Don't let your customers hold you hostage . . .

Time is money!

If your customers are not paying their invoices in a timely manner and cash flow challenges are preventing you from:

		covering payroll;
		expanding your staff, operations and facilities;
		acquiring equipment or materials to remain competitive;
		or taking that much needed, much deserved vacation...

RECEIVABLES FUNDING might be the answer!

What Is Receivables Funding?

Receivables Funding (also known as Factoring) is the purchase of business accounts receivable at a discount. Specifically, it is the purchase of invoices to business or government for goods or services already received by strong or many customers. Medical receivables funding has some other specific guidelines.

Why Should You Factor?

What are the benefits of factoring your receivables?

		Factoring stimulates cash flow.
		Factoring relies on the strength of a business's customers.
		Factoring is accessible.
		Factoring gets quick results.
		Factoring is flexible.

In many situations, factoring is more appropriate than bank financing, because factoring:

		*Is based only* on the accounts receivable. A client’s ability to raise cash by factoring is based on the total accounts receivable, rather than on traditional measures of financial strength and stability.**
		Provides continuing cash flow without the requirement of periodic payments or interim payoffs. New sales continuously create new power to obtain cash, and the business does not have to deal with renewal of loans or worry about maturity dates.
		Gives a business increased access to cash as sales and receivables increase. There is no ceiling beyond which the factor must stop providing cash. The more sales a business makes, the more cash it can draw. The factor does not concentrate on the business debt/equity ratio to provide funds, as banks do.
		Offers a dependable, continuing source of cash without the necessity of making separate loan applications.
		Avoids the necessity of obtaining funds from venture capitalists, who receive an interest in the business and generally have a say in how the business is run.
		Saves the business owner precious time waiting for a loan board to grant or deny his or her loan. Loan boards’ decisions are influenced by many considerations, and the outcome is often unpredictable. With factoring, periodic delays and negotiations are eliminated, allowing the business owner time to do what he or she does best – run the business.

For every 30 days that your customer doesn't pay, 1% of net disappears!

You can't write it off, so
why should you act as your customers' bank?

More Benefits of Factoring

There are many other benefits in factoring your your income stream?

It does not create debt on your balance sheet.

It increases your purchasing power, enabling you to do more business.

Eliminates the need for bank loans or SBA Loans.

Improves your credit rating, and gives you cash to meet your obligations.

Eliminates using equipment, real estate or inventory for collateral.

Saves on your in-house staff costs.

Presents a professional image to your clients.

Eliminates the need for venture capitalists or partners that share in decision-making and profits.

Factor ALL of your receivables, or only the ones you choose.

Stop factoring any time you choose without termination penalties.

Start again any time you need the service.

Receive credit reports at reasonable rates.

Who Can Use Receivables Funding?

Nearly any business can factor if they meet the following guidelines:

		The purchase of invoices to
		business or government for
		goods or services already received by
		strong or many customers.

Let us help you meet your business goals!

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