account receivable factoring and business unsecured loans information http://www.businessandfunding.com info@businessandfunding.com

3. The purchase of accounts
receivables at a discount.
The factor is a person or
business that pays immediate
cash (up to 80%) for business
receivables

4.  Not a loan – sale of an asset
 Faster to fund than traditional loans
 Non dependent on credit rating
 Non dependent on assets
 Startups ok
 Strengthens balance sheet
 Unlimited capital

5.  The more the following applies, the
more factoring will be beneficial:
 Have trouble paying operating
expenses
 Company is growing
 Company is young
 Company is small to mid-size
 Company sells to larger companies

6. Example:
Estimated Factor Rate: 3%
Invoice Amount: $100.00
Fund: $80.00
Remaining: $17.00
Fee: $3.00

7. The rate is way too high
Decrease profit margin, why
would someone pay the factor
rate and cash in less?
Only struggling businesses utilize
factoring

8.  Complete and Current Customer Listing –
includes Primary contact and telephone
number. This is necessary to determine
overall credit of your customer base.
 Current Aged Accounts Receivable
 General Application
 Copies of any contracts you are presently
working on
 3 month bank statements
 1 Void Check Copy

10.  Any type of debt or general obligation
that is not collateralized by a lien on
specific assets of the borrower in the case
of a bankruptcy or liquidation or failure
to meet the terms for repayment
 An unsecured loan means the lender
relies on your promise to pay it back.
They're taking a bigger risk than with a
secured loan, so interest rates for
unsecured loans tend to be higher.

11.  No collateral is needed to secures
the funds
 Repaying on your UBF helps you to
strengthen or build your credit
history. Which is especially great for
small and startups businesses.
 Full freedom over the usage of the
funds

12.  small businesses with little assets
and no property depend on loan
options that are unsecured.
 Small businesses also has no
collateral and has a less than
perfect financial history making
approval for an unsecured business
loan or line of credit unlikely. Thus,
UBF best suite small companies and
startups.

13.  user and password from
tcmonitor.com
 Article of Incorporation
 3 years of tax return
 A complete UBF application form

14. Please call for the latest information or
changes regarding our account receivable
factoring and unsecured business loans.
www.businessandfunding.com
info@businessandfunding.com
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