We can fund up to 100% of your company's credit-worthy accounts receivable, however, you should fund only what you need, when you need to.

We can fund up to 100 percent of your company’s creditworthy accounts receivable and depending on the industry, we may fund up to 96%* advance. The answer to this question will apply to any factor you deal with. This is very common especially with the first initial funding. If this occurs, the check must be sent to us immediately. There is no need to even endorse it. Your company should never deposit invoice checks that were already purchased by a factor.

We can fund up to 90 percent of your company’s creditworthy accounts receivable and depending on the industry, we may fund up to 92% advance.

Companies with recurring cash flow problems often can't afford to wait 30, 60 or even 90 days for invoice payment. They need cash to meet immediate financial demands of their business. Factoring helps provides this cash by funding the purchase of accounts receivable, often within 24 hours after invoices are created.

Accounts Receivable is a claim against a customer made on credit either for sales of products or for services rendered. Accounts Receivable is considered as one of the vital component, the life blood, of any business operation. Oftentimes, however, it takes the back seat to other less important functions of a business due to lack of a strong, diligent and knowledgeable person to do it. It is not uncommon for many business owners to not have a good handle on how much they have on their books.

Yes, tax problems are handled on a case by case basis. Please let us know immediately so that we can discuss lien subordination with the IRS.

Absolutely, it may be the only option. However, keep in mind that chapter 11 is the only form of bankruptcy that we will consider funding.

We will require a copy of your Articles of Incorporation or other Entity document, a sample invoice & current aging, along with our simple on-line application. Be sure to fax these items as they will assist us in providing the best possible rates & terms for your account. Apply now.

If a bank has a lien on your company’s accounts receivable, you should let us know right away. We will ask the bank to subordinate that lien. Some banks will accommodate the request and others may decline depending on your circumstances. Our number one referrals come from loan officers willing to help out the client in cash flow needs. They are very familiar with this kind of interim financing.

A short application, your company’s most recent accounts receivable and accounts payable aging reports, Articles of Incorporation or d/b/a/ filing, a master customer list and a sample invoice.

It only takes less than 30 days for a backlog to start. If the accounts aren't being worked consistently the chances of collecting a debt can decrease as time passes. Running an up to date Outstanding Claims Report and Aged Receivable is a good indicator as to whether or not all accounts are being worked. Once a bill reaches a 90 day collection bracket the work involved in collecting on that bill also increases.

Not always. Many of our standard factoring programs only require a first position on accounts receivable. In some situations, we may take an available security interest in other assets of your company.

If your group is SA recognized but not SA funded, YES, you do need an AR customer number. If your group is SA funded, NO, you do not need an AR customer number. Please view the Student Org. Billing page.

Yes, that is exactly what our factors or we do. We do not lend you the money - nor do they, we or they make an outright purchase of the financial rights to the invoices at the time of billing.

It will vary depending on the amount you need purchased and what industry you are in. If the amount is under $5,000 per month and you are a service-oriented business, we typically buy them. If the amount is greater than $5,000, then we broker them to any of over a dozen reliable factor groups that we have a good relationship with who have very comptetive rates. In all cases, we will get you the best deal that we can find whether with us or one of our associated factors.

Yes! We do not lend money; we make an outright purchase of the financial rights to your invoices at the time of billing.

Accounts Receivable Factoring is a facility many of our clients use to avoid waiting 30-45-60 days for buyers on account to pay. A Factor essentially buys your invoices at a discounted rate as soon as it can verify the completed shipment with the account debtor (your company’s buyer). For a small percentage of the invoice, your company can take advantage of immediate cash. It is not necessary to Purchase Order Finance a transaction to qualify it for factoring.

If your company sells a product or provides a service to another business, Winston Financial has programs to fit your individual needs.

We at AMBS have found over the years that an acceptable formula for determining your “AR Health” is to multiply your gross average monthly charges by 2.5 to 3. Example: Avg. monthly charges $40,000 x 2.5 = $100,000. If you are at or above this number, there is a chance that you will need to put a greater focus on your “growing AR”. This is something that AMBS has become an expert at doing.

Works for any business that generates invoices for goods or services to other businesses, institutions, or government agencies. This includes all types of manufacturing, distribution, and service industries, as well as the construction industry, and medical providers. If you are a business owner, accounts receivable funding frees you from the lengthy and burdensome process of invoice collection, and gives you the opportunity to collect the money owed to you by your customers immediately.

There are several distinct advantages. First of all, by receiving your money for the invoices you submit within 24 to 48 hours, you would be able to pay your day-to-day expenses--payroll, utilities, supplies and rent--for starters. Also, you could lower your supply costs by taking advantage of cash, volume, or term discounts.

Our clients have real time access to our billing systems which offer many accounts receivable and practice analysis reports. We also upon request can design custom reports specifically designed to meet the needs of your practice.

Approximately 80% of sales are C.O.D. Creditworthy customers are given 25 day terms, at your discretion. Most credit customers will be local car dealers, large body shops, and parts stores such as Auto Zone and Pep Boys. The 1-800-Radiator "Account Collector??? helps the franchisee collect on those accounts efficiently. National accounts like Auto Zone and Pep Boys are collected by 1-800-Radiator and remitted to you. Back to Top

Yes, we require a first lien position on all accounts receivable while you fund with us. We work in conjunction with a bank if they have a first lien on all assets. Most banks will agree to subordinate a portion or specific accounts receivable to us to allow us to fund certain receivables. In most cases, the combination of bank financing and CAFI’s program is beneficial to your company!