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The Merriam-Webster Online Dictionary defines “secret” as:

“1 a: kept from knowledge or view : hidden b: marked by the habit of discretion : closemouthed c: working with hidden aims or methods : undercover d: not acknowledged : unavowed e: conducted in secret 2: remote from human frequentation or notice : 3: revealed only to the initiated : esoteric 4: designed to elude observation or detection 5: containing information whose unauthorized disclosure could endanger national security”.

As used in this article, secret means: revealed only to the initiated; kept from knowledge or view; and designed to elude observation or detection.

The first secret- “revealed only to the initiated” relates to the fact that most schools, even business schools, do not teach the subject of factoring or purchase order financing; most banks do not offer these financing facilities as products. Therefore, it is not surprising that many businesses are unaware of the cash potential that lays dormant in their business invoices.

Let’s suppose you own a small to medium business and you depend on customers paying invoices within a 45-60 day period for your working capital. In essence, you are extending credit like a bank to your customers. For that period of time your cash is tied up in your invoices- your accounts receivable. This limits growth and may create problems regarding meeting payroll and paying your suppliers. Accounts receivable financing is the process of selling your invoices for cash as soon as they are issued which allows you to make more effective use of your assets. Purchase order financing is the process of obtaining a third party commitment to pay your suppliers as soon as products are received by your clients (in advance of payment by you or your client), based on the surety of an accounts receivable financing arrangement.

All businesses are limited in their growth and profits by the amount of capital and cash flow available to take advantage of business opportunities. The availability of virtually unlimited cash creates a powerful paradigm for potential growth. It also can expand your thinking about what business is possible and how you might go out and develop new business.

The second secret- “kept from knowledge or view” relates to the practice of non-notification factoring. Some business people are concerned that working with a factor, an accounts receivable financing company, may not be viewed favorably by their customers. In many cases it is possible to structure a transaction legally so that the accounts receivable financing is transparent to the ultimate customer.

The third secret- “designed to elude observation or detection” has to do with your business plan and how the way you think about the world can affect your success. In 2006 Prime Time Productions produced a film and a book called “The Secret”. The film dramatically describes the “Law of Attraction” which asserts that people’s feelings and thoughts attract real events in the world into their lives. Can your feelings and thoughts attract more business and success? Is the visualization of what you want an aid for manifesting your business goals? Is The Secret “just a new spin on the very old (and decidedly not secret” The Power of Positive Thinking (a book by Norman Vincent Peal written in 1952) wedded to ‘ask and you shall receive’ -as opined by Karin Klein, editorial writer for the Los Angeles Times? Did The Secret fail to discover the real roots of powerful thinking?

In the book, “The Diamond Cutter”, Geshe Michael Roach examines The Budda on Managing your Business and your Life. Roach graduated from Princeton University with honors, studied the ancient wisdom of Tibet and traveled to the Tibetan Lamas at the seat of His Holiness, the Dalai Lama. In 1983 he took the vows of a Buddhist monk.

His teacher encouraged him to enter the world of business. Mr. Roach choose the diamond business. He hid the fact that he was a monk and maintained a façade of a normal American businessman on the outside. The business developed from nothing to a one hundred million dollar per year business.

The original book, “The Diamond Cutter” is the “oldest dated book in the world that was printed rather than being written out by hand. The British Museum holds a copy that is dated A.D 868.” It is a written record of Buddha teachings from over 2,500 years ago. In brief, the central principles are: 1) business should be successful and make money in a clean and honest way; 2) you should enjoy the money and stay in good health; and 3) you should be able to look back ay your business and say your years of doing business had some meaning leaving some good marks in the world. I highly recommend “The Diamond Cutter” vs. “The Secret”.

The bottom line: accounts receivable financing and purchase order financing may be the secrets to your business’ financial success. If you read and follow the principles of “The Diamond Cutter” you can expand your opportunities for exponential growth based on the 2500 year old teachings of Buddha, as explained by Mr. Roach.

Copyright © 2007 Gregg Financial Services

www.greggfinancialservices.com

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Wondering whether you’ll be able to get a loan for your business? Getting a business loan is one of the toughest tasks to accomplish for a company owner. Although banks represent a very cost effective source of funds, they are very selective about the customers they take. This is especially true nowadays were commercial credit at banks is very tight. Most banks will only provide business loans to companies that have a solid track record and substantial assets. But, what if your company does not meet the banks criteria? What is you are a startup or if your company does not have traditional assets such as real estate? One business financing alternative that has been recently gaining traction could be the right solution for you. It’s called accounts receivable financing.

Accounts receivable financing, commonly called factoring, is a type of financing that helps companies that need to wait 30 to 60 days to get their invoices paid. It provides funds to pay employees and suppliers while you wait to get paid by your commercial clients. Accounts receivable factoring is different than a business loan because the factoring company does not lend you money. Rather, the factoring company advances you money based on your open invoices and gets paid once your customer pays.

A typical transaction would work as follows. Once you deliver your product and send the invoice to the client, you submit a copy of the invoice for financing. Within one to two business days, the factoring company advances you about 80% of the invoice. Once your client submits the payment in full for the invoice, you get the remaining 20% less a small fee charged for the service. Costs are usually determined based on the size of the financing line and can go from 2% to 5% for 30 days depending on the specific details of the transaction.

One of the major benefits of receivables factoring is the flexibility that it provides. Your maximum financing line is determined by the invoices you submit and is tied directly to your monthly sales. This means that your financing line increases dynamically, as your business grows. This provides the liquidity you need to stay current on your obligations and enables you to maximize sales opportunities.

Another benefit of factoring invoices is that it’s relatively easy to obtain. The biggest requirement is that you do business with reliable companies (or government agencies) that pay in 30 to 60 days. This is critical because your invoice is the collateral, for lack of a better term, that the factoring company is financing. Aside from that, your business needs to be properly organized and well managed.

Invoice factoring has been around for quite a while and has been gaining traction in recent times as a flexible solution to finance business growth. Due to its structure it’s the ideal source of financing for startup and growing companies alike.

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Do you feel constrained in your business by a sudden cash crunch? Are you weighed down in your small commercial venture with the odds heavily against you? Are the doors of regular financing such as loans and credits closed on you? If your answers to these questions are in the affirmative, then it is time you went for accounts receivable financing. Let these problems not hold you back from succeeding in your business any more.

Basically accounts receivable financing implies selling outstanding invoices or receivables at a reduced rate to a factoring or finance company, which in turn accepts the financial risk on the receivables and offers ready cash for your business. It can become the key to your success in the following ways:

Accounts receivable financing provides your business with a steady and dependable source of flexible working capital. Its various advantages ensure the stability and growth of the business funded by a factoring or finance company.

Factoring invoices helps to get funds faster, which can be used as the capital to cover the operational cost of the company on a daily basis. You might as well be able to minimize overhead by paying some of your own invoices earlier and avail of any discount offered.

Accounts receivable financing gives your company the added advantage of an increased credit rating by supplying surplus funds for not only making payments on time, and sometimes ahead of schedule.

Now that your business has the comfortable capital on hand to operate, it is superfluous to seek outside funding like venture capital. The negative aspect of such funding options is that they usually necessitate the surrendering of equity in the company, which instead now can remain with you. You are also free to reduce the amount of early payment discounts, which they have been offering you so far. This saves their money allowing them at the same time to receive funds, which are necessary to operate. Increased cooperating capital facilitates volume discounts on purchases leading to additional savings.

Accounts receivable financing enables you to free your business resources, with the result that you can now focus on productive activities like selling and further expanding your business. Instead of endlessly waiting for payment from your slow paying customers, you can now afford to devote a considerable amount of time towards building your business.

By obtaining accounts receivable financing in the shortest possible time, after a simple approval process, you are no longer under any obligation to make payments and create a debt like a traditional bank loan.

Say goodbye to long billing cycles as well as the difficult job of collecting money.

With accounts receivable financing, you are at liberty to choose the amount of funding, whether more or less. It is your choice.

Accounts receivable financing is a useful measure to increase your retirement income and protect your vulnerable asset.

In spite of the above attractive features of accounts receivable financing, you cannot take its success for granted. It is an important key to make this program work best to your advantage. It is advisable to consult with a well-informed and experienced attorney, who would carefully read through the lender’s documents and ensure that your business interests are protected.

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For the growth of your business or to meet the cash flow shortages, you have to struggle to attain capital. But, for small business houses, if the loan and credit are limited, then you can opt for accounts receivable financing. Account receivable financing is selling your invoices at a discount to a factoring company, which is prepared to take risks on the receivables and offers instant cash.

Extending payment terms is quite common in the business world. Your company is bound to run in problems, unless you have sufficient cash for business expenses such as rent, salaries and suppliers. The ultimate result would be, either you will settle for low pay orders to conserve cash or delay the payments of your staff and key suppliers.

Obtaining a business loan from bank is quite difficult, unless you have a good record and substantial assets. Banks only lend to organizations, which can provide a profitable operations for many years and a detailed financial statement. Apart from the loan, there would also be a fixed amount. For additional expenses, again you may have to go through the same process.

So the best option would be going for accounts receivable financing also known as factoring, which will pay you immediately to meet your business expenses. Moreover accounts receivable financing can be easily obtained than a bank loan. The work process of receivable factoring is quite simple. It gives you an advance payment, which ranges from 80 to 90% of the invoice depending upon the kind of industry and your clients. Now this advance helps you to pay the current expenses rather than waiting for the delayed payments from the clients. The remaining transaction that is 10 to 20% with a deduction of factoring fee is settled as soon as your client pays the open invoice.

Factoring fees are determined by the amount of financing you receive and on the payment reliability of customers. The monthly cost may vary from 1.5% to 3.5%. Accounts receivable is a cost effective solution and a best tool to make financing and sales grow in your organization. This accounts receivable will also help you to go for better pay orders too.

One of the major benefits of accounts receivable financing is the flexibility. The financing lines of your organization by the invoices you submit are tied directly to your monthly sales. This means that as your financing line increases your business grows. This will provide you cash and enables you to maximize the sales opportunities. Accounts receivable financing helps you to maintain a steady cash flow in your organization. It increases working capital of your business.

You now have control on your money, even if your clients pay after 30 or 60 days. Your running expenses can be easily taken care of. Due to this increased working capital, the factoring financing availability grows automatically. Unlike banks, you don’t need approval every year for additional funding and have a 30 day rest period every year, before drawing on a line. Moreover, you don’t have to pay any kind of monthly loan payments. You can take advantage of trade discounts, which are offered by the suppliers. Now you can concentrate more on the company’s growth than on managing your receivables. This will lead you on the road of success.

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Accounts receivable financing is nothing but selling your outstanding invoices or receivables at a discount either to a factoring or finance company, which assumes risk on the receivables and gives you instant cash for your business. Depending on the age of a receivable, the amount of value is assigned to the account. Business houses use these loans in order to avoid the bad cash flow in the company. Sources for accounts receivable financing could be commercial financial institutions and banks. Accounts receivable is also known as accounts receivable funding or accounts receivable factoring.

This form of financing comes in the category of secured loan, where accounts receivable acts as covenant against cash. As the receivables are collected, the loan is repaid. Accounts receivables have a particular time or an age. A current invoice will pay you more. Any accounts receivable over 90 days are not financed. Thus, the older the invoice the less value it has. Sometimes the lenders don’t pay attention to the age of the accounts, but when they find the accounts is over 90 days, they may refuse to finance. Few lenders may apply a scale to value the accounts, such as accounts which are 31 to 60 days old have loan to value ratio of 60 % and accounts from 61 to 90 days have 30%. Sometimes the overall creditworthiness of the account of debtors may affect the loan to value ratio.

Some of the benefits of accounts receivable financing are:

Free working capital: Most of the companies have the majority of capital tied up inventory. But, accounts receivable financing allows you a free capital tied in inventory.

Instant cash: Accounts receivable funding doesn’t require any kind of business plan or tax statements. Instant cash is provided, which are being used by business houses during a bad cash flow in their organization.

Pass off Collections: Passing off your accounts receivable management to the factoring company will help you to focus on other perspectives of your organization, which can take you to road of success.

Make advantageous purchases: Availability of funds enables you to buy advantageously from suppliers and can take advantage of special offers or discounts.

Before plunging your feet into accounts receivable financing, you should do a thorough research about certain factors. A monthly interest rate is calculated to the daily percentage to the outstanding receivables each day. The lesser the outstanding bills the lower the interest. But a default on payment can let the financier seizing the pledged accounts receivable. In some states a notice is required to be sent to the business’ debtors that their debt has been pledged as loan security. But in some other state, the businesses do not notify the customers because they fear that customers might feel that this method of financing is a sign of instability.

So, before using accounts receivable you should see, that the financial strategy matches with your business plan, and that your business should be ready for more money and expansion and try to explore all kind of sources for small businesses financing. You should spend some quality time to investigate the companies you are working with and analyze contracts to negotiate discounts.

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Many owners of trucking companies often face a very tricky situation. They will have clients who do not pay their invoice before the credit period of 30 to 60 days, while at the same time being in constant need of finance to pay off different expenses. Truck driver’s wages, fuel, and maintenance expenses are areas of immediate financial requirements. Lack of timely payments mean a lack of cash for immediate expenses. Banks may not be able to give quick loans for different reasons. So how do companies meet these expenses? The solution lies in the accounts receivable finance that factoring companies and other financial institutions are ready to provide.

Depending on the financial standing of the clients and the overall rating of the clients, finance companies provide trucking companies with the necessary amount of finance against their accounts receivables. The truck factoring companies buys these accounts receivables and a certain percentage of cash is paid to the clients, which may be up to 90% of the invoice value. These accounts receivables should not be pledged as collateral with any other financial institution. The entire process may take even less than 5 days.

Moreover, by availing finance against the sales of these accounts receivables trucking companies can go ahead with their expenses as well as focus on the growth of their businesses. This amount is not to be repaid. It is not a loan of any sort, and will be discussed further down.

The major advantage is that a trucking company can increase their client base when they have a clear financial record. They can also bid for larger projects. This is the growth opportunity that they can easily take without the worry of a lack of funds. The timely finance that these companies offer provides a major boost for growth. Opportunity need not be lost due to a loan not sanctioned on time. The assets in receivables are converted into cash when the need arises. As the business grows the invoices also increase, and there are more assets that you can factor. It is better than a loan, which shows badly on your balance sheet; you have assets and cash flows that speak of a better financial situation.

The percentage of finance given depends upon the credit standing of your clients and not on your credit rating. Any trucking company with credit worthy shippers or freight brokers is eligible for financing. This way factoring companies can even assist you in selecting clients that have good credit ratings. Moreover the collection is taken care of by these companies, so you need not worry about the collection aspect.

All the collection activities like reminders and visits are taken care of by the factoring company, which lets you focus on the maintenance and growth needs of your trucking business. In addition these companies can help you bring discipline to your accounts procedures and overall finances. They provide you with free credit analysis and reports and accounts receivables statements. Financing fees are not high and may be a percentage of the accounts receivables amounts and other criteria.

Many trucking companies are finding this highly beneficial and are opting for the accounts receivable financing process to grow their business. Even a startup company is welcome to these financial organizations.

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It is not without reason that accounts receivable financing has been consistently gaining popularity. The benefits offered by this type of financing are too good to resist. Using accounts receivable financing improves your company’s financial profile and credit rating in the market. Increasing number of companies is resorting to accounts receivable financing to meet the immediate requirement of funds for the further growth of their business.

The many benefits of accounts receivable can be summarized as follows:

Quicker cash flow: Accounts receivable financing gives you the immediate opportunity of converting your credit sales into immediate cash flow for your business. By getting your outstanding invoices or receivables monetized by a commercial financing company, you are able to get your money when you badly need it. You don’t need to wait weeks and months to receive your dues from your clients. You gain immediate access to working capital for your business.

Quick funding from a financing company gives you the advantage of an enhanced credit rating by virtue of your having the funds available to make timely payments and occasionally even ahead of schedule. Now that your business has the required capital to operate at hand, there should arise no occasion to seek additional funding like venture capital. Unlike venture capital, funding from factoring companies does not require the relinquishment of your equity in the company so equity will now continue to be with you, the business owner.

Focus on your business: An easy access to a working capital frees up your resources giving you greater peace of mind. As a result you can focus on those activities that are more productive like selling and marketing. The time that you have been spending on collecting payment from your unsympathetic clients can now be devoted to building your business.

More user friendly: All businesses, small, medium or large can opt for accounts receivable financing. Setting up accounts receivable factoring lines does not take more than just a few days. Unlike a conventional bank loan you neither make any payments nor do you create debt. Besides, you have the freedom of financing as much or as little as you want. It is directly related to your sales growth. The greater your sales amount the higher would be your financing line. Factoring companies help you obtain cash discounts for payment of accounts payable early, as well as any other debt.

Additional Services offered: Most financing companies offer to manage your entire accounts receivable portfolio that includes invoice processing, reporting and posting. As a result, you have more time available for revenue-generating activities such as sales and marketing. In many cases the factoring company helps you determine the credit rating of your potential clients before you actually start selling to them.

What they actually do is they check the payment history of your clients before you formally sign them up. This significantly reduces the prospect of bad debt as you start getting better clients with a reliable track record. The chances of financial crises such as bankruptcy or your inability to pay taxes on time are eliminated. All this comes to you as a good bonus because you don’t pay any additional fees for such valuable services.

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Finance is the basic requirement of any business- be it a small business or large. There are banks, private financial firms that provide finance to a business. Accounts receivable financing is a kind of safety loan where the company that supplies the material to the clients remains satisfied as it has accounts receivable. Accounts receivable is such a case where a client owes the company whatever material he or she gets from the company, and accounts payable is a reverse case of it where a company owes the money. Accounts receivable financing is the other name of factoring and is considered to be the safest way of dealing with clients and vice versa. Accounts receivable comes in the form of cash or goods or in the form of some services.

Accounts receivable financing has the risk-avoiding factor where a company can receive its finances back in case the clients’ business slows down. Accounts receivable can be sold and company can collect the money through it – this happens in case the business of the borrower shows signs of collapsing. That is why it is called the safety loan. It is seen as a quick financing as in some companies having financial crisis, and, in order to get over this crisis, they might make some policies to sale their resources for attractive (outstanding) invoicing. In quick financing, companies instantly sell out the accounts receivable to manage the monetary issues. There are schemes many accounts receivable schemes in the finance market today.

The age of the accounts receivable is considered as essential factor; fresh invoicing will pay more while the older ones are less paid- so older the invoice less the value. It is usually based on the short-term period and the borrower has to return the amount in staggered time. Accounts receivables can be sold where it has more value. This way company can make profits through it. Accounts receivable come under the title of asset on the balance sheet of a public company as clients have a legal obligation to pay the debts; it is totally a risk free business.

Accounts receivable are not area-specific, i.e. not specific to businesses; even individuals can have them for examples checks given by the employer- company owes them for services provided in advance. For accounts receivable financing a company should have the best invoices. It is quite obvious that accounts receiving have its positive sides like it comes to the help of a company, which is on the verge of collapse for the lack of resources; these facilities can be provided in the form of invoices (and that is why outstanding quality is expected from the invoices) on a discounted price. This amount (cash) in turn helps your business. It is always advisable before getting into the accounts receivable financing; the company should check its status whether it really needs money for its business, and whether it really wants to expand its business.

Accounts receivable, while appearing very profitable outwardly, has to always take the company reviews and work on bargaining for discounts.

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Financing clean technology exports with bank financing, support from the U.S. Ex-Im Bank, and various forms of guarantees and insurance can grow your business, combat global warming and improve our environment.

What is the U.S. Ex-Im Bank?

The U.S. Ex-Im Bank is an independent agency of the U.S. government. It was established in 1934 to finance the export sales of goods and services produced in the USA. Since 1934 it has supported over $450 Billion in exports. The Ex-Im Bank supports short, medium, and long term financing to creditworthy international customers both in the public and private sectors. It provides working capital guarantees to USA exporters. Products include Direct Loans, Guarantees, Export Credit Insurance, and Working capital Guarantees. There are special initiatives of environmental exports.

What is the U.S. Ex-Im Bank Environmental Exports Program?

It provides support for environmentally beneficial exports mandated in their charter. It is a pro-active business development and enhancement to existing programs. It provides long-term loans and guarantees of 10-15 years after project completion. Repayment terms of 15 years are available for renewable energy and water treatment projects. Interest may be capitalized during construction. During the past decade, environmental export funding has increased from $13 million per year to over $2 Billion per year.

What is the Guaranteed Loan Program?

Guaranteed loans are made by commercial banks (U.S. or Foreign banks) to a foreign buyer with a 100% unconditional repayment guarantee form the Ex-Im Bank. The guarantee covers 85% of the U.S. content of the transaction. Banks often finance the 15% required cash payment. The guarantee is available in major foreign currencies.

What can the Ex-Im Bank do for small projects?

The Ex-Im Bank makes credits decisions about potential projects in several ways: based strictly on the balance sheet of the borrower or guarantor; and also as limited recourse project finance with a special purpose company borrower and project cash flows as the source of repayment. Or, as a structured finance transaction with the borrower’s balance sheet enhanced by special Ex-Im Bank features.

What is the Ex-Im Bank working capital guarantee?

It provides a 90-100% repayment guarantee for working capital loans, revolving or transaction based, made by commercial lenders to small businesses to finance export sales. The working capital guarantee serves as the collateral to the commercial lender by mitigating the risk inherent when the source of repayment for the loan is an overseas contract. It enables exporters to finance materials, labor, and overhead to produce goods and services for export. It enables exporters to cover standby letters of credit for bid and performance bonds, or payment guarantees. It enables the exporters to finance foreign sales receivables

The working capital guarantee program may be a transaction-specific facility; or a revolving line of credit. The term is generally up to 1-year and it is renewable. The loan supports advances made against export-related inventory and foreign accounts receivables. The loan advances up to 75% on inventory and up to 90% on foreign accounts receivables.

What are the eligibility requirements for the working capital guarantee program?

Applicants must have business operations in the USA. The USA made product must have a minimum of 51% USA content. The program supports exporters who are manufacturers, trading companies and service companies. There must be a reasonable source or repayment. The company must have a minimum 1-year operating history, positive neat-worth and debt service ability.

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Many people grew up reading Superman comics for fun. Ask yourself, would it be wonderful (think of this as a metaphor) if your B2B business was â??faster than a speeding bullet, more powerful than a locomotive and able to leap tall buildings in a single bound?â? Would your business benefit if you could always have the cash from your invoices when you needed it? Would your business benefit if cash available for growth was virtually unlimited? Would your business benefit if you could â??leap overâ? your cash flow problems to provide more products or services to you customers?

In general, the larger your customers are, the slower they pay your invoices. Itâ??s like the old joke, Question: â??Where does a gorilla sit?â? Answer: â??Anywhere it wants to.â? For example, a small sound engineering company was engaged to provide sound effects for a major motion picture production studio. When asked to comment on their experience working with such a prestigious client, the owner said: â??fear the earsâ?.

It simply is a universal trend that your largest customers may be the slowest to pay you. Do you have to wait 60 to 90 days to be paid by your largest commercial or government customers? If so, accounts receivable financing may be the answer to your cash flow problems.

There are several advantages to accounts receivable financing compared to regular bank financing. Your current credit score, or your companyâ??s credit, is not an issue because the financing entity relies on the creditworthiness of your customer. In fact, some companies that are in the â??Special Assetsâ? division of a bank (which is a euphemism for being asked to leave the Bankâ? are prime candidates for accounts receivable financing. At another extreme, some companies that are in a Chapter 11 Bankruptcy proceeding, (called Debtorâ??s in Possession) can obtain accounts receivable financing with the express permission of the Bankruptcy court.

Accounts receivable financing will grow in terms of your credit limit as your company grows. So if you are with the right commercial finance company, your growth is potentially unlimited. Compare this with regular bank financing which looks at your current situation and your past two years operating history.

Many entrepreneurs are optimistic, energetic and very positive in their predictions about their future. Bank analysts are trained to look at worst case scenarios. Every Bank has to undergo a periodic â??Safety and Soundness Examinationâ?. Part of this process is a team of federal regulators second guessing every loan decision where the bank has granted credit.

Thereâ??s a lot of truth to the old adage that bankâ??s will only lend money to people who donâ??t need it. Banks do not want to suffer the penalties that may be imposed by the federal regulators if they found to have made a â??badâ? loan. So the standards and perspectives of Banks and Commercial Finance Companies are very different.

Accounts receivable financing can provide you with the cash you need within a day or two of your invoicing your customer. Some commercial finance companies have very sophisticated internet based submission systems. You submit the invoice electronically; it is reviewed and verified; and the agreed upon cash advance is wired to you the very same day. Other companies use a paper fax based system but the results are very similar.

Accounts receivable financing terminology can be confusing. The following words have essentially the same meaning: accounts receivable financing, factoring, receivables factoring, factor invoices, discount factoring, asset based lending (usually associated with very large transactions).

The bottom line: if your customers are paying you too slowly, and this is limiting your business growth potential or profits, you should consider accounts receivable financing.

Copyright © 2007 Gregg Financial Services

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