gristmills run by water power. In the 18th and 19th century, Haverhill developed woolen mills, tanneries, shipping and shipbuilding. The town was for many decades home to a significant shoe-making industry. By the end of 1913, one tenth of the shoes produced in the United States were made in Haverhill, and because of this the town was known for a time as the ""Queen Slipper City"". The city was also known for the manufacture of hats.

 

Waltham is a city in Middlesex County, Massachusetts, United States, and was an early center for the labor movement as well as a major contributor to the American Industrial Revolution. The original home of the Boston Manufacturing Company, the city was a prototype for 19th century industrial city planning, spawning what became known as the Waltham-Lowell system of labor and production. The city is now a center for research and higher education, home to Brandeis University and Bentley University. The population was 60,636 at the census in 2010.Waltham is commonly referred to as Watch City because of its association with the watch industry. Waltham Watch Company opened its factory in Waltham in 1854 and was the first company to make watches on an assembly line. It won the gold medal in 1876 at the Philadelphia Centennial Exposition. The company produced over 35 million watches, clocks and instruments before it closed in 1957.ogy company StudentUniverse, research and development organization Education Development Center, Inc. (EDC), and the marketing firm Constant Contact. Retail activity is concentrated on Main Street, Moody Street, Lexington Street, River Street, parts of Route 60, and the First Avenue area. A new shopping complex on Main Street was recently completed. New development has also been active at a former Polaroid site.[32]

 

Malden is a city in Middlesex County, Massachusetts, United States. At the time of the 2010 United States Census, the population was at 59,450 people. In 2009, Malden was named the ""Best Place to Raise Your Kids"" in Massachusetts by Bloomberg Businessweek.

 

Brookline /'br?k?l?n/, /'br?k?la?n/ is a town in Norfolk County, Massachusetts, in the United States, and is a part of Greater Boston. Brookline borders six of Boston's neighborhoods: Brighton, Allston, Fenway-Kenmore, Mission Hill, Jamaica Plain, and West bury. The city of Newton lies to the west of Brookline. At the 2010 census, the population of the town was 58,732. Brookline was first settled in 1638 as a hamlet in Boston, but was incorporated as a separate town in 1705.

 

Plymouth /'pl?m??/ (historically known as Plimouth and Plimoth) is a town in Plymouth County, Massachusetts, United States. Plymouth holds a place of great prominence in American history, folklore and culture, and is known as ""America's Hometown."" Plymouth was the site of the colony founded in 1620 by the Pilgrims, passengers of the famous ship the Mayflower. Plymouth is where New England was first established. It is the oldest municipality in New England and one of the oldest in the United States. The town has served as the location of several prominent events, the most notable being the First Thanksgiving feast. Plymouth served as the capital of Plymouth Colony from its founding in 1621 until the colony's merger with the Massachusetts Bay colony in 1691.[6] Plymouth is named after Plymouth, South West England, United Kingdom.Plymouth is the largest municipality in Massachusetts by area. The population is 56,468 according to the 2010 U.S. Census. Plymouth is one of two county seats of Plymouth County, the other being Brockton.Plymouth is located appimately 40 miles (64 km) south of Boston in a region of Massachusetts known as the South Shore. Throughout the 19th century, the town thrived as a center of ropemaking, fishing, and shipping, and once held the world's largest ropemaking company, the Plymouth Cordage Company. While it continues to be an active port, today the major industry of Plymouth is tourism. Plymouth is served by Plymouth Municipal Airport, and contains Pilgrim Hall Museum, the oldest continually operating museum in the United States.As one of the country's first settlements, Plymouth is well known in the United States for its historical value. The events surrounding the history of Plymouth have become part of the mythology of the United States, particularly those relating to Plymouth Rock, the Pilgrims and the First Thanksgiving. The town itself is a popular tourist spot during the Thanksgiving holiday. Plymouth is home to the Old Colony Club, one of the oldest Gentlemen's clubs in the world.Plymouth is an economic and tourism center of the South Shore. The major industry is tourism, with healthcare, technical and scientific research, real estate, and telecommunications also being primary industries. The largest employer in the town is Jordan Hospital.

 

Med is a city in Middlesex County, Massachusetts, in the United States, on the Mystic River, five miles northwest of downtown Boston. In the 2010 U.S. Census, Med's population was 56,173. It is the home of Tufts University.

 

Taunton is a city in Bristol County, Massachusetts, United States, located appimately 40 miles (64 km) south of Boston, 18 miles (29 km) east of Providence, 10 miles (16 km) north of Fall River, 20 miles (32 km) north of New Bed, and 25 miles (40 km) west of Plymouth. It is the seat of Bristol County. Taunton is situated on the Taunton River which winds its way through the city on its way to Mount Hope Bay, 10 miles (16 km) to the south. At the 2010 census, the city had a population of 55,874. The current mayor is Thomas Hoye, Jr.Founded in 1637 by members of the Plymouth Colony, Taunton is one of the oldest towns in the United States. The native Americans called the region Cohannet, Tetiquet and Titicut before the arrival of the Europeans. Taunton is also known as the ""Silver City"", as it was an historic center of the silver industry beginning in the 19th century when companies such as Reed , F. B. Rogers, Poole Silver, and others produced fine-quality silver goods in the city.Since December 1914, the city of Taunton has provided a large annual light display each December on Taunton Green, giving it the additional nickname of ""Christmas City"".The original boundaries of Taunton included the land now occupied by many surrounding towns, including Norton, Easton, Mansfield, Dighton, Raynham, and Berkley. Possession of the latter is still noted by the naming of Taunton Hill in Assonet.Taunton's economy has historically been based on silversmithing and shipbuilding. Reed produced the 1996 Summer medals and silverware used exclusively for the White House. Also, the city produced the anchor for the USS Constitution. The nearby town of Raynham produced the ancho"

"

Massachusetts' highest award in the arts, humanities, and sciences. In 2010, the Financial Times proclaimed Pittsfield the ""Brooklyn of the Berkshires"", in an article covering its recent renaissance.In 2012, the city was listed among the 10 best places for single people to retire in the U.S. by , due to the high number of single older residents and higher likelihood of finding companionship or a partner.

 

Attleboro is a city in Bristol County, Massachusetts, United States. It was once known as ""The Jewelry Capital of the World"" for its many jewelry manufacturers. According to the 2010 census, Attleboro had a population of 43,593 in 2010.Attleboro is located about 10 miles (16 km) west of Taunton, the same distance to Providence, 18 miles (29 km) northwest of Fall River, and 39 miles (63 km) south of Boston.

 

Arlington is a town in Middlesex County, Massachusetts, United States, six miles (10 km) northwest of Boston. The population was 42,844 at the 2010 census.

 

Everett is a city in Middlesex County, Massachusetts, United States, near Boston. The population was 41,667 at the time of the 2010 United States Census.Everett is the last city in the United States with a bicameral legislature, which is composed of a seven-member Board of Aldermen and an eighteen-member Common Council. On November 8, 2011, the voters approved a new City Charter that will change the City Council to a unicameral body with eleven members - six ward councilors and five councilors-at-large; an event that provoked an emotional response from many Everett residents. The new City Council will be elected at the 2013 City Election.

 

The City of Salem is a coastal city in Essex County, Massachusetts, in the United States. Located on the North Shore, Massacusetts, Salem is a New England bedrock of history and is considered one of the most significant seaports in Puritan American history.The City of Salem's reported population was 41,340 at the 2010 census. Salem and Lawrence were the county seats of Essex County prior to the abolishment of county government in 1999.The city is home to The House of Seven Gables, Salem State University, the Salem Willows Park, Forrest River Park, and the Peabody Essex Museum Salem is a residential and tourist area which includes the neighborhoods of Salem Neck, The Point, South Salem and North Salem, Witchcraft Heights, Pickering Wharf, and the McIntire Historic District (named after Salem's famous architect and carver, Samuel McIntire). Salem was one of the most significant seaports in early America.Featured notably in Arthur Miller's The Crucible, much of the city's cultural identity is reflective of its role as the location of the Salem witch trials of 1692: Police cars are adorned with witch logos, a local public school is known as the Witchcraft Heights Elementary School, the Salem High School athletic teams are named the Witches; and Gallows Hill, a site of numerous public hangings, is currently used as a playing field for various sports. Tourists know Salem as a mix of important historical sites and a vibrant downtown that has more than 60 restaurants, cafes and coffee shops. In 2012, the Retailers Association of Massachusetts chose Salem as the recipient of their inaugural ""Best Shopping District"" award.President on January 10, 2013 signed executive order HR1339 designating Salem as the birthplace of the U.S. National Guard.

 

Westfield is a city in Hampden County, in the Pioneer Valley of western Massachusetts, United States. Westfield was first settled in 1660. It is part of the Springfield, Massachusetts Metropolitan Statistical Area. The population was 41,094 at the 2010 census.

 

Leominster (/'l?m?nst?r/ LEM-?n-st?r) is a city in Worcester County, Massachusetts, United States. It is the second-largest city in Worcester County, with a population of 40,759 at the 2010 census. Leominster is located north of Worcester and west of Boston. Both Route 2 and Route 12 pass through Leominster. Interstate 190, Route 13, and Route 117 all have starting/ending points in Leominster. Leominster is bounded by Fitchburg and Lunenburg to the north, Lancaster to the east, Sterling and Princeton to the south, and Westminster to the west.As of 2000, the management and professional fields were the city's largest sector, and employed over 32% of Leominster's workforce. 26.8% of the workforce is employed in sales and office occupations, and 20.2% are employed in education, health and social services. Manufacturing constitutes 25.5% of the city's employees. 84.3% of workers commute alone to the workplace, and 9.1% carpool. 1.7% use public transportation and another 1.7% walk. The average one-way commute time is about 25 minutes.

 

Fitchburg is the third largest city in Worcester County, Massachusetts, United States. The population was 40,318 at the 2010 census. Fitchburg is home to Fitchburg State University as well as 17 public and private elementary and high schools.

 

Billerica i/b?l'r?k?/ is a town in Middlesex County, Massachusetts, United States. The population was 40,243 according to the 2010 census. It borrows its name from the town of Billericay in Essex, England.Billerica is governed through a representative town meeting. In this system, the town government is made up of a legislative branch and an executive branch.

 

Motto: Industria et Copia(Latin ""Industry and Abundance"") Website City of Holyoke, Massachusetts Holyoke is a city in Hampden County, Massachusetts, United States that lies between the western bank of the Connecticut River and the Mount Tom Range of mountains. As of 2012, the city had an estimated population of 40,135. Sitting eight miles north of the major city of Springfield, Holyoke is part of the Springfield Metropolitan Area, one of the two distinct metropolitan areas in Massachusetts.In recent years there have been successful efforts to attract high-tech jobs to Holyoke and diversify its economic base. For example, a coalition of universities and tech companies are building the Massachusetts Green High Performance Computing Center, an energy-efficient, high-performance computing center, in Holyoke, expected to open in 2012. T University of Massachusetts, Boston University,. The data center has been built in Holyoke in part due to hydropower accessibility.

 

Beverly, MassachusettsCity Post Office in 1919Location in Essex County in Massachusetts Massachusetts portal Beverly is a city in Essex County, Massachusetts, United States. The population was 39,502 at the 2010 census.A resort, residential, and manufacturing community on the Massachusetts North Shore, Beverly includes Beverly Farms and Prides Crossing. Beverly is a rival of Marblehead for the title of being the birthplace of the U.S. Navy. The city name is also the origin for the Los Angeles neighborhood of Beverly Hills.

 

Marlborough (often spelled Marlboro) is a city in Middlesex County, Massachusetts, United States. The population was 38,499 at the 2010 census. Marlborough became a prosperous industrial town in the 19th century and made the transition to high technology industry in the late 20th century after the construction of the Massachusetts Turnpike.Marlborough was declared a town in 1660. It later became a city because of the population size.Marlborough is home to numerous businesses, stores and restaurants.

 

Woburn /'wu?b?rn/ is a city in Middlesex County, Massachusetts, USA. The population was 38,120 at the 2010 census. Woburn is located 9 miles (14 km) north of Boston, Massachusetts, and just south of the intersection of I-93 and I-95.The Woburn Business Association (WBA) is a membership organization consisting of companies located in Woburn, Massachusetts. Memberships are also available to those firms who are situated elsewhere, but do business in Woburn. The purpose of the WBA is to promote and protect Business Interests in the City of Woburn and provide Networking Services for the Business Community.[21]

 

Amherst (i/'�m?rst/) is a town in Hampshire County, Massachusetts, United States in the Connecticut River valley. As of the 2010 census, the population was 37,819, making it the largest community in Hampshire County (although the county seat is Northampton). The town is home to Amherst College, Hampshire College, and the University of Massachusetts Amherst, three of the Five Colleges. The name of the town is pronounced without the h (""AM-erst""), giving rise to the local saying, ""only the 'h' is silent"", in reference both to the pronunciation and to the town's politically active populace.The communities of Amherst Center, North Amherst, and South Amherst are census-designated places.Amherst is part of the Springfield, Massachusetts Metropolitan Statistical Area. Lying 18 miles (28.9 km) northeast of the city of Springfield, Amherst is considered the northernmost town in the Hartford-Springfield Knowledge Corridor Metropolitan Region.

 

The Town of Braintree is a suburban city in Norfolk County, Massachusetts, United States. Although officially known as a town, Braintree adopted a municipal charter, effective 2008, with a mayor-council form of government and is considered a city under Massachusetts law. The population was 35,744 at the 2010 census. The town is part of the Greater Boston area with access to the MBTA Red Line and is a member of the Metropolitan Area Planning Commission's South Shore Coalition. The first and current mayor of Braintree is Joe Sullivan.

 

Shrewsbury is a town in Worcester County, Massachusetts, United States. Shrewsbury is an unusual New England town in that it was neither a mill town nor a farming village. Rather, it grew as a suburb to neighboring Worcester from the start, with visitors to Lake Quinsigamond.[citation needed] The population was 35,608 according to the 2010 US Census, in nearly 12,400 households.Incorporated in 1727, the town is governed now under the New England representative town meeting system, headed by the Town Manager and five-member elected Board of Selectmen whose duties include licensing, appointing various administrative positions, and calling a town meeting of citizens annually or whenever the need arises.

 

Chelsea is a city in Suffolk County, Massachusetts, United States, directly across the Mystic River from the city of Boston. As of 2013, Chelsea had an estimated population of 36,828. It is also the second most densely populated city in Massachusetts behind Somerville. Chelsea is the smallest city in Massachusetts in terms of land area, with a total area of 2.5 square miles (6.4 km2).Chelsea is a diverse, working-class community that contains a high-level of industrial activity. It is one of only three Massachusetts cities to have a majority Hispanic or Latino populations. After flirting with bankruptcy in the 1990s, the once struggling industrial city has reversed a prolonged decline and in recent years has enjoyed sustained economic growth. Thanks to its relative affordability and close proximity to Boston, Chelsea has added more than 1,200 homes since 2005, mostly loft-style apartments and condominiums suitable for small families or young professionals. There has also been significant office, retail and restaurant development throughout the city.According to Chelsea's 2012 Comprehensive Annual Financial Report,[25] the top employers in the city are:

 

Dartmouth, Massachusetts is a coastal New England town separated into two parts: North Dartmouth and South Dartmouth. Dartmouth itself is part of the Farm Coast New England comprising a chain of historic coastal villages, vineyards, and farms including Padanaram Village and Russell's Mills. It is celebrating its 350th birthday this 2014. It is also part of the Massachusetts South Coast (or SOCO). The local daily newspaper is South Coast Today and it's quarterly magazine is SOCO.North Dartmouth consists mostly of a large commercial district with a mall, movie theatre, many chain retail stores including a Barnes and Noble bookstore, and diverse restaurants. Cultural eateries include Portuguese, Indian, Italian, Thai, Chinese, with many standard American fare.It is landlocked as it does not abut any waterways, there are working farms including Silverbrook Community Sponsored Agriculuture (CSA) and Running Brook Vineyard and Winery (as well as Coastal Vineyards in South Dartmouth) which are both part of the Coastal Wine Tour. According to the 2010 US Census Bureau North Dartmouth has a population of 24,302 residents with a median household income of $82,403. It is served by the Dartmouth police department and has 3 elementary schools (Quinn, Potter, and Demello).South Dartmouth (zip code 02748) borders Buzzards Bay where a lively fishing and boating community thrives; off its coast is Martha's Vineyard and Cuttyhunk. The New Bedford Yacht Club in Padanaram hosts a bi-annual Regatta. With unique historic villages and selection of coastal real estate, it has for many generations been a summering community. Notable affluent sections within South Dartmouth are Nonquit, Round Hill, Padanaram Village, Barney's Joy, and Mishaum Point. Still it has its fair share of year round residents lending to thriving seasonal activities all year.Alderbrook Farm in Russell's Mills is open every day and has seasonal offerings, animals to pet, and an indoor market based on an honor system with a cash box. Each December the Padanaram Village Holiday Stroll takes place, where costumed elves on their ladders decorate the Main Street in lights and holly and the shops and eateries open into the late evening with fun events at each stop. According to the 2010 US Census Bureau South Dartmouth has a population of 11,320 residents with a median household income of $100,836. It is served by the Dartmouth police and fire department, and has 2 elementary schools (Demello and Cushman).Dartmouth is the third-largest town (by land area) in Massachusetts, after Plymouth and Middleborough. The distance from Dartmouth's northern most border with Freetown to Buzzards Bay in the south is approximately 16 miles (26 km).The villages of Hixville, Bliss Corner, Padanaram, Smith Mills, and Russells Mills are located within the town. Dartmouth shares borders with Westport to the west, Freetown and Fall River to the north, Buzzards Bay to the south, and New Bedford to the east with boat shuttles traveling multiple times daily to Martha's Vineyard and Cuttyhunk.

 

Chelmsford /'t??lmsf?rd/ is a town in Middlesex County, Massachusetts in the Greater Lowell area. As of the 2010 United States Census, the town's population was 33,802. Only 48.4% are male and the median age of residents in Chelmford is 39.2 years old. It is located 24 miles (39 km) northwest of Boston and, bordering on the city of Lowell, is part of the Greater Lowell metropolitan area. Besides Lowell on its northeast, Chelmsford is surrounded by five towns: Tyngsborough to the north, Tewksbury to the east, Billerica to the southeast, Carlisle to the south, and Westford to the west. Chelmsford is bordered by two sizable rivers: the Merrimack River to the north, and the Concord River to the east.Named after Chelmsford, England, the town was incorporated in May 1655 by an act of the Massachusetts General Court. When Chelmsford was incorporated, its local economy was fueled by lumber mills, limestone quarries and kilns. The Chelmsford militia played a role in the American Revolution at the Battle of Lexington and Concord and the Battle of Bunker Hill. The town's own Lieutenant Colonel Moses Parker had fought on the hill. He was wounded and captured. He died from his wounds on July 4th, 1775. The Lieutenant Colonel Moses Parker Middle School honors his name, and the lobby displays a representation of the man. The farming community of East Chelmsford was incorporated as Lowell in the 1820s; over the next decades it would go on to become one of the first large-scale factory towns in the United States because of its early role in the country's Industrial Revolution. Chelmsford experienced a drastic increase in population between 1950 and 1970, coinciding with the connection of U.S. Route 3 in Lowell to Massachusetts Route 128 in the 1950s and the extension of U.S. Route 3 from Chelmsford to New Hampshire in the 1960s.Chelmsford has a representative town meeting form of government. The current town manager is Paul Cohen. The town has one public high school � Chelmsford High School � as well as two middle schools, and four elementary schools. The charter middle school started in Chelmsford became a regional charter school (Innovation Academy Charter School) covering grades 5 through 12, now located in Tyngsborough. In 2011, Chelmsford was declared the 28th best place to live in the United States by Money magazine.

 

Andover is a town in Essex County, Massachusetts, United States. It was settled in 1642 and incorporated in 1646. As of the 2010 census, the population was 33,201. It is part of the Boston-Cambridge-Quincy, Massachusetts-New Hampshire metropolitan statistical area.Part of the town comprises the census-designated place of Andover.

 

Natick /'ne?t?k/ is a town in Middlesex County, Massachusetts, USA. Natick is located near the center of the MetroWest region of Massachusetts, with a population of 33,006 at the 2010 census. Only 15 miles (24 km) west from Boston, Natick is considered part of the Greater Boston area. The center of population of Massachusetts in 2000 was located in Natick.

 

The Town of Randolph is a city in Norfolk County, Massachusetts, United States. At the 2010 census, the town population was 32,158. Randolph adopted a new charter effective January 2010 providing for a council-manager form of government instead of the traditional town meeting. Randolph is one of fourteen Massachusetts municipalities that have applied for, and been granted, city forms of government but wish to retain ""The town of� in their official names.

 

Watertown is a city in Middlesex County, Massachusetts, United States. It is part of the Greater Boston area. The population was 31,915 at the 2010 census. Watertown is one of fourteen Massachusetts municipalities that have applied for, and been granted, city forms of government but wish to retain ""The town of� in their official names.Watertown's proximity to Cambridge and Boston, along with its diverse housing stock, good public schools and safe and quiet neighborhoods, make it a desirable community for families with children.Watertown is made up of six neighborhoods: Bemis, Brigham (Brigham Historic District), Coolidge Square, East Watertown, Watertown Square and the West End.Major employers based in Watertown include the Tufts Health Plan, the Perkins School for the Blind, Harvard Business Publishing, and athenahealth.[23]

 

The Town of Franklin is a city in Norfolk County, Massachusetts, US. Franklin is one of fourteen Massachusetts municipalities that have applied for, and been granted, city forms of government but wish to retain ""The town of� in their official names. As of 2012, the city's population was 33,092. It is home to the country's first library, with its first books donated by Benjamin Franklin. It also contains the largest Catholic parish in the Boston Archdiocese, St. Mary's Catholic church, with some 15,000 members.

 

Falmouth /'f�lm??/ is a town in Barnstable County, Massachusetts, United States; Barnstable County is coextensive with Cape Cod. The population was 31,532 at the 2010 census, making Falmouth the second-largest municipality on Cape Cod (behind only Barnstable). The terminal for the Steamship Authority ferries to Martha's Vineyard is located in the village of Woods Hole in Falmouth. Woods Hole also contains several scientific organizations such as the Woods Hole Oceanographic Institution, the Marine Biological Laboratory (MBL), the Woods Hole Research Center, National Marine Fisheries Aquarium, and the scientific institutions' various museums.For geographic and demographic information on specific parts of the town of Falmouth, please see the articles on East Falmouth, Falmouth Village, North Falmouth, Teaticket, West Falmouth, and Woods Hole. Falmouth also encompasses the villages of Hatchville and Waquoit, which are not census-designated places and fall within the village of East Falmouth based on postal service.

 

Lexington is a town in Middlesex County, Massachusetts, United States. The population was 31,394 at the 2010 census, in nearly 11,100 households. Settled in 1642, this town is famous for being the site of the first shot of the American Revolutionary War, in the Battle of Lexington on April 19, 1775, as the ""Shot heard round the world"" when news spread about the revolution. It is part of the Greater Boston Area and the sixth wealthiest small city in the United States.

 

Dracut /'dre?k?t/ is a town in Middlesex County, Massachusetts, United States. As of the 2010 census, the town population was 29,457. Dracut is primarily a suburban community, belonging to Greater Lowell and bordering southern New Hampshire. Additionally, it is in the northern portion of the Greater Boston metropolitan area, and geographically part of the Merrimack Valley.

 

Tewksbury is a town in Middlesex County, Massachusetts, United States. The population was 28,961 at the 2010 census.

 

Needham is a town in Norfolk County, Massachusetts, United States. A suburb of Boston, its population was 28,886 at the 2010 census. It is home to the Franklin W. Olin College of Engineering, an engineering school.Needham is primarily a bedroom community and commuter suburban district located outside of Boston.

 

Gloucester /'gl?st?r/ is a city on Cape Ann in Essex County, Massachusetts, in the United States. It is part of Massachusetts' North Shore. The population was 28,789 at the 2010 U.S. Census. An important center of the fishing industry and a popular summer destination, Gloucester consists of an urban core on the north side of the harbor and the outlying neighborhoods of Annisquam, Bay View, Lanesville, Folly Cove, Magnolia, Riverdale, East Gloucester and West Gloucester.Play mediaTour Boat GloucesterGorton's of Gloucester and Varian Semiconductor are among the companies based in Gloucester.

 

North Attleborough, commonly written North Attleboro, is a town in Bristol County, Massachusetts, United States. The population was 28,712 at the 2010 United States Census.The village of North Attleborough Center is located in the town.

 

Norwood is a town and census-designated place in Norfolk County, Massachusetts, United States. Norwood is part of the Greater Boston area. As of the 2010 census, the population was 28,602. The town was named after Norwood, England. Norwood is on the Neponset River, which runs all the way to Boston Harbor from Foxborough.

 

The city of Northampton (i/n?r'?�mpt?n/) is the county seat of Hampshire County, Massachusetts, United States. As of 2012, the estimated total population of Northampton (including its outer villages, Florence and Leeds) was 28,592. Northampton is part of the Pioneer Valley and is one of the northernmost cities in the Knowledge Corridor�a cross-state cultural and economic partnership with other Connecticut River Valley cities and towns.Today Northampton is known as an artistic, musical, and countercultural hub. It features a large politically liberal community along with numerous alternative health and intellectual organizations. Based on U.S. Census demographics, election returns, and other criteria, the website Epodunk rates Northampton as the most politically liberal medium-size city (population 25,000�99,000) in the United States.Northampton is considered part of the Springfield Metropolitan Area, one of Western Massachusetts's two separate metropolitan areas. It sits approximately 15 miles north of the City of Springfield, Massachusetts.

 

Agawam is a city in Hampden County, Massachusetts, United States. The population was 28,438 at the 2010 census. Agawam sits on the western side of the Connecticut River, directly across from Springfield, Massachusetts. It is considered part of the Springfield Metropolitan Statistical Area, which is contiguous with the Knowledge Corridor area, the 2nd largest metropolitan area in New England. Agawam contains a subsection, Feeding Hills.The Six Flags New England amusement park is located in Agawam, on the banks of the Connecticut River.Agawam's ZIP code of 01001 is the lowest number in the continental United States (not counting codes used for specific government buildings such as the IRS).

 

West Springfield is a city in Hampden County, Massachusetts, United States. It is part of the Springfield, Massachusetts Metropolitan Statistical Area. The population was 28,391 at the 2010 census. The city is also known as ""West Side"", in reference to the fact that it is on the western side of the Connecticut River from Springfield, a fact which played a major part in the town's early history.West Springfield is considered to be part of the Springfield-Hartford Knowledge Corridor.

 

North Andover is a town in Essex County, Massachusetts, United States. At the 2010 census the population was 28,352.

 

Milford is a town in Worcester County, Massachusetts, United States. It had a population of 27,999 at the 2010 census.For geographic and demographic information on the census-designated place Milford, constituting the center of the town, please see the article Milford (CDP), Massachusetts.Milford has been growing at a fast rate since the introduction of Interstate 495, which opened in the area with dual exits at Route 85 and Route 109 in 1969. Since then, major retailers have opened in town, including Kmart, Kohl's, Target, Lowe's, and Sports Authority. Other retailers which recently opened stores in Milford include . Milford was fictitiously featured in a 2008 episode of the Fox television series Fringe.

 

Wellesley /'w?lzli?/ is a town in Norfolk County, Massachusetts,"

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Wakefield is a town in Middlesex County, Massachusetts in the Greater Boston metropolitan area, incorporated in 1812 and located about 12.5 mi (20.1 km) north-northwest of Downtown Boston. The 73rd most populous municipality in Massachusetts, Wakefield's population was 24,932 at the 2010 census.

 

Reading (i/'r?d??/ RED-ing) is a town in Middlesex County, Massachusetts, United States, 10 miles (16 km) north of central Boston. The population was 24,747 at the 2010 census.

 

Belmont is a town in Middlesex County, Massachusetts, a suburb of Boston. It is part of the Boston metropolitan area. Its population was 24,729 at the 2010 census.

 

Dedham /'d?d?m/ is a town in and the county seat of Norfolk County, Massachusetts, United States. The population was 24,729 at the 2010 census. It is located on Boston's southwest border. On the northwest it is bordered by Needham, on the southwest by Westwood and on the southeast by Canton.The theater company and Amusements is based in Dedham. Dedham is also home to The Group, a regional mutual insurance company.

 

Burlington is a town in Middlesex County, Massachusetts, United States. The population was 24,498 at the 2010 census.

 

Walpole is a town in Norfolk County, Massachusetts, United States. It is located about 13 miles (21 km) south of Downtown Boston and 23.5 miles (37.8 km) north of Providence, Rhode Island. The population was 24,070 at the 2010 census. Walpole was first settled in 1659 and was considered a part of Dedham until officially incorporated in 1724. The town was named after Sir Robert Walpole, de facto first Prime Minister of Great Britain. Walpole has gained a reputation as a Republican stronghold in Massachusetts.

 

Yarmouth /'j?rm??/ is a town in Barnstable County, Massachusetts, United States, Barnstable County being coextensive with Cape Cod. The population was 23,793 at the 2010 census.The town is made up of three villages: South Yarmouth, West Yarmouth, and Yarmouth Port.

 

Mansfield is a town in Bristol County, Massachusetts, United States. As of the United States 2010 Census, the town population is 23,184. Mansfield is in the south-southwest suburbs of Boston and is also close to Providence, Rhode Island. The village of Mansfield Center is located in the town. The town is twinned with Mansfield in Nottinghamshire, England.

 

Middleborough is a town in Plymouth County, Massachusetts, United States. The population was 23,116 at the 2010 census.For geographic and demographic information on the village of Middleborough Center, please see the article Middleborough Center, Massachusetts.Middleborough is frequently written as Middleboro.In the summer of 2007, Middleborough became the proposed location for a controversial future resort casino, sponsored by the Wampanoag Tribe of Mashpee, Massachusetts.

 

Easton is a town in Bristol County, Massachusetts, United States. The population was 25,049 at the 2014 census.Easton is governed by an elected committee of selectmen and a town administrator.

 

Wilmington is a town in Middlesex County, Massachusetts, United States.

 

Hingham is a town in metropolitan Greater Boston on the South Shore of the U.S. state of Massachusetts in northern Plymouth County. At the 2010 census, the population was 22,157. Hingham is known for its colonial history and location on Boston Harbor. The town was named after Hingham, Norfolk, and was first settled by English colonists in 1633.According to the Town's 2009 Comprehensive Annual Financial Report, the top employers in the city are:

 

West is a town in Middlesex County, Massachusetts, United States. The population was 21,951 at the 2010 census.

 

Acton is a suburban town in Middlesex County, Massachusetts, United States about twenty-one miles west-northwest of Boston along Route 2 west of Concord and about ten miles (18 km) southwest of Lowell. The population was 21,929 at the 2010 census and ranked 35th on the list of highest-income places with a population of at least 10,000. It is bordered by West and Littleton to the north, Concord and Carlisle to the east, Stow, Maynard, and Sudbury to the south, and Boxborough to the west. Acton became an incorporated town in 1735. The town employs the Open Town Meeting form of government with a Town Manager and an elected, 5-member Board of Selectmen. Acton was named the 16th Best Place To Live among small towns in the country by Money Magazine in 2009 and in 2011. The local high school, Acton-Boxborough Regional High School, was named a Blue Ribbon School by the U.S. Department of Education in 2009.

 

Wareham is a town in Plymouth County, Massachusetts, United States. As of the 2010 census, the town had a population of 21,822.The town of Wareham includes a number of distinct recognized[who?] subsections, including Onset, Wareham Center, West Wareham, East Wareham, and Weweantic.Today, Wareham is mostly residential, although it still has a strong summer tourism industry. It has retail centers along Routes 6 and 28, including Wareham Crossing, opened in 2007.

 

Canton is a town in Norfolk County, Massachusetts, United States. The population was 21,561 at the 2010 census. Canton is part of Greater Boston, about 15 miles (24 kilometers) southwest of downtown Boston.

 

Stoneham is a town in Middlesex County, Massachusetts, nine miles north of downtown Boston. Its population was 21,437 at the 2010 census, and its proximity to highways and public transportation offer convenient access to Boston and the North Shore coastal region and beaches of Massachusetts.

 

Winchester is a town located in Middlesex County, Massachusetts, eight miles north of downtown Boston. It is a very affluent bedroom community for professionals who work in the greater Boston area. The population was 21,374 at the 2010 United States Census.

 

Ludlow is a town in Hampden County, Massachusetts, United States. The population was 21,103 as of the 2010 census, and it is considered part of the Springfield Metropolitan Statistical Area. Located just northeast of Springfield across the Chicopee River, it is one of the city's suburbs. It has a sizable and visible Portuguese community.

 

Sandwich /'s�ndw?t?/ is a town in Barnstable County, Massachusetts, United States. The population was 20,675 at the 2010 census. The Town Hall is located right next to the Dexter Grist Mill, in the historic district of town.The town motto is Post tot Naufracia Portus (Latin for ""after so many shipwrecks, a haven""). For more geographic and demographic information on specific parts of the town of Sandwich, please see the articles on East Sandwich, Forestdale, and Sandwich (CDP). The postal ZIP codes for the town are 02537, 02644, and 02563, respectively. It is the oldest town on Cape Cod. In 2014, Sandwich turned 375 years old.

 

Gardner is a city in Worcester County, Massachusetts, United States. The population was 20,228 at the 2010 census. Gardner is home to Dunn State Park, Gardner Heritage State Park, Lake Wampanoag Wildlife Sanctuary, and Mount Wachusett Community College.

 

Marblehead is a coastal New England town located in Essex County, Massachusetts. Its population was 19,808 at the 2010 census. It is home to the Marblehead Neck Wildlife Sanctuary, Crocker Park, the Marblehead Lighthouse and Devereux Beach. Archibald Willard's famous painting The Spirit Of '76 currently resides in Abbot Hall. A town with roots in both commercial fishing and yachting, Marblehead is the birthplace of the American Navy and Marine Corps Aviation and a popular yachting destination.

 

Bourne /'b?rn/ is a town in Barnstable County, Massachusetts, United States. The population was 19,754 at the 2010 census.For geographic and demographic information on specific parts of the town of Bourne, please see the articles on Bourne (CDP), Buzzards Bay, Monument Beach, Pocasset, Sagamore, and Sagamore Beach.

 

Hudson is a town in Middlesex County, Massachusetts, United States.Before its incorporation as a town in 1866, Hudson was a suburb of the neighboring Marlborough, Massachusetts, and was known as Feltonville. And before that Eastborough. From around 1850 until the last shoe factory burned down in 1968, Hudson was known as a ""shoe town."" At one point, the town had 17 shoe factories, many of them powered by the Assabet River, which runs through town. Because of the many factories in Hudson, immigrants were attracted to the town. Today, most people are of either Portuguese or Irish descent, with a smaller percentage of people being of French, Italian, English, or Scots-Irish descent. Hudson is served by the Hudson Public Schools district.For geographic and demographic information on the census-designated place Hudson, please see the article Hudson (CDP), Massachusetts.

 

Norton is a town in Bristol County, Massachusetts, United States, and contains the village of Norton Center. The population was 19,031 at the 2010 census. Home of Wheaton College, Norton hosts the Bank Championship as well as a tournament of the Tour held annually on the weekend preceding the Labor Day holiday at the Boston golf club.

 

Westborough is a town in Worcester County, Massachusetts, United States. The population was 18,272 at the 2010 census, in nearly 6,900 households. Incorporated in 1717, the town is governed now under the New England open town meeting system, headed by a five-member elected Board of Selectmen whose duties include licensing, appointing various administrative positions, and calling a town meeting of citizens annually or whenever the need arises.

 

Somerset is a town in Bristol County, Massachusetts, United States. The population was 18,165 at the 2010 census. It is the birthplace and hometown of Clif Milburn Holland (1883�1924), the chief engineer and namesake of the Holland Tunnel in New York City.

 

Scituate (i/'s?t?u??t/) is a seacoast town in Plymouth County, Massachusetts, United States, on the South Shore, midway between Boston and Plymouth. The population was 18,133 at the 2010 census.For geographic and demographic information on the village of North Scituate, which is a part of Scituate, please see the article North Scituate, Massachusetts.

 

Pembroke is a town in Plymouth County, Massachusetts, United States. The population was 17,837 at the 2010 census.The southwestern section of Pembroke is also known as Bryantville. For geographic and demographic information on the village of North Pembroke, please see the article North Pembroke, Massachusetts.

 

Grafton is a town in Worcester County, Massachusetts, United States. The population was 17,765 at the 2010 census, in nearly 5,700 households. Incorporated in 1735, Grafton is the home of a Nipmuc village known as Hassanamisco Reservation, the Willard House and Clock Museum, Community Harvest Project, and the Tufts University Cummings School of Veterinary Medicine. Grafton consists of the North Grafton, Grafton, and South Grafton geographic areas, each with a separate zip code. Grafton also operates the state's largest On-Call Fire Department, with 74 members.

 

Concord is a town in Middlesex County, Massachusetts, in the United States. At the 2010 census, the town population was 17,668. The United States Census Bureau considers Concord part of Greater Boston.Concord is notable for playing a significant role in American history and literature.

 

Sudbury is a town in Middlesex County, Massachusetts, United States. At the 2010 census, it had a population of 17,659. The town, located in Boston's MetroWest, has a rich colonial history.

 

Sharon is a town in Norfolk County, Massachusetts, United States. The population was 17,612 at the 2010 census. Sharon is part of Greater Boston, about 17 miles (27 km) southwest of downtown Boston.

 

South Hadley (i/'h�dli?/, HAD-lee) is a town in Hampshire County, Massachusetts, United States. The population was 17,514 at the 2010 census. It is part of the Springfield, Massachusetts Metropolitan Statistical Area.South Hadley is home to Mount Holyoke College, South Hadley High School, Pioneer Valley Performing Arts Charter Public School, and the Berkshire Hills Music Academy.

 

The Town of Winthrop is a city in Suffolk County, Massachusetts, United States. The population was 17,497 at the 2010 census. Winthrop is an ocean-side suburban community in Greater Boston situated at the north entrance to Boston Harbor, close to Logan International Airport. It is located on a peninsula, 1.6 square miles (4.2 km2) in area, connected to Revere by a narrow isthmus and to East Boston by a bridge over the harbor inlet to the Belle Isle Marsh Reservation. Settled in 1630, Winthrop is one of the oldest communities in the United States. It is also one of the smallest and most densely populated municipalities in Massachusetts. It is one of the four cities in Suffolk County (the others are Boston, Revere, and Chelsea). It is the southernmost part of the North Shore, with a 7-mile (11 km) shoreline that provides views of the Atlantic Ocean to the east and of the Boston skyline to the west.In 2005, the Town of Winthrop voted to change its governance from a representative town meeting adopted in 1920 to a council-manager form of government. Under Massachusetts law, as of 2006 when the new Town Charter took effect, Winthrop became a city. However, it is one of 14 cities in Massachusetts that choose to remain known as a 'town.' It is therefore referred to as a 'town' in this article.

 

Rockland is a town in Plymouth County, Massachusetts, United States. The population was 17,489 at the 2010 census. As of December 31, 2009, there were 11,809 registered voters in the community.The town serves as the headquarters for several companies:

 

Greenfield is a city in Franklin County, Massachusetts, United States. Greenfield was first settled in 1686. The population was 17,456 at the 2010 census. It is the county seat of Franklin County. Greenfield is home to Greenfield Community College, the Pioneer Valley Symphony Orchestra, and the Franklin County Fair. The city has a Main Street Historic District containing fine examples of Federal, Greek Revival, and Victorian architecture.Greenfield is part of the Springfield, Massachusetts, Metropolitan Statistical Area.

 

Newburyport is a small, coastal city in Essex County, Massachusetts, United States, 35 miles (56 km) northeast of Boston. The population was 17,416 at the 2010 census. A historic seaport with a vibrant tourism industry, Newburyport includes part of Plum Island. The mooring, winter storage and maintenance of recreational boats, motor and sail, still contribute a large part of the city's income. A Coast Guard station oversees boating activity, especially in the swift tidal currents of the Merrimack River.At the edge of the Newbury Marshes, delineating Newburyport to the south, an industrial park provides a wide range of jobs. Newburyport is on a north-south highway, Interstate 95. The outer circumferential highway of Boston, Interstate 495, passes nearby in Amesbury. The Newburyport Turnpike (U.S. Route 1) still traverses Newburyport on its way north. The commuter rail line to Boston ends in a new station at Newburyport. The earlier Boston and Maine Railroad leading further north was discontinued, but a portion of it has been converted into a recreation trail.

 

Holden is a town in Worcester County, Massachusetts, United States. The town was founded in 1741, and the Town Square (center) was donated by John Hancock, former Governor of Massachusetts.The population was 17,346 at the 2010 census.

 

Foxborough is a town in Norfolk County, Massachusetts, United States, approximately 22 miles (35 km) southwest of Boston and 18 miles (29 km) northeast of Providence, Rhode Island. The population was 16,865 at the 2010 census. The town is best known as the site of Gillette Stadium, home of the of the and the New England of League Soccer. ""Foxborough"" is the official spelling of the town name, although the alternative spelling ""Foxboro"" is also frequently used. This alternative spelling is used by the United States Postal Service as the correct form by which to address mail to recipients in the town although both can be processed by their system. The sign on the post office reads ""Foxboro.""For geographic and demographic information on the census-designated place Foxborough, please see the article Foxborough (CDP), Massachusetts.

 

Webster is a town in Worcester County, Massachusetts, United States. The population was 16,767 at the 2010 census.The Commerce Insurance Group is based in Webster.

 

The Town of Southbridge is a city in Worcester County, Massachusetts, United States. The population was 16,719 at the 2010 census. Southbridge is one of fourteen Massachusetts municipalities that have applied for, and been granted, city forms of government but wish to retain ""The town of� in their official names.

 

Ashland is a town in Middlesex County, Massachusetts, United States. It is part of the MetroWest region. The population was 16,593 at the 2010 census.

 

Bellingham is a town in Norfolk County, Massachusetts, United States. The population was 16,332 at the 2010 census. The town sits on the southwestern fringe of Metropolitan Boston, along the rapidly growing ""outer belt"" that is Route 495. It is formally a part of the Boston�Cambridge�Quincy metropolitan statistical area, as well as the Providence metropolitan area.For geographic and demographic information on the census-designated place Bellingham, please see the article Bellingham (CDP), Massachusetts.

 

Amesbury is a city in Essex County, Massachusetts, located on the left bank of the Merrimack River near its mouth, upstream from Salisbury and across the river from Newburyport and West Newbury. The population was 16,283 at the 2010 census. A former farming and mill town, Amesbury is today largely residential. It is one of the two northernmost towns in Massachusetts (the other being neighboring Salisbury).

 

Auburn is a town in Worcester County, Massachusetts, United States. The population was 16,188 at the 2010 census.

 

Easthampton is a city in Hampshire County, Massachusetts, United States. The town is on the southeastern edge of the Pioneer Valley near the five colleges in the college towns of Northampton and Amherst. The population was 16,053 at the 2010 census.

 

Abington is a town in Plymouth County, Massachusetts, United States, 20 miles (32 km) southeast of Boston. The population was 15,985 at the 2010 census.Abington has evolved into a predominantly residential community with some light manufacturing including printing and machine-tool.

 

Fairhaven is a town in Bristol County, Massachusetts, United States. It is located on the south coast of Massachusetts where the Acushnet River flows into Buzzards Bay, an arm of the Atlantic Ocean. The town shares a harbor with the city of New Bed, a place well known for its whaling and fishing heritage; consequently, Fairhaven's history, economy, and culture are closely aligned with those of its larger neighbor. The population of Fairhaven was 15,873 at the time of the 2010 census.

 

Swansea is a town in Bristol County in southeastern Massachusetts. It is located at the mouth of the Taunton River, just west of Fall River, 47 miles (76 km) south of Boston, and 12 miles (19 km) southeast of Providence, Rhode Island. The population was 15,865 at the 2010 census.The villages of Hortonville and Ocean Grove are located in the town.

 

Longmeadow is a town in Hampden County, Massachusetts, United States. The population was 15,784 at the 2010 census.

 

East Longmeadow is a town in Hampden County, Massachusetts, United States situated in the Pioneer Valley region of Western Massachusetts. It has a population of 15,720 at the 2010 census. East Longmeadow is 25 miles north of Hart, 88 miles southwest of Boston, and 142 miles north of New York City.East Longmeadow is part of the Springfield Metropolitan Statistical Area, directly south of Springfield itself.East Longmeadow was first settled in 1720 and was officially incorporated in 1894. East Longmeadow and Longmeadow compete in an annual Thanksgiving Day football game that routinely attracts a few thousand spectators. The town is also the home to the 2007 Western Massachusetts champions in Varsity High School Baseball, along with the Western Mass champions in Girls Indoor Track in 2010, and 2011.East Longmeadow hosts an annual Fourth of July Parade. It is the largest Fourth of July parade in western Massachusetts.[citation needed] East Longmeadow High School also serves as host to an annual Fourth of July fireworks display, traditionally held on July 3.

 

Northbridge is a town in Worcester County, Massachusetts, United States. The population was 15,707 at the 2010 census. The Northbridge Town Hall is located at 7 Main Street in Whitinsville. The town is now a part of the Blackstone River Valley National Heritage Corridor, of the National Park Service. Northbridge claims to history include: Native American Nipmuc lands, Colonel John Spring, who led the Uxbridge militia training company in the American Revolution, Samuel Spring, Revolutionary War Chaplain, the Residence of Ezra T. Benson 1830-1832, the birthplace of President Millard Fillmore's mother, Phoebe, and home to the Whitin Machine Works from 1831 to 1964For geographic and demographic information on the village of Whitinsville, please see the article Whitinsville, Massachusetts.

 

Westport is a town in Bristol County, Massachusetts, United States. The population was 15,532 at the 2010 census.The village of North Westport lies in the town. Other named areas of the town are ""Westport Point"" with the dock on the Westport River where Main Road meets the river, ""Central Village"" with town offices, retail stores and businesses, ""Head of Westport"" at the head of the east branch of the river and the area referred to either as ""Acoaxet"" or ""Westport Harbor"" which is between the west branch of the river and Rhode Island. This area is actually cut off from the rest of Massachusetts by water and Rhode Island.

 

Duxbury is a coastal town in Plymouth County, Massachusetts, United States. A suburb of Boston, located on the South Shore approximately 35 miles (56 km) to the southeast of the city, the population was 15,059 at the 2010 census.Geographic and demographic information on the specific parts of the town of Duxbury is available in articles Cedar Crest, Duxbury (CDP), Duxbury Beach, and South Duxbury, respectively.

 

Hopkinton is a town in Middlesex County, Massachusetts, less than 30 miles (48 km) west of Boston. The town is best known as the starting point of the Boston Marathon, held annually on Patriots' Day in April, and as the home of computer storage firm EMC Corporation. At the 2010 census, the town had a population of 14,925. The US Census recognizes a village within the town known as Woodville, reporting a population of 2,550.

 

North Reading is a town in Middlesex County, Massachusetts, United States. The population was 14,892 at the 2010 census.

 

Belchertown (previously known as Cold Spring and Belcher's Town) is a town in Hampshire County, Massachusetts, United States. It is part of the Springfield, Massachusetts Metropolitan Statistical Area. The population was 14,649 at the 2010 census. It is the home of Belchertown High School and the infamous Belchertown State School mental institution which closed in 1992. Part of the town is part of the census-designated place of Belchertown.

 

Westwood is a town in Norfolk County, Massachusetts, United States. The population was 14,618 at the 2010 census. In July 2005, magazine ranked Westwood 13th on its list of the 100 Best Places to Live in the United States. Boston Magazine included Gay Street in Westwood on its list of the Best Streets in the Boston area. It is currently the 17th wealthiest town in Massachusetts.[citation needed]

 

Whitman is a town in Plymouth County, Massachusetts, United States. The population was 14,489 at the 2010 census. It is notable as being the place where the chocolate chip cookie was invented.

 

Wilbraham is a town in Hampden County, Massachusetts, United States. It is also a suburb of the City of Springfield, Massachusetts and part of the Springfield Metropolitan Statistical Area. The population was 14,868 at the 2010 census.Part of the town comprises the census-designated place of Wilbraham.

 

Dennis /'d?n?s/ is a town in Barnstable County, Massachusetts, United States, located near the center of Cape Cod. The population was 14,207 at the 2010 census.The town encompasses five distinct villages, each of which has its own post office. These constituent villages are Dennis (including North Dennis), Dennis Port, East Dennis, South Dennis, and West Dennis.

 

Northborough is a town in Worcester County, Massachusetts, United States. The official spelling of the town's name is ""Northborough"", but the shorter spelling ""Northboro"" is also used. The population was 14,155 at the 2010 census.For geographic and demographic information on the census-designated place Northborough, please see the article Northborough (CDP), Massachusetts.

 

Mashpee /'m�?pi/ is a town in Barnstable County, Massachusetts, United States, on Cape Cod. The population was 14,006 as of 2010. It is the site of the headquarters and most members of the federally recognized Mashpee Wampanoag Tribe.For geographic and demographic information on specific parts of the town of Mashpee, please see the articles on Mashpee Neck, Monomoscoy Island, New Seabury, Popponesset, Popponesset Island, Seabrook, and Seconsett Island.

 

Hanover is a town in Plymouth County, Massachusetts, United States. The population was 13,879 at the 2010 census.

 

East Bridgewater is a town in Plymouth County, Massachusetts, United States. The population was 13,794 at the 2010 census.

 

Swampscott is a town in Essex County, Massachusetts, United States located 15 miles (24 km) up the coast from Boston in an area known as the North Shore. The population was 13,787 as of 2010. A former summer resort on Massachusetts Bay, Swampscott is today a fairly affluent residential community and includes the village of Beach Bluff, as well as part of the neighborhood of Clifton. It is known for its quiet suburban character and beaches. The town is home to Marian Court College.

 

Seekonk is a town in Bristol County, Massachusetts, United States, on the Massachusetts border. It was incorporated in 1812 from the western half of Rehoboth. The population was 13,722 at the 2010 census. Until 1862, the town of Seekonk also included what is now the City of East Providence, Rhode Island. The land in the western half of the town was given to Rhode Island by the United States Supreme Court as part of a longstanding boundary dispute with Massachusetts.

 

Ox is a town in Worcester County, Massachusetts, Un"

 

Your Company might have discovered freight factoring but your company might not know exactly what it is or much more significantly exactly what it can possibly do for your firm. Truck Factoring likewise known as accounts receivable financing is a form of asset based lending that can improve a firm's short-term cash needs. It is not a loan; no debt obligation is assumed by Receivable Financing ,and the money is unconditional. Billing Accounts Receivable Companies in Business Receivable Funding Freight Bill Factoring at Truckfactor.Org- providing single invoice factoring packages freight-bill-factoring

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As the owner of your own establishment, you may be much more than conscious already of the challenge in making certain that cash flow concerns do not become a dilemma down the line. Anyway, the most horrible thing that can quite possibly come about for your establishment is to find yourself embroiled in a long and hard predicament that leaves you forever searching for the money you necessitate on an ongoing basis.

 

 

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Reasons why Trucking Agencies Make use of Factoring Firms.

 

As the owner of your own establishment, you may be much more than conscious already of the challenge in making certain that cash flow concerns do not become a dilemma down the line. Anyway, the most horrible thing that can quite possibly come about for your establishment is to find yourself embroiled in a long and hard predicament that leaves you forever searching for the money you necessitate on an ongoing basis.

 

 



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Sectors vital to the Massachusetts economy include higher education, biotechnology, finance, health care, and tourism. Route 128 was a major center for the development of minicomputers and electronics.[88] High technology remains an important sector, though few of the largest technology companies are based there. In recent years tourism has played an ever-important role in the state's economy, with Boston and Cape Cod being the leading destinations. Other popular tourist destinations include Salem, Plymouth and the Berkshires. As of June 2012, the state's unemployment rate was 6.0%,[129] well below the national level of 8.2%. Sectors vital to the Massachusetts economy include higher education, biotechnology, finance, health care, and tourism. Route 128 was a major center for the development of minicomputers and electronics.[88] High technology remains an important sector, though few of the largest technology companies are based there. In recent years tourism has played an ever-important role in the state's economy, with Boston and Cape Cod being the leading destinations. Other popular tourist destinations include Salem, Plymouth and the Berkshires. Particular agricultural products of note include tobacco, livestock, and fruits, tree nuts, and berries, for which the state is nationally ranked 11th, 17th, and 16th, respectively.[130] Massachusetts is the second-largest cranberry-producing state in the union (after Wisconsin).[

 

Account Receivable Funding Companies

Reasons why Trucking Agencies Make use of Factoring Firms.

 

As the owner of your own establishment, you may be much more than conscious already of the challenge in making certain that cash flow concerns do not become a dilemma down the line. Anyway, the most horrible thing that can quite possibly come about for your establishment is to find yourself embroiled in a long and hard predicament that leaves you forever searching for the money you necessitate on an ongoing basis.

 

 



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At one time or another, every business, even successful ones, have experienced poor cash flow.

Cash flow does not have to be an issue any more. Do not be deceived -- banks are not the only locations you can get funding. Other solutions are offered and you do not have to borrow money. Exactly what is truck factoring ? One solution is called trucking factoring. Truck Factoring is the procedure of offering accounts receivable to a financier instead of waiting to collect the money from the customer. Oh, the Irony- Truck factoring has an ironic difference: It is the financial backbone of numerous of America's most effective businesses. Why is this paradoxical ? Since receivable financing is not taught in business colleges, is rarely discussed in company plans and is fairly unknown to the majority of most of American business individuals.

Yet it is a monetary process that releases up billions of dollars every year, enabling countless companies to grow and prosper. Accounts Receivable Factoring has been around for countless years. FACTORING Companies are financiers who pay cash for the right to receive the future payments on your invoices. An overdue receivable or invoice has value. It is a financial obligation your client has to pay in the near future. Factoring Principals--Although factoring offers exclusively with business-to-business transactions, a big percentage of the retail business utilizes a factoring principal. MasterCard, Visa, and American Express all utilize a form of factoring in their retail deals. Using the purest definition of the word, these big customer finance companies are truly just big Receivable Funding Businesses of customer paper. Consider it: You make a purchase at Sears and charge it to your MasterCard. The store gets paid almost instantly, even though you do not pay up until you are ready.

For this service, the charge card business charges Sears a charge (typical common normal fees vary from 2 to four percent of the sale). The Advantages Factoring can offer many benefits to cash-hungry business. Instead of waiting 30, 60, 90 days or longer for payment on a product that has already been delivered, 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 simply a few of the company needs that can be satisfied with instant  cash.

Factoring provides the means for a producer to renew inventory and make more products to sell: There is no longer a requirement to await for earlier sales to be paid. Receivable Loan Financing is not simply a cash management device for producers: Almost any kind business can benefit from Receivable Loan Financing. Typically, a business that extends credit will have 10 to 20 percent of its annual sales tied up in accounts receivable at any given time. Think for a minute about how much is bound in 60 days' worth of invoices: You can not pay the power bill or today s payroll with a client s invoice, however you can offer that invoice for the money to satisfy those obligations. Using trucking factoring companies is a quick and easy procedure. The factoring company purchases the invoice at a discount, usually a couple of percentage points less than the stated value of the invoice.

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The U.s. Trucking Association
states that there around
195,000 employees with transportation
businesses and
250,000 private service providers trucking
firms accredited to
run in the United States that transferred,
according to their newest data of millions
items, materials and
basic materials .
There are several common
carriers either going solo or in
groups on our nation
roadways transferring these
important items to our
stores, manufacturingplants and harbors.

Plus  freight factoring
businesses service
countless of them and offer their
receivable loan facilities
nationally including
including the following states.


: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware,Florida,
Georgia, Hawaii, Idaho State,Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine,
Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska,
Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina,
North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina,
South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia,
Wisconsin, and Wyoming

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Factoring loans company Calculator
This calculator will show you how much you will make by using our factoring loans company . But, as your about to discover, you will certainly notice the increased cash flow that will occur when you use our factoring loans company
Enter the principal balance of your factoring loans company
(call your factoring loans company lender and ask for the current payoff amount):
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EveryJob is a free service dedicated to helping professional truck drivers find new truck driving jobs with the best trucking companies hiring today!

Locate truck driving jobs by city, state, position andenefits offered. Search current driving jobs and fill out the EZ truck driver application customized for cdl trucking jobs

 

The largest trucking companies in the U.S. set a revenue record in 2013, but revenuegrowth slowed for the second year in a row.

The combined revenue of the 50 largest motor carriers rose to $106.6 billion last year, according to The Top 50 Trucking Companies list, based on data prepared by Consulting Group in Pittsburgh.

 

Life of a Truck driver, like many other professionals can be very challenging, rewarding, and frustrating at the same time. �The com� is an information site for many of the Truckers needs. It is designed to encompass the needs of the Trucker, both on the Road and at Home.

List of Trucking Companies for Owner/Operators and Company Drivers

 

EveryJob is a free service dedicated to helping professional truck drivers find new truck driving jobs with the best trucking companies hiring today!

Locate truck driving jobs by city, state, position andenefits offered. Search current driving jobs and fill out the EZ truck driver application customized for cdl trucking jobs

 

Life of a Truck driver, like many other professionals can be very challenging, rewarding, and frustrating at the same time. �The com� is an information site for many of the Truckers needs. It is designed to encompass the needs of the Trucker, both on the Road and at Home.

List of Trucking Companies for Owner/Operators and Company Drivers

 

If you're like most drivers, you're looking for a better company in trucking that might be offering the best jobs in terms of pay, freight, and hometime ' not to mention benefits or a sign on bonus. We've got all of our clients listed based on the states where they're hiring, so you can quickly find the best job in your home state. You'll see the very best nationwide trucking companies that have positions available.

 

 

 

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Six Types of Companies - Which Group Are You In?

 

"

�So, this is not a loan?� asked Eugene Johnson, reclining back into his chair and crossing his legs. The woman sitting across the desk from Eugene smiled at him, shaking her head.�Not quite,� she said.Eugene Johnson owned a small trucking company, and his business had recently fallen on difficult times. Certainly the trucking business can be an extremely profitable venture, and for many years it had been that way for Ruben. He named his business Cooper Trucking, named after Danny and Ron, his two grandfathers. Both of these men had been very hardworking and had set a great example for Ruben.Six months ago disaster struck Ruben's business when two out of his fleet of fifteen trucks were taken off the road.

 

One was involved in a very costly accident, and the other simply rolled over, and headed to the trucking graveyard. Eugene depended on his full fleet, and missing two trucks was devastating . In addition, he just did not have the available cash to buy a new truck, plus repair the other one.Paying of bills in the trucking industry is always a major cause for concern for businesses.

 

You could go a month or more before bills were completely paid off. This system works okay as long as no problems arise, but if they do, then things can get quite sticky.Eugene wasn�t a bad owner, and he hadn�t messed up. Things had happened that he could not have predicted, and he had to figure out a way to keep his business from hurting, or even going under.And that's why he found himself across the desk from this woman. Her name was Naomi and she worked for a factoring company. He had accidentally come across her company one night when he was working late, searching the internet to see if there was some solution to his financial dilemma.She sat there now, and explained. �it is really not a loan at all: we actually buy your accounts receivable. We aren�t giving you money to be paid back later, we�re buying something from you, and you can buy it back when you can. This is a win-win situation: we are protected from a total loss, and you're protected from the ridiculous fees and charges you'd have to pay if you borrowed from a bank.Eugene nodded. It sounded good to him, almost too good.Naomi laughed. �You look like you don�t believe me,� she chuckled.�Oh no, I do: it just sounds too good to be true. I actually thought I might end up losing my business.�Naomi smiled, agreeing. �We get that a lot. Listen, I�d hate to see you lose your company. We know how hard you work, and that you've invested everything in your business. Sometimes you need help. That's why we do what we do.""In any case, thank you for coming to see me.""No problem - I'm just down the road. We normally do it all online but I was happy to come and visit you today,� said Naomi with a smile. �Let's work out a solution to your problem.�And right there and then they created a business profile. Eugene completed the form, with Naomi offering advice as needed.

 

The profile filled Naomi and her company in on Ruben�s company, and would help them determine if he was suitable for factoring. Unfortunately, not all companies are. Some were beyond factoring special brand of help, and sometimes things weren�t even dire enough for it. As Eugene completed his form, Naomi listened to his story and she felt quite sure he would be the ideal candidate for Factoring.When the form was done Naomi took it and slid it into her briefcase. Standing up, she reached over the desk and shook Ruben's hand. He also stood up, and they smiled at each other. Eugene walked Naomi to the door where they said 'Goodbye', then he went back into 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 shut 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. But now, after speaking to Naomi and learning all about Factoring, he felt such a huge relief, like someone had just lifted a huge weight off his shoulders. He relaxed into his chair, running his hand through his thick black hair with its telling streaks of grey.The long nights, where he couldn�t sleep. The terrifying panic attacks that occurred regardless of where he was. Already he could feel all the stress start to drain away. He knew it wasn't over yet and that there was still a way to go, but he could just feel everything start to change for him. He was still here; he knew this was the right path for him, and he felt proud that he had taken the appropriate steps to sort out his problems.His mind wandered back to the very beginning, when he first started his business. At twenty-two and straight out of school he had opened a restaurant. It had been successful. Offering home cooking in his own hometown, his business had really prospered.But he had gotten bored. His passion didn�t lie with 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 Cooper Trucking. So he did it. For the second time in his short life he created a company from the ground up. He had been successful.Then disaster! The two trucks went down and suddenly his success wasn't looking so guaranteed. He was nearing fifty. He was concerned that he just did not have the energy left to try and save the business. But giving up wasn't part of his personality either.

 

Just the thought of shutting down, cutting his losses, laying off his workers - the whole thing made him physically 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. Ruben's eyes opened, he sat forward in his chair and turned on his computer. He had lots to do. There would be plenty of time later to be thankful, but for now it was time to get back to work.

 

"

 

 

 

 

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Factoring Trucking Receivables

 

"

Medina Truck and Haul has been in business since the mid 1980s. 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, Medina 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. Cash was flowing and times were good for all.But a short year later, in the fall of 2008, when the United States economy took a nosedive and businesses both small and large began to feel the pinch on their pocketbooks, those that used to make their demands had suddenly and largely gone silent. Business slowed to a crawl

 

. Worse still, it was noticed by Medina in early 2008 that even though most of their loyal customers were on time with their payments, there were a few late bloomers who were starting to spread the disease. Spring changed to summer, summer changed to fall, and the CEO of Medina, Kurt Sutton, was beginning to feel very uncomfortable indeed whenever he looked at their weekly Accounts Receivable reports. The numbers of clients who owed him back debt were growing.He had gone to his administrators and asked them what the problem had been. Were they doing things different, or wrong, when it came to collecting overdue accounts? By his bookkeepers records, this wasn't the case. He thought perhaps that he was losing clients to a competitor who offered rock-bottom prices with little to no guarantee of quality performance, and that the folks who owed Medina money had jumped ship and decided to leave him holding the bag.

 

. They could not afford to pay him their debt, but they could afford a lesser service, maybe. So he did the necessary research and, after discussions with friends in the same field, he realised that no, his customers hadn't gone anywhere else. The had just gone!.This current state-of-affairs was causing Kurt Sutton 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, Dora, and neither were unable to stop the constant worry over the lack of funds.""Lin, I have a really bad feeling,"" he would say with deep woe.""Well, what do you think it is?"" she would say.Kurt 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 then a haze would cover his trucks and his vast fleet would vanish to leave just a few. What could cause this ultimate death spiral of business?""I think I know what it could be,"" said Kurt. ""I've relied too long on the profits I receive from invoices alone. For too long I've been allowing our clients to let their accounts become overdue."" 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.

 

""Kurt knew very well that Dora 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 next day Kurt strolled into his office and was determined to sit down and make every phone call to every client who had owed Medina money. 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. But, he felt like he was doing something proactive to help his business, even though he had staff on salary to do just that thing. Wasting money, wasting time - even with the best of intentions, Kurt knew that he was in trouble.

 

Poor Kurt 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.

 

""Kurt, can I have a word?"" she asked standing in the doorway.

 

""Sure thing Sally, come on in."" Kurt leaned back in his chair and looked expectantly at Sallyerely.""Well, I did a little searching this afternoon and tried to figure out a way out of this mess Kurt."" 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 the word factoring?"" she asked.""It sounds vaguely familiar. What is it?"" he said.""Well,"" she began, ""It�s actually quite simple really.

 

Basically, factoring invoices means that we would get paid immediately for the loads we haul.""Immediately?"" Kurt interrupted.""Immediately, yes"" she added, ""In a nutshell, it is pretty easy. We can have an expert account manager review our numbers and help us complete a company profile. That profile will also include investigating our accounts receivable aging reports, our existing customer credit limits and so on. Additionally, the factoring will help to determine the creditworthiness of our customers independent of their credit history with our business. It�s a broad view.""I see,� Kurt said. �And then what?""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. You'll be surprised at the amount of flexibility, all dependent upon the credit histories and business volume.

 

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.�Leaning forward, Kurt studied the documents very closely.""It sounds too good to be true, Sally,"" he said.""Yes, I know; that's exactly what I thought at the beginning. But think about it, Kurt: they've guaranteed that experts will do all the paperwork, and that will free us up to do what we should be doing - focusing on our customers in good standing, and that kind of stuff. And they're flexible Kurt,"" she underlined a paragraph on the paper before him.""How flexible?"" asked Kurt.""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. It only takes 2 to 4 days for this to be figured out. ""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,"" Kurt said.He took a deep breath and looked at his secretary with something she recognized as hope.""Exactly�. I think this might just be a way out of the trouble we are in with these folks who owe us money.""Kurt took a moment to think about this solution, and agreed with his secretary. The clients who owed them money were long standing friends and professional resources of Medina. Kurt wasn't prepared to lose these relationships just because they were having financial issues at the moment. Kurt knew that the economy had taken a hit and he knew that it would probably be a long time before things started to look up again. 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.""Well, let me think about this tonight Sally, thank you."" Sally nodded, stood up and left the office feeling that she had helped her employer keep on his shirt and hers too.Kurt sat behind his desk and looked over the details Sally had not mentioned in their meeting. He wondered if there might be other problems freight factoring could help Medina 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, Medina could receive up to fifty-percent cash advances upon load pick-ups. Kurt was a typical business man: he despised binding contracts that did not allow room to breathe, so he was pleasantly surprised to see that the factoring company did not require a long term contract, that there was no minimum volume required, and that there were no sign-up fees.""Well, I'll have to tell Phillip about this,"" Kurt muttered to himself.Kurt's son-in-law, Phillip, loved the idea behind Medina and highly respected his father-in-law for having such great business sense, that two years ago he got his capital together and started his own transportation company. Kurt knew then what struggles Phillip would face but he encouraged him nonetheless. With the economy the way it was, if an established company such as Medina was struggling then the little guys, like Phillip, were going to be in even more trouble.

 

Perhaps the antidote to these problems was in freight factoring, and they were about to find out.A few short months later, after completing the application process, having the legal experts review his credit history, accounts receivable, and statements, finally Kurt was beginning to find his way out of the hole his debtors had created for him.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. Kurt looked back on the dismal months of life before freight factoring and almost shuddered at the thought. If Kurt hadn't discovered freight factoring at just the right time, his business may not be operating today.

 

"

 

 

 

 

 

 

More Six Types of Companies - Which Group Are You In?-Articles

 

 

www.Bankbusinessloan.Org/

 

 

 

Factoring Trucking Receivables

 

The reason why Trucking Agencies Utilize Factoring Companies.

 

As the operator of your own company, you may be more than wary already of the challenge in making certain that cash flow matters do not become a dilemma down the line. Anyway, the most horrible thing that can quite possibly transpire for your enterprise is to find yourself swept up in a long and tough situation that leaves you forever searching for the resources you require on an continuing basis.

 

For pretty much any company in this position, the trouble can come for waiting for work to clear up and actually be paid into your balance. Statements, checks, and the like can take a while to actually to beprocessed which can certainly leave you with short-term capital difficulties. The good news is, there are alternatives out there for enterprises to look into-- and among these is factoring providers.

 

Factoring providers will, in exchange for your statements, supply you with the resources right away to ensure that you do not have to fret about the delaying time span which could make paying the bills and purchasing toolsmore hard. With this type of system, invoice factoring can become extremely useful for lots of firms who need to avoid a cash pitfall which they have found themselves in.

 

Due to the fact that, basing on the volume of the work, it can take up to 60 days for several companies to get paid then it is significant to cover your own back and certainly not leave yourself cash short to settle the costs. After all, how many businesses have two months income just occupying there to deal with all their spendings till they get paid?

 

This is specifically correct of truck establishments. They often tend to manage numbers of statements which means a serious volume of collection period entails business owner themselves. Seeking to get paid in time can eventually become an unbelievable hassle and this is the key reasons why you make use of truck factoring companies who are delighted to help out truckers primarily.

 

As most of us understand, trucking is an amazingly big field with plenty of organizations out there working with hundreds of operators. Sadly, plenty of these drivers land up in finances predicaments because they are still waiting for work from six weeks back to actually compensate them. When this is the situation for a truck organization, turning to factoring firms for reinforcement might be the most ideal alternative left.

 

This signifies that a truck business can compensate the salaries of the staff, keep all the vehicles refilled with fuel and continue to go up, rise and expand without constantly waiting for the funds which is taking too lengthy to come in. Trucking Enterprises functioning without a factoring program used are leaving themselves at considerable hazard, as competitors cash out rapidly and carry on to expand.

 

There's absolutely nothing at all to be worried about when it comes to utilizing a Factoring establishment-- they typically are not like a financial institution or a person who is going to leave you with a considerable heap of financial debt to pay back. You give them legitimate invoices from output you have already accomplished , you are just speeding the payment process.

 

In the United states of America, where trucking firms develop, factoring enterprises are not considered borrowing in any capacity. This private arrangement then allows both parties to make money and indulge in a good future-- it provides the factoring company a warranted asset of profit to add to the list and it furnishes the trucking business the needed finances that they sweated to earn.

 

The trucking establishment bestows their statements to the factoring enterprise. The trucking factoring company then receive the payment amounts from the trucking company's clients. Factoring has beenaround for hundreds of years and has been utilized for decades by plenty of varied business sectors-- but none much more so than truckers. While you might lose out on a small part of the money, something like 1-3 % depending upon who you work with, it means that you are obtaining the finances today and can actually begin putting the money to function.

 

Anyway, an IOU or an invoice is certainly not going to finance spendings, is it? For trucking establishments when the cash can be very good one day and gone the next, it is up to the vehicle drivers to work smartly and to ensure they are leaving themselves with a substantial volume of time and money to get through the week till they are paid again.

 

So the next occasion your trucking establishment is enduring some temporary capital problems and you are devoting a bit too much time chasing inactive paying clienteles, why not start taking into consideration utilizing a factoring businesses as a manner to get your money and give yourself a more worry-free future in the eyes of your trucking workers and your bank balance?

 

 

 

 

 

 

 

More Factoring Trucking Receivables -Articles

 

 

 

Freight Bill Factoring

 

 

 

www.Bankbusinessloan.Org/

 

 

 

Factoring Trucking Receivables

 

The Future of a Trucking Company, and Factoring The phone was ringing on his desk, and Douglas Phillips 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. Phillips Trucking Company was at a turning point of growth and Douglas had to decide if signing with a factoring company was the right way forward.

 

More than forty years ago Douglas's father had started this business working as an owner-operator and eventually growing Phillips Trucking Company into a fifteen trailer fleet. There had been some hard times when it seemed everything was going to go under and even Douglas�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. But now things were different: the company was in Douglas's hands and he needed to ensure that this business would be left in great shape for his sons.

 

There just never seemed to be enough money to go around, and certainly no spare cash, but to move his company successfully into the future he needed a steady and reliable cash flow. He had employees to pay. They all have families and the usual household bills. Some of the refrigerated trailers were in need of repairs and he felt to stay competitive it was also a good idea to invest in specialized haulers to be ready for the constant requests he was getting for loads of new energy and agriculture equipment. Every time he had to turn down a request, Phillips Trucking looked weak in a very strong market.

 

He knew what his father would have said - 'wait, take your time before adding new technology'. Douglas chuckled, thinking about his father. He remembered when his father was totally against installing GPS units in the cabs. He would say, �Why do you need the voice of some woman to tell you to get off at an exit that has been the same exit that 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. He knew his father's days were long gone and new technology was very important for the business, like having Qualcomm to reduce communication time for bills of lading.

 

Douglas knew he was right in his forward thinking. What would be the next step for Phillips Trucking? More importantly, how could he afford it? Funding was all tied up in the mortgage for the office and garage and in the fuel bills. He just finished paying off the small bank loan for installing satellite radio in the trucks for the guys.

 

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.

 

Douglas had to really consider what his next step was going to be. Douglas 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. Their customer service actually knew things about their company and spoke in nice clear English so he could understand what was being explained. 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. Nobody charged him for credit checks and they offered him a fuel advance on the pick-up of the 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. Also he was happy to hear how much he was offered in terms of percentages on the freight bills. It was good money.

 

For Douglas it was quite a relief to be dealing with the factoring company. They were more personable than those loan managers at the bank. It seemed as though those bank people spoke another language, but these factoring guys knew the trucking business and spoke to him like a client, not like a beggar for a handout. The factoring companies were not interested in his credit nor the financial problems his father had experienced in the past. Factoring was based on the credit of his customers and on their reliability which worked well for Douglas because he and his father had built up good strong relationships over decades with their list of clients. He knew immediately that there would not be any problems when they were contacted by the factoring company regarding their invoices. His clients would not have any problems, nor would they think poorly of Phillips Trucking, because the factoring companies handle themselves in such a polite and professional manner, similar to the way his father had managed the business in the past.

 

Feeling happier now, Douglas stepped out of his office to advise his secretary to expect to receive the contract very shortly from the factoring company. He felt exhilarated by the new possibilities that would make the future of the company fun again and put the stress of the difficult times behind him. With the capabilities of this new cash flow, Douglas could actually expand Phillips Trucking Company further across the country and perhaps even go international into Canada. 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.

 

 

 

 

 

 

 

More Factoring Trucking Receivables -Articles

 

 

 

 

 

 

 

 

Freight Bill Factoring

 

 

 

 

 

 

www.Bankbusinessloan.Org/

 

Account Receivable Funding Companies

 

Date Published- 2014- 05-18 Factoring Trucking Receivables

 

"

Traditional Bank Loans

 

Bank loans are an extremely traditional way for a business to get financing. While these loans are handy they are not available to every business. For example, a fairly newly established business simply may not have the assets to readily get a loan from a bank, even if they do, the standard collateral for a business loan is the business itself, which means that if you cannot make your loan payment, you risk losing 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.

 

Trucking Factoring Companies

 

Trucking Factoring companies do not give loans, and the money you get from the Trucking Factoring company does not put you in debt. Rather the financing you receive from a Trucking Factoring company is based on money your business has already earned, but have not yet received. The Trucking Factoring company purchases your accounts receivable, or part of them, for a certain percentage of their value - this is normally about 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.

 

What Are The Benefits Of A Trucking Factoring Company Versus A Traditional 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. There is no debt. Since the Trucking Factoring company actually buys your accounts receivable you do not actually incur debt like you do with a bank loan. 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. No Collateral Required. Another great benefit of using the services of a Trucking Factoring company instead of a bank loan is that there is no collateral required for the Trucking Factoring company, because the Trucking Factoring company is buying your accounts receivables. 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 not only are you relieved of those monthly loan payments, but you also do not have to worry about the building up of interest, as every penny in the account is yours to spend on the business.

 

As you can see, there are several benefits that makes considering financing through a Trucking Factoring company over a traditional bank worthwhile. In addition, there are other benefits that a Trucking Factoring company can offer you, outside the scope of a 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.

 

Another bonus is that, because the Trucking Factoring company has evaluated the quality of your customers' credit before buying the accounts receivable, you learn valuable information regarding your customers, like which ones are likely to pay, and which ones are less likely to pay.While a Trucking Factoring company is not the only way for your business to obtain the money it needs to keep growing, it does offer a type of financing well worth considering.

 

"
www.Bankbusinessloan.Org/

 

 

 

 

 

More Factoring Trucking Receivables -Articles

 

 

 

"

Traditional Bank Loans

 

Bank loans are an extremely traditional way for a business to get financing. While these loans are handy they are not available to every business. For example, a fairly newly established business simply may not have the assets to readily get a loan from a bank, even if they do, the standard collateral for a business loan is the business itself, which means that if you cannot make your loan payment, you risk losing 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.

 

Trucking Factoring Companies

 

Trucking Factoring companies do not give loans, and the money you get from the Trucking Factoring company does not put you in debt. Rather the financing you receive from a Trucking Factoring company is based on money your business has already earned, but have not yet received. The Trucking Factoring company purchases your accounts receivable, or part of them, for a certain percentage of their value - this is normally about 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.

 

What Are The Benefits Of A Trucking Factoring Company Versus A Traditional 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. There is no debt. Since the Trucking Factoring company actually buys your accounts receivable you do not actually incur debt like you do with a bank loan. 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. No Collateral Required. Another great benefit of using the services of a Trucking Factoring company instead of a bank loan is that there is no collateral required for the Trucking Factoring company, because the Trucking Factoring company is buying your accounts receivables. 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 not only are you relieved of those monthly loan payments, but you also do not have to worry about the building up of interest, as every penny in the account is yours to spend on the business.

 

As you can see, there are several benefits that makes considering financing through a Trucking Factoring company over a traditional bank worthwhile. In addition, there are other benefits that a Trucking Factoring company can offer you, outside the scope of a 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.

 

Another bonus is that, because the Trucking Factoring company has evaluated the quality of your customers' credit before buying the accounts receivable, you learn valuable information regarding your customers, like which ones are likely to pay, and which ones are less likely to pay.While a Trucking Factoring company is not the only way for your business to obtain the money it needs to keep growing, it does offer a type of financing well worth considering.

 

"