Business Lines Of Credit In The News Money Available Preparation Referral Partners



Bob, whom I have known from Sxxxxx Financial Services work with companies of all sizes all across the nation. We’d love to work with you as well. Inquire today!

Stages of the A/R Funding Process

Application Stage:In order for Bob from Sxxxxxx to prepare an A/R Funding program tailored to fit the needs of your business, we will need you to submit the following items:

  • A completed and signed application.
    General (44.8 KB PDF)
    Trucking  (46.1 KB PDF)
  • Business financial statements for the previous 2 years
  • A current accounts receivable aging
  • A copy of an invoice with all supporting documentation
  • Federal tax returns, both business and personal, for the previous 2 years
  • A copy of your organizational documents (i.e., Articles of Incorporation, Articles of Organization, Partnership Agreement, etc.)
  • Personal financial statement on all owners of 5% or more of the company’s stock
  • An accounts payable aging
  • A customer list with address, and phone numbers.
Proposal Stage:Once we have received the information indicated above, we will prepare a proposal setting forth the terms of the A/R Funding program that our specialists have designed for your business. At that point, you will be asked to submit the following:

  • A signed copy of the proposal (assuming that the terms are acceptable to you)
  • A due diligence fee to cover the costs of underwriting the transaction
  • Additional information requested by our Underwriting Department
Due Diligence and Funding:Upon our receipt of the items requested above, we will proceed with the following steps:

  • Complete the remainder of our underwriting and due diligence analysis
  • Finish all credit, lien and judgment searches
  • Prepare legal documents, including any takeouts of existing lenders
  • Have the contracts signed by your authorized representative
  • Introduce you to your Account Executive in our Operations Department
  • Begin funding on your invoices


Bob’s factoring rates are a fraction of traditional factors. Cash Flow is king in a business. The SBA estimates that 93% of businesses that fail do so because of inadequate cash flow.

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