A Breakthrough Factoring Company
Offering Factoring Programs Tailored
to Make You More Money

How Factoring Works

The First Step:
The Client profile

ou begin by filling out a simple client profile, which we
will provide you. Please click here
for profile. This profile
will cover basics such as your company's name and
address, the nature of your business, and information
about your customers.

You may need to supply an accounts receivable
aging report, existing customers' credot limits, or other related documents. Remember the factor will attempt to determine the creditworthiness of your customers independent of their
credit history with your business. We want a broader
view of their
overall credit status.

During this initial stage you will also cover basic
financial arrangements with the factor. For instance,
what will be the monthly volume of invoices you
want to factor(i.e. how liquid do you need to be)?
What will the advance rate and the discount rate be?
How quickly will the factor issue the advance to you?

In most cases, the answers to these questions will
vary depending on the financial strength of your
customer(s) and the anticipated monthly sales
volume to be factored. Variations between industries,
length of time in operation, and general reputation of
how risky a customer of yours may be. For instance,
a long list of high-risk clients will cost you more in
factoring fees than a short list of government
agencies with a slow-pay history.

In the factoring business, volume is all important.
The higher your volume(the dollar amount of
invoices you factor), the more favorable your rates will be.

The factor will use the client profile you submit to
determine if your business is suitable for factoring.
This process is simply the factor analyzing the
risks versus the rewards, using the information you provided.

Once approved, you can expect to negotiate terms
and conditions. The negotiation process takes
several aspects of the deal into consideration.
For instance, if you want to factor $10,000,
you can't expect as good a deal as a company
that wants to factor $500,000.

During the negotiation process, you will become
well aware of what it costs to factor your
accounts receivable. After you reach an agreement
with the factor, the funding wheels begin to roll.
The factor conducts due diligence by researching y
our customers' credit and any liens placed against
your company. The factor also confirms the
legitimacy of your invoice before buying your
receivables and advancing cash to you



















































































































































































We Can Offer You What Others Can't

Unlike other factoring companies, our program includes the following features at no additional charge:

24 hour funding on approved invoices
Highest advance rates in the industry
Credit analysis on new and existing customers
Continuous collection management and follow up on factored invoices
Invoice and statement mailing (postage included)
Account status inquiries anytime;
24/7 online account access.

We allow you to electronically submit Invoices
Free credit checking on new customers at no additional cost

Personalized Service - you have one dedicated person and his or her assistant who handle your account.
You don't have to start over each time you call
with a new person
We are seasoned professionals with an average of 11 years industry experience per account executive
(Well above the factoring industry norm)

Our flexibility allows you to maintain control:

You select accounts you prefer to factor on an invoice by invoice basis.
You control total factoring costs by only factoring on an "as needed" basis.

Up to 97% Advance Rates:

Advance rates are based on overall risk associated with a particular industry as well as experience and track record. We hold reserve accounts to accommodate industries which typically experience dilution and that we would otherwise not be able to service. Advance rates range from 80% to 97% of the gross invoice amount.

Fee Structures:

Fees are determined based on your industry, the credit worthiness of your customers, how quickly your invoices turn, and monthly factoring volume.

Call our factoring specialists at