The Cash flow Solution to the Holiday Blues....

Another holiday season, the POs have rolled in, the labor is paid, and now starts the payments to your suppliers. Sound familiar? This is the cycle of life for most US small business owners during the 4th quarter of every year. So what is the solution to this high class problem? In two words... Invoice Factoring.

The small business owner typically writes checks to support everything in their small business. With few real bank loans available to the average business, the owner must fight and scratch for every penny. They often raid their savings, nest eggs, home equity and even their 401k pensions, but to what end? The business will often out strip all this cash and require a professional source of funding. This is where invoice factoring can provide the professional source of funds to keep growing and provide many advantages that a traditional bank line cannot provide.

Invoice factoring's advantages provide:

-higher advances against a businesses collateral

-no liens on homes or other properties like traditional SBA loan's require

-no need for perfect credit scores

-no need for 3 years plus of profitability

-no need for high equity requirements

-no debt to service requirements

-ability to pay suppliers early for a discount

-does create any more debt on your books

-self liquidating loan that requires less cash flow planning

A factoring company can be a great solution to a holiday cash flow crunch so your suppliers and employees are paid in time. Invoice factoring is especially useful in keeping in good terms with your supplier because it allows for timely payments.

Paying suppliers on time also leads to higher business credit scores because invoice factoring us allows the suppliers to even be paid early in many cases. This allows the supplier to report quicker than average repayment ability which will result in a higher score to Experian and Dunn & Brad Street.

Factoring invoices with a factoring company that has experience is really essential and can be a real holiday gift in itself to a business that is growing. To make this a smooth Christmas, please think about these financing options carefully as they are use by millions worldwide.

Stephen Perl, MS, MBA

CFO of 1st PMF Bancorp

"Providing Growing Businesses with Capital for over 30 years"

www.PMFbancorp.com

For more information about www.invoicefactoringus.com