Consumer accounts receivable financing or retail installment contracts financing allows you to increase your cash flow and working capital by selling the contracts for immediate cash.

Advantages

Our funding program saves time and expense compared to managing the receivables internally. Our flexible and customized plans are designed to deliver the level of services and financial support that's right for you.

By selling your new originations, seasoned portfolios and written-off accounts, your business will have an immediate infusion of cash flow for additional marketing, expansion or new product line offerings. In addition to providing working capital, we can facilitate billing and collection services for your in-house installment contracts that you don’t wish to sell.

Types of Client

Education

• Seminars
• Alternative Learning 
• Nursing
• Real Estate
• College Funding & Planning Services 
• Business Opportunities
• Therapeutic Massage
• Trade & Vocational Schools 
  • Trade & Vocational Schools 
  • Computer
  • Dental Assistant
  • Truck Driving
  • HVAC
  • Culinary Arts
  • Heavy Equipment Training

Medical

• Lasik
• Dentistry
• Plastic Surgery
• Weight Loss
• Hair Procedures
• In-Vitro Fertilization
• Electric Scooters
• Medical Bed
• Body Scanning
• Orthodontia
• Veterinary 
• Emergency Life Saving Device
• Radial Keratotomy

Household

• Jewelry Sales
• Furniture
• Computer
• Piano Sales
• Security Systems
• Water Purification Systems
• Painting, Stucco & Siding
• Vacuum & Air
• Discount Buyer's Club
• Art & Sculpture
• Infomercial Product Sales

Recreation

• Dating Services
• Resort Timeshare  Programs
• Vacation Club Membership 
• Country Club Membership
• Health Clubs
• Fitness Equipment
• Campground Membership
• Travel Clubs
• Martitial Arts

Technology

• E-Commerce
• Internet Accesss
• Internet Appliances
• Electronics
• Digital Photos
• Web Sites
• Computers

Pre-Qualification

To determine if you pre-qualify for standard purchase program, your business should meet the following minimum requirements:

• High gross profit margins to support discount and holdback
• Financing need of at least $25,000 per month
• Operating losses do not exceed 10% of revenue, if any

Alternative programs may be available for businesses that do not meet the above requirements.

Common Parameters

• New and existing consumer installment portfolios
• High gross profit margins to support discount and holdback
• Sell delivered product or future service
• Annual revenues of $1,000,000 to $25,000,000
• $1,000-$10,000 individual contract size 
• Operating losses do not exceed 10% of revenue, if any.
• Minimum monthly financing need of $25,000
• 6 - 48 month contract terms
• Contract bearing higher interest rate helps reduce your discount 
• All credit quality account debtors acceptable
• Personal guarantees not requried for businesses with a strong credit profile
• Facility set up in less than 2 weeks