1. Accounts Receivable Financing
Mortgage Architects Your Mortgage Ladies
4 Northumberland Place, Brampton, ON L6S 4E5 | License #10287
www.mortgageladies.com

2. What is Accounts Receivable Financing?
Accounts Receivable Financing is a financing transaction
whereby a business sells it’s accounts receivable (i.e.
invoices) to a 3rd party (factorer) at a discount for
immediate cash
Mortgage Architects Your Mortgage Ladies
4 Northumberland Place, Brampton, ON L6S 4E5 | License #10287
www.mortgageladies.com

3. Why Use AR Financing?
 Banks lend 70% against accounts receivable, that is aged 60 days
or less. They will also not lend against any USA accounts
receivables
 Growing companies need cash quick to allow for growth and
expansion
 Growing companies have receivables with customers who take a
long time to pay
Mortgage Architects Your Mortgage Ladies
4 Northumberland Place, Brampton, ON L6S 4E5 | License #10287
www.mortgageladies.com

4. Why use AR Financing?
 To meet payroll obligations
 Make Government tax payments
 Keep their suppliers current
 Most large reputable companies pay receivables in 90 to 120
days
Mortgage Architects Your Mortgage Ladies
4 Northumberland Place, Brampton, ON L6S 4E5 | License #10287
www.mortgageladies.com

5. Who would benefit from AR Financing?
 Manufacturing
 Trucking and transportation
 Service Industries
 Staffing Industries
 Agriculture and Farming
 Start-up Industries
 High Growth Industries
 Business that are in transition
Mortgage Architects Your Mortgage Ladies
4 Northumberland Place, Brampton, ON L6S 4E5 | License #10287
www.mortgageladies.com

6. Account Receivable Financing
Mortgage Architects Your Mortgage Ladies
4 Northumberland Place, Brampton, ON L6S 4E5 | License #10287
www.mortgageladies.com
Qualifications:
 Qualifications for factoring are easy because it is based on
the credit worthiness of borrowers customers
Cost:
 Rate of Prime plus 1 – 3%
 Depends on strength of receivable: regularity of use

7. Benefits of A/R Financing
 We can finance USA and International receivables whereas
Canadian banks will not
 We advance up to 90% of the receivable instead of 70% like
banks do
 You can set up lines of credit for future use
CALL US
Mortgage Architects Your Mortgage Ladies
4 Northumberland Place, Brampton, ON L6S 4E5 | License #10287
www.mortgageladies.com

8. About Mortgage Architects
Mortgage Ladies at Mortgage Architects offer custom solutions for
all your mortgage and financial needs. As mortgage agents we
have access to more than 50 different lenders, including most
major banks. Services we provide include First and Second
Mortgages, Mortgage Renewals, Debt Consolidation, Credit
Repair, Vacation/Second Homes, Renovation loans, Commercial
Mortgages and Loans for Investment property
www.mortgageladies.com
Mortgage Architects Your Mortgage Ladies
4 Northumberland Place, Brampton, ON L6S 4E5
www.mortgageladies.com