Our Invoice Factoring Company Helps You Make More Money. Unique 97% Advance Rates.

"You have always provided
  service above and beyond any other
  company I have dealt with. Our account
  manager gives us 100% and is only
  one of the reasons we have
  chosen to stay with you."
   - Leroy , V.P. Security Services Company

Is Invoice Factoring For You?

The key to knowing if factoring is
for you is to not to look only at the
bottom-line factoring fee,
but also to consider how your company
may increase it's profits through factoring.

Here is additional information on factoring
to help you with your decision.

How are invoice factoring fees
and advance rates determined?
It is based on several factors:
The creditworthiness of your clients
Your monthly billing volume
Average invoice size
Average days to payment
Fees can range from 2-5 % of
the invoice's face value.
For example if the invoice's value
is $1,000; a fee of 3% equals $30.

What is an advance?
The amount of money you
receive immediately
when we buy your invoice.
The balance is returned to you when
your customer pays the invoice.
Advances range from 60-95%
of the invoice's face value.
For example if the invoice's value is
$1,000 an advance rate of 80% equals $800.
The balance of $200 less the
factoring fee is returned to you when your
customer pays the invoice.

Comparing Bank Lending Rates to Factoring?
When compared to bank lending rates, factoring
initially appears to be very expensive.
Here are five typical questions/concerns
that are raised by potential factoring clients

Wow! 3 points per month! That's 36 percent year! (Rates range from 1.5- 3 points)
It is tempting to annualize the numbers, but that is an "apples and oranges" comparison.Banks loan money at an annualized interest rate, 12 percent per year for example. We purchase your receivables at a discount. The products are different and there are other inconsistencies to this inappropriate comparison

The bank provides the money only one time, the day that you receive the loan; we provide money continuously. As an example, consider a bank loan for $100,000 at 12 percent. You receive the $100,000 just one time and then pay $1,000 interest per month interest and you still owe the $100,000. Or the bank could provide you with a line of credit that you use only when you need the money but the bank is charging you for that privilege and if you need to increase your line you need to go through the qualifying process all over again.

When you factor $100,000 each month for a year you have the use of $1.2 million (12 x $100,000) over the year. Unlike a bank loan where you have just $100,000 one time. Assuming a 3 point discount, the fees over the year will be 12 x $3,000 or $36,000, which is still 3 percent of $1.2 million. And at the end of the year you have no debt!

I'm only making 3% profit, how can I pay you 3 points?
A company making only 3% net profit can do more business volume as a result of factoring, and the larger volume will result in a higher profit margin because fixed costs do not increase with volume. The added business at a higher marginal profit leads to an increased overall profit margin. As the volume increases, the cost of production decreases, so that profits increase. Fixed costs i.e., rent, electric, insurance, etc., increase very little or not at all with volume. An increase in business will not affect rent. Electric bills may rise slightly. Workers compensation insurance may rise slightly. These costs do not increase as do direct production costs.

Let's graphically do the math assuming you can double your sales
Without Factoring

Monthly Gross Sales	$50,000
Cost of Goods Sold	$30,000	60% of Gross Sales
Monthly Gross Profit	$20,000	40% of Gross Sales
Fixed Expenses	$10,000
Variable Expenses	$8,500	17% of Gross sales
Factoring Fee	N/A
Total Expenses	$18,500	37% of Gross Sales
Monthly Net Profit	$1,500	3% of Gross Sales

With Factoring

Monthly Gross Sales	$100,000
Cost of Goods Sold	$60,000	60% of Gross Sales
Monthly Gross Profit	$40,000	40% of Gross Sales
Fixed Expenses	$10,000
Variable Expenses	$17,000	17% of Gross Sales
Factoring Fee	$3,000	3% Fee
Total Expenses	$30,000	30% of Gross Sales
Monthly Net Profit	$10,000	10% of Gross Sales

But I only get 80% of my money upfront!
(Advances typically range from 80%-97%)
Let's assume an advance rate of 80%. Let's also assume that you begin factoring in January. You have factored $100,000, we pay you $80,000 of that money upfront, with the remaining money making up the fee (3%) of $3,000 and the reserve (17%) of $17,000.
Now in February, you once again factor $100,000 and receive $80,000. However. you also receive your January reserve of $17,000(assuming your customer pay in 30 days). So for February, you actually receive 97% of your money, instead of 80%.
In the second month and going forward you are basically receiving 97% of your cash flow.
But what if my customers take longer than 30 days to pay?
You have several options, Assume your client takes 60 days to pay you bill your client in the normal fashion and simply allow 30 days to go by prior to factoring that invoice. That way you pay the 30 day fee.
Another way is to factor your faster customers first for the cash you need.

We are a nationwide company offering
invoice factoring programs the others can't
because of our unique funding capabilities.
The others are restricted by their banks on
what kind of factoring programs they can offer.
We are not restricted!

Our customers tell us that our combination
of low rates,flexible contracts and exceptional
service makes us the best choice for invoice
factoring services.

We have been providing invoice
factoring services nationwide for decades
and have clients in hundreds of industries. Including
factoring for Health Care Staffing, Tansportation,
Trucking, Manufacturing, Labor Staffing,
and much more.

Unlike other invoice factoring companies,
our program includes the
following features at no additional charge:
• 12-24 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

When you become our client you will
be served by our staff that has an average
of 11 years account receivable
factoring industry experience per
account executive.
(Well above the invoice factoring industry norm!)

You will have one dedicated person
and his or her assistant who will handle
your account.
Unlike the others, you don't have to
start over each time you call  with a new person

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%
Invoice Factoring 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.

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

GET YOUR CASH TODAY
Call our invoice factoring specialists at

1-888-239-9162 or

Email Us or
Complete our
ONLINE INVOICE FACTORING REQUEST FORM

INVOICE FACTORING HOME PAGE

"In all my years of finance experience I have found you as being the best source, your personal touch and commitment to us has made our relationship a great blend of business and friendship."
-Omar, Controller for Utilities Company

"Thanks a million.
You're a lifesaver!"
-Charlie, President of Staffing company

"We would not be here today without your help "
-President, Advertising Agency

INVOICE FACTORING BENEFITS
IS INVOICE FACTORING FOR YOU
WHY INVOICE FACTORING IS NECESSARY
HOW INVOICE FACTORING WORKS
WHY OUR CUSTOMERS CHOOSE US
INVOICE FACTORING HISTORY
SWITCHING INVOICE FACTORING COMPANIES?
HERE IS HOW IT WORKS
EVERYTHING YOU NEED TO
KNOW ABOUT INVOICE FACTORING