The best replacement for factoring is securitization.

The best alternatives to factoring are rated as following:
★★★★★  securitization
★★★★  invoice discounting
★★★★  forfaiting
★★★  quadratic formula
★★★  pledging
★★★  discounting
★★★  using the quadratic formula
★★  credit insurance
★★  forfeiting
★★  asset based lending
★  purchase order financing
★  assignment
★  pledging accounts receivable
★  receivable financing
★  accounts receivable financing
★  reverse factoring
★  securitization of receivables
★  bills discounting
★  principal components analysis
  forfaitierung
  borrowing
  bill discounting
  completing the square
  recourse factoring

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Speaking about factoring, one probably shouldn't forget about recourse.

Other search terms related to factoring and their ratings are:
★★★★★ recourse
★★★★ gcf
★★ algebra tiles
★★ common factor
★ grouping
or without recourse
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Google Trends

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factoring
securitization
invoice discounting