How does it feel to finance your customers for free? With
money you’ve already earned? Being taken advantage of by
your clients? Are you angry when 30 days turns into 45?
60? 90? Feel like pounding the desk because of lost
opportunities? Or throwing up your hands and quitting? Are
your sales people pissed because they have to make
collections, too? Is that cutting down on your sales efforts?
Causing you more agony? Hate making dunning phone
calls? Is the business you loved not much fun anymore?
NEED MORE MONEY?
How many times have you said, “If only I had more money, I
could…..?” How much of your creative time is wasted
looking for more cash? Trying to get invoices paid? Aren’t
you frustrated always feeling behind the business curve?
When your sales are up, why do you have less money in
hand? Doesn’t your stomach tighten when you look at your
bills? And know that you can’t keep current because your
customer’s won’t? Whatever happened to the joy and
excitement you felt when you first got into your business?
CASH FLOW IS KING
Cash is your lifeblood. Without cash, you can’t pay bills,
expand, or even remain in operation. How does that make
you feel? And giving your customers interest free loans is
not helping, is it? Isn’t it strangling your movements and
causing you a bundle in lost interest and increased costs?
How about inflation losses waiting for your money? Doesn’t
do much for your peace of mind, does it?
Remember your last cash flow crunch? All that upset when
the accounts receivable didn’t arrive? The big payment that
was going to give you some room to move? And you didn’t
know when or if it would happen? Helpless feeling, wasn’t
it? Didn’t you feel a little lost?
Stop Being a Cash Flow Victim
Why keep on being a cash flow victim? Is it
possible today for you to be in charge of your
cash flow? Is it possible to get your money in
48 hours instead of 30 to 90 days?
Your answer could be factoring, a powerful
non-debt solution to cash flow problems.
Why Not Factor?
Why not factor your invoices, converting them to cash by
selling them directly to a factor at a discount? New idea?
Hardly! Retail stores routinely sell their bills of sale to Visa®
or MasterCard®. Same deal. You’ve been involved in
factoring for years, every time you whipped out a credit
Same Rapid Service
Now you can get the same rapid service for your wholesale
business! You get an IMMEDIATE 70-90% advance
of what’s owed you. That provides instant cash for your
business so you can be in control again. It gives you a
powerful competitive edge.
Do you lose the rest? NO! When the factor collects
the invoice, you get the remainder minus a pre-agreed fee,
usually around 2 to 3% annually. Costly? CHEAP! For that,
you get complete credit checking, A/R maintenance, bad
debt insurance and professional collection services on your
billings. What are those four things costing you now?
The factor won’t tie up your hard assets. He doesn’t need
your bank balances, business history, tax records or credit
rating. Your customer’s credit is what counts, not yours. The
factor just wants you to create more business and add
sales. It’s a win-win situation!
Benefits of Factoring
When bank loans are not available, or your credit line is
maxed out, it is a powerful source of immediate working
capital. Get the feeling of money in your hand NOW! Not in
30 or 45 days. No more having your customers in control of
YOUR cash or profits.
No debt is created, improving your credit rating and your
financial statement’s bottom line. How would that feel to
you? How would your banker look at you? You also get bad
debt insurance, since the factor assumes the liability for
nonpayment of the invoice. What’s that worth to you?
Sounding better all the time?
Get the powerful feeling of putting ALL your attention on
production, sales, marketing and customer service! Get
OUT of the banking and collection business and back to
what you do best! You wouldn’t have you or your staff paint
the office. Why are you or they doing anything which does
not directly drive your business and profits forward?
Will Factoring Work For You?
Answer some questions to yourself.
1. Are you sometimes short of cash?
2. Are your receivables above $50,000 monthly, with invoice
size usually above $500?
3. Could more cash…
o generate more sales?
o increase production?
o increase marketing?
o allow you to take advantage of discounts and
4. If credit and collection chores were gone, could you put
ALL your attention on production, marketing, sales and
5. Would your costs be lowered?
6. Would you be fully back in your business? With higher
profits? More control?
7. Do these ideas excite you? Give you some hope?
Make you enthusiastic? Bring back the feeling you had
when you started your company?
If your answer is YES!, change something!
Factoring can potentially make the difference between
success and failure in your business. Its not new. Tens of
thousands of executives and companies have improved
their lives with factoring.
Do You Qualify for Factoring?
Only you can provide that information. Call a factoring
specialist today. When all it takes is a phone call to see if
this is YOUR road to financial peace of mind, what’s