The Only Account Receivable Factoring Offering 97& Advance Rates
Our account receivable factoring company offers our clients the
highest possible level of service.

We fund your receivables with our own company money, not investor money.
This allows us to be more flexible with our factoring company programs.

We take away your cash flow headaches; you get your cash
from your receivables now
and we will wait for your customers to pay.
We can fund start-up companies accounts receivable also

All industries, including factoring for Health Care Staffing, Tansportation,
Trucking, Manufacturing, Labor Staffing, and more.


Our Account Receivable Factoring Program includes the
following features at no additional charge:

? 24 hour funding on approved invoices
? Highest advance rates in the factoring company industry
? Credit analysis on new and existing customers
? Continuous collection management and follow up on factored invoices
? Invoice and statement mailing (postage included)
? Account status inquiries anytime; 24/7 online account access.

With our flexible company Security Agreement
our client maintains control:
? Clients select accounts they prefer to factor on an invoice by invoice basis.
? Clients control total factoring costs by only factoring on an "as needed" basis.

Advance Account Receivable Factoring Rates up to 97%:
Advance receivable rates are based on overall risk associated with a
particular industry as well as experience and company track record.
We hold reserve accounts to accommodate industries which typically
experience dilution and that we would otherwise not be able to service.
Advance rates range from 80% to 97% of the gross invoice amount.

Factoring Account Receivable Fee Structures:
Factoring receivable fees are determined based on your industry, the credit
worthiness of your customers, how quickly your invoices turn, and
monthly factoring volume. To find out how we might structure
a factoring deal for you, please complete our
online account receivable factoring request form.
To talk with a member of our sales team,
please contact one of our regional offices at:
Toll Free: 888-266-0197
and ask for Andrea

Fax #: 425-702-1874

Email: andrea@ocf.com
Account Receivable factoring Website

Account Receivable Factoring. Cash Without Borrowing
Facts On Factoring:
How to Increase Cash Flow Without Borrowing
By Fred Coutts, CPA, CMA

Cash flow is one of the main reasons businesses fail. At one time or another,
every business, even successful ones, have experienced poor cash flow.
Cash flow does not have to be a problem any more. Do not be fooled -- banks are not the
only places you can get funding. Other solutions are available and you do not have to borrow.

What is Account Receivable Factoring?
One solution is called factoring. Account Receivable Factoring is the process of s
elling accounts receivable to an investor rather than waiting to
collect the money from the customer.

Oh, the Irony...
Factoring has an ironic distinction: It is the financial backbone
of many of America's most successful businesses. Why is this ironic?
Because factoring is not taught in business colleges, is seldom mentioned
in business plans and is relatively unknown to
the majority of American business people.
Yet it is a financial process that frees up billions of dollars every year,
enabling thousands of businesses to grow and prosper.

Account Receivable Factoring has been around for thousands of years.
Factors are investors who pay cash for the right to
receive the future payments on your invoices.

An unpaid receivable or invoice has value. It is a debt
your customer has agreed to pay in the near future.

Factoring Principals
Although account receivable factoring deals exclusively with business-to-business transactions,
a large percentage of the retail business uses a factoring principal.
MasterCard, Visa, and American Express all use a form of
factoring in their retail transactions. Using the purest definition of the word,
these large consumer finance companies are really just large factors of consumer paper.

Think about it: You make a purchase at Sears and charge it to your MasterCard.
The store gets paid almost immediately, even though you do not make payment until you are ready.
For this service, the credit card company charges
Sears a fee (typical fees range from two to four percent of the sale).


The Benefits
Account Receivable Factoring can offer many benefits to cash-hungry companies.
Rather than wait 30, 60, 90 days or longer for payment on a product
or service that has already been delivered, a business can factor (sell) its
receivables for cash at a small discount off the amount of the invoice.

Payroll, marketing efforts, and working capital are just a few
of the business needs that can be met with this instant cash.

Account Receivable Factoring provides the means for a manufacturer to
replenish inventory and make more products to sell: There is no longer a need to
wait for earlier sales to be paid. Factoring is not just a cash management
tool for manufacturers: Almost any type of business can benefit from factoring.

Generally, a business that extends credit will have
10 to 20 percent of its annual sales tied up in accounts receivable at any given time.
Think for a moment about how much money is tied up in 60 days' worth of invoices:
You cannot pay the power bill or this week's payroll with a customer's invoice,
but you can sell that invoice for the cash to meet those obligations.

Account Receivable Factoring is a fast and easy process.
The factor buys the invoice at a discount,
usually a few percentage points less than the face value of the invoice.

The Drawbacks
People consider the discount a small cost of doing business.
A four-percent discount for a 30-day invoice is common.
Compared with the problem of not having cash when you need it to operate,
the four-percent discount is negligible. Look at the factor's discount as though
your business had offered the customer a discount for paying cash.
It works out the same.

Companies consider the discount the same way they treat a sales price:
It is simply the cost of generating cash flow, much like discounting
merchandise is the cost of generating sales.

Account Receivable Factoring is a cash flow tool used by a variety of businesses,
not just those who are small or struggling. Many companies factor to reduce the overhead
of their own accounting department. Others use factoring to generate cash,
which can be used to expand marketing efforts and increase production.

Why Account Receivable Factoring Appeals to the Start-Up
Factoring is especially appealing to young and rapidly growing companies.
Since the process shortens their business cycle, these businesses can grow faster.
The ability to make more products to sell while waiting for invoices to
be paid is largely eliminated. Such businesses usually net much more
profit with factoring than without, even when the discount is considered.

Account Receivable Factoring vs. Bank Loans

So, why not simply go over to the friendly banker for a loan to
alleviate cash flow problems? A loan can be difficult if not impossible to receive,
especially for a young, high-growth operation, because bankers
are not expected to decrease lending restrictions soon.
The relationships between businesses and their
bankers are not as strong or as dependable as they used to be.

The impact of a loan is much different than that of the
account receivable factoring process on a business.
A loan places a debt on your business balance sheet, which costs you interest.
By contrast, factoring puts money in the bank without the creation
of any obligation. Frequently, the factoring discount
will be less than the current loan interest rate.

Loans are largely dependent on the borrower's financial soundness,
whereas factoring is more interested in the soundness of the client's
customers and not the client's business itself.
This is a real plus for new businesses without established track records.

There are many situations where account receivable factoring
can help a business meet its cash flow needs. It provides a
continuing source of operating
capital without incurring debt, which can result in growth
opportunities that dramatically increase the bottom line.
Virtually any business can benefit from factoring
as part of its overall operating philosophy.

Every good businessperson must understand
the concept and benefits of factoring in order to operate as profitably as possible.
The following chart can help you understand the
differences between account receivable factoring and other sources of funding.

For more information on factoring and other non-traditional
ways to obtain funding, contact
Fred Coutts at (206) 364-9613 or Fred@FredCoutts.com.
Please visit my website
at Account Receivable factoring Informationfor more information on
powerful funding programs without going through a bank

Fred Coutts, CPA, CMA.