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									I hope the following questions and answers will provide you with an understanding of invoice factoring,
what it is, how it works, and how your company can begin this funding process to enhance your working
capital and cash flow.

1. What is Factoring?

Factoring is the purchase of valid Commercial Accounts Receivable [AR] for cash.

2. I thought factoring was used only by companies in trouble?

Factoring gives your business the power to grow, without giving away equity or taking on debt. Contrary
to what you may have heard, factoring is NOT a tool used only by struggling companies. Financially
smart companies use factoring as a powerful tool to release capital tied up in AR.

3. How is factoring different from a loan, say from a bank? Do I have to sign a Personal Guarantee?

Factoring is not a loan; it is the process of purchasing valid Commercial AR [invoices] from your business
at a small discount. Unlike most banks and other factors, there is NO personal guarantee required with
our professional funding services.

4. Does my business qualify for factoring?

Almost every business can qualify. Our guidelines are very simple: if you have AR, due to a sale in a
business to business transaction, you may qualify. Any size invoice can be funded, provided the service
you offer, or the product you sell has been completed and delivered.

5. How will my customers know where to send payment for invoices that I have chosen to factor?

Your customer will be notified to pay us directly. When invoices are factored they will be stamped with
the address to send payment to prior to being mailed to your customer. Your company should never
deposit invoice checks that were already purchased by a factor.

6. Will my company be eligible for accounts receivable funding if it has a bank loan or line of credit?

If a bank has a lien on your company's accounts receivable, you should let us know right away. We will
ask the bank to subordinate that lien. Some banks will accommodate the request and others may
decline depending on your circumstances. Our number one referrals come from loan officers willing to
help out the client in cash flow needs. They are very familiar with this kind of interim financing. The
other alternative is to pay off the loan if there are plenty of receivables to leverage the buy out.

7. How can I be certain that your company will treat my customers well?

The last thing we want is for you to lose a customer. We are not a collection agency. We will never
harass your customers for money. Maintaining your customers' goodwill and confidence are of utmost
importance to us!
Please contact us in confidence today to see how we can assist you with factoring services. Visit or call (561) 882-1331.

Chris is the CEO and founders of Bankers Advocate, a Boutique Sales, Mergers and Acquisitions firm
serving companies with enterprise values up to $30 million dollars. He is a board member of the
Association for Corporate Growth (ACG) and of the Angel Investment Forum, and was the founding
President of the Turnaround Management Association's (TMA) Florida Chapter. Visit or call 516-882-1331. was formed to utilize our business, legal and financial backgrounds. We are made up
of partners and associates who have among other things, owned manufacturing businesses, Mergers
and Acquisitions firms, practiced law and served as the finance manager of a large luxury automobile
dealership. We have all dealt with extreme cash flow issues, rising expenses and shrinking profit

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