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S M A R T   C H O I C E   F O R   G R E A T E R   P R O F I T S !

 Please contact us today and our seasoned invoice factoring professionals will help you get the cash you need today.
 - Call us at 1-800-986-1859, or 
 - Email us, or
 - Complete the Online Invoice Factoring Request Form

Imagine flexbility that no one else offers. Unlike the others, you choose what works best for you; you sign no long-term contracts; you pay no fees when your account is inactive. You set up your contract to meet your cash flow needs, not ours. You can choose between using our most advanced technology or using the old-fashioned systems ­- we maintain both for you. Unlike the others, our objective is not to force you to conform to us, but to get you the cash you need in the quickest and most efficient manner.

 We offer cash advance rates of up to 97% -- exceeding factoring government receivables industry norms by 20%. The typical maximum in the factoring industry is 70-80%. We can offer these great rates because of our unique and flexible combination of bank and private financing.


More Factor Receivables Information
What is Factoring?

One solution is called invoice factoring. Factoring is the process of selling accounts receivable to an investor rather than waiting to collect the money from the customer.

Oh, the Irony…

Factoring has an ironic distinction: It is the financial backbone of many of America's most successful businesses. Why is this ironic? Because account receivable factoring is not taught in business colleges, is seldom mentioned in business plans and is relatively unknown to the majority of American business people. Yet it is a financial process that frees up billions of dollars every year, enabling thousands of businesses to grow and prosper.

Factoring has been around for thousands of years. Factors are investors who pay cash for the right to receive the future payments on your invoices.

An unpaid receivable or invoice has value. It is a debt your customer has agreed to pay in the near future.

Factoring Principals

Although factoring deals exclusively with business-to-business transactions, a large percentage of the retail business uses a factoring principal. MasterCard, Visa, and American Express all use a form of factoring in their retail transactions. Using the purest definition of the word, these large consumer finance companies are really just large factors of consumer paper.

Think about it: You make a purchase at Sears and charge it to your MasterCard. The store gets paid almost immediately, even though you do not make payment until you are ready. For this service, the credit card company charges Sears a fee (typical fees range from two to four percent of the sale).

The Benefits

Factoring can offer many benefits to cash-hungry companies. Rather than wait 30, 60, 90 days or longer for payment on a product or service that has already been delivered, a business can factor (sell) its receivables for cash at a small discount off the amount of the invoice.

Payroll, marketing efforts, and working capital are just a few of the business needs that can be met with this instant cash.