“If more companies knew how easy and how beneficial it is to factor when needed, they wouldn’t sweat it as to when a check comes in.” “My payroll is met easily every week, and I have a better relationship with my customers and employees.” “I would like to thank you for the speedy deposits you make!” International Factoring Association Member

Client Characteristics

Clients we fund have the following characteristics:

• Are honest small business owners in need of improved cash flow.
• Have an existing business and business license.
• Wish to factor fresh and ongoing invoices to creditworthy business or government customers (not private individuals).
• Factoring volume is less than $10k per month to begin.
• May be young or start up companies, or may have been in business for some time. The significant matter is the need for improved cash flow.
• Typically wait 2 weeks to 2 months (preferably 15 to 45 days) to receive payment -- which is the primary reason for cash flow needs. We usually do not accept non government customers who take more than 60 days to pay.
• Have no UCCs or liens outstanding, nor unsatisfied judgments.
• Are not in the construction or trucking industries.
• Do not bill insurance companies, Medicare/Medicaid, or private individuals for medical or other receivables. However invoices to hospitals and creditworthy medical-related businesses are welcome.