Capital Associates

ACCOUNTS RECEIVABLE FINANCING

How Do You Find Out If You Qualify?

It is much like the process you would experience if you were getting a bank line or loan, but much easier. Banks are regulated by federal and state agencies that impose certain restrictions on what constitutes an acceptable account or loan. This acceptability often involves length of time in business and selected financial ratios or benchmarks such as your debt to equity ratio, assets versus liabilities, working capital and profitability as an amount and as a percentage of equity and/or revenue. Capital uses some of the same ratios but in a less restrictive fashion.

With Capital, you complete an application and supply us with financial statements, tax returns and a couple of other financial reports. If you meet our minimum performance requirements we send you documents to sign, notarize and return. Shortly thereafter we are ready to begin advancing cash against your eligible receivables.

How Does An A/R Line Work?

Without going into great detail, you complete and fax, email or mail us a completed and signed Borrowing Certificate along with an A/R Aging Report and we ACH or Wire your advance into your account. When those invoices pay we net it out against your outstanding and you re-establish your credit line limit. We generally advance between 60-80% against your outstanding eligible receivables depending on the nature of your business, the quality of your customers and their paying habits.

Who Can Benefit From Receivable Financing?

A/R financing gives you the ability to improve your growth potential by improving your cash flow. An improved cash flow means an increased ability to meet the daily requirements of doing business. It improves vendor relations and often allows you to take advantage of discounts. If your working capital needs are met the available cash can be used for funding growth, buying equipment, opening new markets, hiring additional personnel or increasing your marketing budget.

Why Finance With Capital Associates?

Capital has specialized in the receivables financing business for over 25 years. We have been recognized for some of our innovative programs and our flexibility in how we specifically structure a customer's financing program. With our range of products, and commitment to customer service, we offer more than a solution. We offer an opportunity.

We look at our customers as partners involved in a relationship to help them grow and succeed in their business. With their growth comes our growth and with an increase in revenue and profits comes our increases in the same. Without them we wouldn't exist so we work very hard to make sure they receive our very best effort and benefit from our ability to meet their financing needs.

	ACCOUNTS RECEIVABLE FINANCING How Do You Find Out If You Qualify? It is much like the process you would experience if you were getting a bank line or loan, but much easier. Banks are regulated by federal and state agencies that impose certain restrictions on what constitutes an acceptable account or loan. This acceptability often involves length of time in business and selected financial ratios or benchmarks such as your debt to equity ratio, assets versus liabilities, working capital and profitability as an amount and as a percentage of equity and/or revenue. Capital uses some of the same ratios but in a less restrictive fashion. With Capital, you complete an application and supply us with financial statements, tax returns and a couple of other financial reports. If you meet our minimum performance requirements we send you documents to sign, notarize and return. Shortly thereafter we are ready to begin advancing cash against your eligible receivables. How Does An A/R Line Work? Without going into great detail, you complete and fax, email or mail us a completed and signed Borrowing Certificate along with an A/R Aging Report and we ACH or Wire your advance into your account. When those invoices pay we net it out against your outstanding and you re-establish your credit line limit. We generally advance between 60-80% against your outstanding eligible receivables depending on the nature of your business, the quality of your customers and their paying habits. Who Can Benefit From Receivable Financing? A/R financing gives you the ability to improve your growth potential by improving your cash flow. An improved cash flow means an increased ability to meet the daily requirements of doing business. It improves vendor relations and often allows you to take advantage of discounts. If your working capital needs are met the available cash can be used for funding growth, buying equipment, opening new markets, hiring additional personnel or increasing your marketing budget. Why Finance With Capital Associates? Capital has specialized in the receivables financing business for over 25 years. We have been recognized for some of our innovative programs and our flexibility in how we specifically structure a customer's financing program. With our range of products, and commitment to customer service, we offer more than a solution. We offer an opportunity. We look at our customers as partners involved in a relationship to help them grow and succeed in their business. With their growth comes our growth and with an increase in revenue and profits comes our increases in the same. Without them we wouldn't exist so we work very hard to make sure they receive our very best effort and benefit from our ability to meet their financing needs. back to top

Capital Associates Inc. 2594 East Barnett Rd, Suite C - Medford, OR 97504 phone: 800-727-3377 fax:541-773-3407 Info@CapitalAssociates.com