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Living a Financial Nightmare? Wake Up and Try Factoring

by Eric Barnes

How does it feel to finance your customers for free? With money youve 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?


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? Arent you frustrated always feeling behind the business curve? When your sales are up, why do you have less money in hand? Doesnt your stomach tighten when you look at your bills? And know that you cant keep current because your customers wont? Whatever happened to the joy and excitement you felt when you first got into your business?


Cash is your lifeblood. Without cash, you cant 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? Isnt it strangling your movements and causing you a bundle in lost interest and increased costs? How about inflation losses waiting for your money? Doesnt do much for your peace of mind, does it?

Remember your last cash flow crunch? All that upset when the accounts receivable didnt arrive? The big payment that was going to give you some room to move? And you didnt know when or if it would happen? Helpless feeling, wasnt it? Didnt 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 VisaŽ or MasterCardŽ. Same deal. Youve been involved in factoring for years, every time you whipped out a credit card!

Same Rapid Service

Now you can get the same rapid service for your wholesale business! You get an IMMEDIATE 70-90% advance of whats 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 wont tie up your hard assets. He doesnt need your bank balances, business history, tax records or credit rating. Your customers credit is what counts, not yours. The factor just wants you to create more business and add sales. Its 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 statements 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. Whats 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 wouldnt have you or your staff paint the office. Why are you or they doing anything which does not directly drive your business 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 special offers?
4. If credit and collection chores were gone, could you put ALL your attention on production, marketing, sales and service?
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, whats stopping you?

Mr. Barnes is President & General Manager of Capital Funds Group Ltd., a Canadian based consulting firm specializing in Putting Companies and Money Together. They also work with non-US companies to take them public rapidly and inexpensively, then getting them funded. Visit our Web Site Email Him

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The History of Invoice Factoring Factoring is one of the oldest business practices known. We know that it was used at least as long ago as the time of the Ancient Roman Empire, when merchants would enlist the help of collectors in order to settle trade debts. The primary reason for factorings long history is that it addresses a very fundamental problem in business itself: cash flow. What is Factoring and Invoice Discounting Factoring and invoice discounting (known as debtor finance) can dramatically improve your cash flow by releasing money as soon as you have completed an order and raised an invoice rather than having to wait for your customer to pay. This makes them ideal for funding growth. Because its linked to sales, factoring or invoice discounting is ideal if your business does not have the financial track record or security available to negotiate sufficient overdraft facilities. Why Are Mortgage Notes Discounted Anyway When real estate note brokers purchase partially paid notes, they pay the note holder a discounted price after factoring in the time value of money, the payer history, and property condition. Working Capital is Paramount to a Businesses Livelihood All of the planning in the world is an exercise in futility without the working capital to successfully carry out the plan. If a business sells to customers on terms, then working capital availability is dependent on cash flow timing. In most instances a business will incur a cash flow gap between the time cash is required for inventory, payroll and operating expenses, and the time cash is received from customers paying on terms. Lets explore a simple example of this timing difference that makes up the cash flow gap:

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