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Account Receivables Financing

Are Your Unpaid Receivables Causing Cash Flow Problems?

We Give You Both Cash & Customers™!

After cutting costs and borrowing money, there's really only one other way for a business to increase cash flow – Customers. So, why not get back to the basics and focus on Cash & Customers to NOT just survive, but thrive during tough financial times?

Our Cash Flow & Customers™ program rewards you by applying 5% of your paid Account Receivable Fees to our Internet Marketing or Direct Mail Packages.

The Internet Marketing Packages or Direct Mail Packages are custom designed to help you improve cash flow by increasing NEW and existing customer sales. In fact, just a 5% increase in sales may increase your net profit as much as 20%.

To apply you must submit all required applications, forms, and documents. Minimum $25,000 in funding. Our Cash & Customers program is also available with our Unsecured Loans . Offer not valid with any other offers, incentives, gifts, discounts, programs, or specials. All Direct Mail Packages may be substituted for our Internet Marketing Package to help customers and prospects find you online, Follow-up Marketing System to help you stay in touch with customers and prospective customers, Gift/Loyalty Programs, or any of our other services.

Small to medium-sized businesses and start-ups face a unique challenge. They often become victims of their own success. Now that sales are starting to roll in, and they discover this creates an even greater demand for capital as account receivables and expenses increase. Even worse, a business may have enjoyed a bank line of credit for many years. But changes in the financial picture have caused the bank to reduce or not renew the line.

How big is your account receivables problem?

The outstanding invoice calculator below shows you how many extra sales you will have to make in order to recoup the cash flow you lose on a single invoice. For example, if your profit margin is 10%, and a $10,000 invoice is unpaid, then you will have to make another $100,000 worth of good sales to make up the cash flow lost on the one invoice. Shocking, isn’t it? This is a primary reason for businesses having cash flow problems.

Your profit margin	Outstanding Invoices
%	$100	$1,000	$5,000	$10,000	$50,000	$100,000
1%	$10,000	$100,000	$500,000	$1 million	$5 million	$10 million
3%	$3,333	$33,333	$166,666	$333,333	$1.7 million	$3.3 million
5%	$2,000	$20,000	$100,000	$200,000	$1 million	$2 million
10%	$1,000	$10,000	$50,000	$100,000	$500,000	$1 million
15%	$666	$6,666	$33,333	$66,666	$333,333	$666,666
20%	$500	$5,000	$25,000	$50,000	$250,000	$500,000
30%	$333	$3,333	$16,666	$33,333	$166,666	$333,333
40%	$250	$2,500	$12,500	$25,000	$125,000	$250,000
50%	$200	$2,000	$10,000	$20,000	$100,000	$200,000

Note: Account Receivable Financing is much easier than trying to increase sales to make up for lost cash flow.

The Hidden Solution: Account Receivables

Our solution allow businesses that sell on credit terms to benefit from a hidden asset. An asset that most owners do not realize can be used for collateral . . . Account Receivables. The receivables are pledged as collateral and you may draw cash against the eligible accounts receivable at any time. Accounts receivable financing, also known as factoring is not a loan, so there is no need to make monthly payments, create debt, or even decrease your equity.

PLUS, we'll apply 5% of your paid Account Receivable Fees to our Direct Mail Packages to help keep your cash flowing from NEW and current customers.

How are we different?

We don't forced you into one size fits all small business solutions. As your business grows and changes, so will your needs. We can respond to those needs through our extensive service portfolio that encompasses both leading and specialized niche solutions. Therefore, in addition to Account Receivable Financing, we'll help you with Cash Flow Financing, Bartering Excess Inventory or Business Capacity, Cash Flow Management Services, and Small Business Solutions.

You don't have to meet the cash flow, credit, and collateral requirements of traditional lenders. The process is fast and simple and accounts are typically setup in 2-5 days.

Benefits of Account Receivables Financing

Unlimited source of fast and easy working capital when you need it.
Give your customers an incentive to purchase more with better terms.
Hire staff or buy inventory before sales increase enough to cover additional expenses.
Enhance profits with the cash to fund sales, marketing, and advertising efforts. See our Direct Mail Packages.
Take advantage of supplier early payment discounts, volume discounts, or special purchasing opportunities.
No more offering early payment discounts to your customers. Maintain price integrity.
Cash can be used to pay off other debt or fund rapid growth . . . whatever you want.
You don't give up equity as with investment capital or new partners.
Won't impact your ability to qualify for other business financing.
No additional debt, factoring is not a loan (off balance sheet financing). And there's no need to worry about being able to pay back a loan. We get paid when your customers pay you.
You don't have to meet the specific credit, cash flow, and collateral requirements of traditional business lenders or tie up all of your assets for collateral.

All you need to benefit from Account Receivables Financing is to complete the application form(s) and provide a copy of aging report, invoices, and customer contract. Once submitted, we will do the rest. The whole process is easy and you'll receive funding within days of submitting an invoice.

Apply Now for Account Receivable Financing or email us at customerservice@vitalcashflow.com if you have any questions. You may also contact us at (888)465-0247 Ext 703 to find out how doing business with Vital Cash Flow TM may help increase your cash flow with Account Receivables Financing.

Areas We Serve:

(Partial List)

Alabama - AL, Anniston, Oxford, Auburn, Opelika, Birmingham, Hoover, Decatur, Dothan,

Florence, Muscle Shoals, Gadsden, Huntsville, Mobile, Montgomery, Tuscaloosa

Alaska - AK, Anchorage, Fairbanks

Arizona - AZ, Flagstaff, Lake Havasu City, Kingman, Phoenix, Mesa, Scottsdale, Prescott, Tucson, Yuma

Arkansas - AR, Hot Springs, Jonesboro, Little Rock, North Little Rock, Conway, Pine Bluff, Fayetteville, Springdale, Rogers, Fort Smith

Louisiana - LA, New Orleans, Metairie, Kenner, Baton Rouge, Shreveport, Bossier City, Lafayette, Houma, Bayou Cane, Thibodaux, Lake Charles, Monroe, Alexandria

Massachusetts - MA, Worcester, Springfield, Barnstable Town, Pittsfield, Boston, Cambridge, Quincy, Boston/Camb/Brook, Northwest/Merrimack, Metro West, North Shore, South Shore

Maryland - MD, Baltimore, Towson, Salisbury, Hagerstown, Martinsburg, Cumberland

Maine - ME, Portland, South Portland, Biddeford, Bangor, Lewiston, Auburn

Texas - TX, Dallas, Fort Worth, Arlington, Houston, Sugar Land, Baytown, San Antonio, Austin, Round Rock, El Paso, McAllen, Edinburg, Mission, Corpus Christi, Brownsville, Harlingen, Beaumont, Port Arthur, Killeen, Temple, Fort Hood, Lubbock, Amarillo, Laredo, Waco, Longview, College Station, Bryan, Tyler, Abilene, Wichita Falls, Odessa, Midland, Sherman, Denison, Victoria, San Angelo, Texarkana, Dallas/Fort Worth, Mid Cities, North DFW, South DFW

Utah - UT, Salt Lake City, Ogden, Clearfield, Provo, Orem, Logan, St. George

California - CA, Los Angeles, Long Beach, Santa Ana, San Francisco, Oakland, Fremont, Riverside, San Bernardino, Ontario, San Diego, Carlsbad, San Marcos, Sacramento, Arden, Arcade, Roseville, San Jose, Sunnyvale, Santa Clara, Fresno, Oxnard, Thousand Oaks, Ventura, Bakersfield, Stockton, Modesto, Santa Rosa, Petaluma, Visalia, Porterville, Vallejo, Fairfield, Salinas, Santa Barbara, Santa Maria, Goleta, San Luis Obispo, Paso Robles, Santa Cruz, Watsonville, Merced, Chico, Redding, Yuba City, El Centro, Hanford, Corcoran, Madera, Napa, Westside-South bay, SF Valley, Central LA, San Gabriel Valley, Long Beach / 562, Antelope Valley, SF Bay Area, South Bay, East Bay, Peninsula, North Bay

Colorado - CO, Denver, Aurora, Colorado Springs, Boulder, Fort Collins, Loveland, Greeley, Pueblo, Grand Junction

Connecticut - CT, Hartford, West Hartford, East Hartford, Bridgeport, Stamford, Norwalk, New Haven, Milford, Norwich, New London

Michigan - MI, Detroit, Warren, Livonia, Grand Rapids, Wyoming, Lansing, East Lansing, Flint, Ann Arbor, Kalamazoo, Portage, Holland, Grand Haven, Saginaw, Saginaw Township North, Muskegon, Norton Shores, Jackson, Niles, Benton Harbor, Monroe, Battle Creek, Bay City

Minnesota - MN, St. Cloud, Rochester, Minneapolis, St. Paul, Bloomington, Duluth

Missouri - MO, Springfield, Joplin, Columbia, Jefferson City, St. Louis, Kansas City, St. Joseph, St. Charles, Farmington, South County, West County, North County

Mississippi - MS, Jackson, Gulfport, Biloxi, Pascagoula, Hattiesburg

Montana - MT, Billings, Missoula, Great Falls

North Carolina - NC, Raleigh, Cary, Greensboro, High Point, Durham, Winston, Salem, Asheville, Hickory, Lenoir, Morganton, Fayetteville, Wilmington, Greenville, Jacksonville, Rocky Mount, Burlington, Goldsboro, Charlotte, Gastonia, Concord

Virginia - VA, Richmond, Roanoke, Lynchburg, Charlottesville, Blacksburg, Christiansburg, Radford, Harrisonburg, Danville, Virginia Beach, Norfolk, Newport News, Winchester

Vermont - VT, Burlington, South Burlington

Washington - WA, Seattle, Tacoma, Bellevue, Spokane, Olympia, Bremerton, Silverdale, Yakima, Kennewick, Pasco, Richland, Bellingham, Mount Vernon, Anacortes, Wenatchee, Longview

Wisconsin - WI, Milwaukee, Waukesha, West Allis, Madison, Green Bay, Appleton, Racine, Oshkosh, Neenah, Janesville, Eau Claire, Wausau, Sheboygan, Fond du Lac, La Crosse

West Virginia - WV, Charleston, WV MSA, Morgantown, Huntington, Ashland, Parkersburg, Marietta, Vienna, Wheeling, Weirton, Steubenville,

Wyoming - WY, Cheyenne, Casper

District of Columbia - DC, Washington, Arlington, Alexandria, District of Columbia, Northern Virginia, Maryland

Delaware - DE, Dover

Florida - FL, Miami, Fort Lauderdale, Pompano Beach, Tampa, St. Petersburg, Clearwater, Orlando, Kissimmee, Jacksonville, Bradenton, Sarasota, Venice, Cape Coral, Fort Myers, Lakeland, Winter Haven, Palm Bay, Melbourne, Titusville, Deltona, Daytona Beach, Ormond Beach, Pensacola, Ferry Pass, Brent, Port St. Lucie, Tallahassee, Ocala, Naples, Marco Island, Gainesville, Fort Walton Beach, Crestview, Destin, Panama City, Lynn Haven, Punta Gorda, Sebastian, Vero Beach, Palm Coast, West Palm Beach, Saint Augustine, South Florida, Miami/Dade, Broward County, Palm Beach County, Winter Park, Altamonte Springs, Lake Mary, Sanford, Apopka,

North Dakota - ND, Bismarck, Mandan, Fargo, Grand Forks

Nebraska - NE, Lincoln, Omaha, Council Bluffs

New Hampshire - NH, Manchester, Nashua

New Jersey - NJ, Trenton, Ewing, Atlantic City, Hammonton, Vineland, Millville, Bridgeton, Ocean City

New Mexico - NM, Albuquerque, Las Cruces, Santa Fe, Farmington

Nevada - NV, Las Vegas, Paradise, Reno, Sparks, Carson City

New York - NY, Buffalo, Niagara Falls, Rochester, Albany, Schenectady, Troy, Poughkeepsie, Newburgh, Middletown, Syracuse, Utica, Rome, Binghamton, Kingston, Glens Falls, Ithaca, Elmira, New York, Northern New Jersey, Long Island, Catskills, Chautauqua, Elmira-corning, Hudson Valley, New York City, Plattsburgh, Adirondacks, Watertown, Manhattan, Brooklyn, Queens, Bronx, Staten Island, New Jersey, Westchester, Fairfield

Georgia - GA, Atlanta, Sandy Springs, Marietta, Savannah, Macon, Athens, Clarke County, Gainesville, Albany, Dalton, Warner Robins, Valdosta, Brunswick, Rome, Hinesville, Fort Stewart, Columbus, Augusta, Richmond County

Hawaii - HI, Honolulu

Idaho - ID, Boise City, Nampa, Coeur d'Alene, Idaho Falls, Pocatello, Lewiston

Illinois - IL, Peoria, Rockford, Champaign, Urbana, Springfield, Bloomington, Normal, Kankakee, Bradley, Decatur, Belleville, Edwardsville, Fairview Heights, O’Fallon, Collinsville, Alton, Glen Carbon, Troy, Granite City, Cahokia, Columbia, Carbondale, East. St. Louis, Danville, Chicago, Naperville, Joliet, City of Chicago, North Chicago land, West Chicagoland, South Chicagoland, Northwest Suburb

Indiana - IN, Indianapolis, Carmel, Fort Wayne, Elkhart, Goshen, Lafayette, Bloomington, Terre Haute, Anderson, Muncie, Michigan City, La Porte, Kokomo, Columbus, Evansville, South Bend, Mishawaka, Northwest Indiana

Kansas - KS, Wichita, Topeka, Lawrence, Kansas City, Overland Park

Kentucky - KY, Lexington, Fayette, Bowling Green, Owensboro, Elizabethtown, Louisville, Jefferson County

Ohio - OH, Cleveland, Elyria, Mentor, Columbus, Dayton, Akron, Toledo, Canton, Massillon, Springfield, Mansfield, Lima, Sandusky, Cincinnati, Middletown, Youngstown, Warren, Boardman

Oklahoma - OK, Oklahoma City, Tulsa, Lawton,

Oregon - OR, Salem, Eugene, Springfield, Medford, Bend, Corvallis, Portland, Vancouver, Beaverton

Pennsylvania - PA, Pittsburgh, Scranton, Wilkes, Barre, Harrisburg, Carlisle, Lancaster, York, Hanover, Reading, Erie, Johnstown, State College, Lebanon, Altoona, Williamsport, Allentown, Bethlehem, Easton, Philadelphia, Camden, Wilmington

Rhode Island - RI, Providence, New Bedford, Fall River

South Carolina - SC, Columbia, Charleston, North Charleston, Summerville, Greenville, Mauldin, Easley, Spartanburg, Myrtle Beach, North Myrtle Beach, Conway, Florence, Anderson, Sumter

South Dakota - SD, Sioux Falls, Rapid City

Tennessee - TN, Nashville, Davidson, Murfreesboro, Franklin, Knoxville, Johnson City, Morristown, Jackson, Cleveland, Chattanooga, Clarksville, Memphis, Kingsport, Bristol

Relationship Rewards Mile™ and Direct Mail Miles™ Terms: Receive two (2) Direct Mail Miles™ for every dollar you receive from our Unsecured Loans and10,000 Relationship Rewards Mile™ miles each calendar year that you use at least one of VCF's products or services,10,000 Relationship Rewards Mile™ for every NEW customer you refer, and promotional miles throughout the year on all products and services. Redeem miles for our Debit Recovery Services, Check Guarantee Services, Gift & Loyalty Card Services, Credit Card Processing Services, Recurring Billing Services, Direct Mail Services, Multiple Check Payment Guarantee Services, other products/services offered by Vital Cash Flow, or to simply buy down the cost of any NEW business financing. Please allow up to 45 days for Relationship Rewards Miles to be added to your account, once earned.

Redeeming Miles: The number of miles required to redeem for products and services is based on your chosen purchases, multiplied by 100 (e.g., if the cost of the purchase is $100.00, the miles required for redemption will be $100 x 100 = 10,000 Relationship Rewards Mile™ and/or Direct Mail Miles™

All rewards will be calculated as specified above and then rounded to the nearest whole increment. Your account must be open and in good standing (not past due, over limit, fraudulent, restricted, high risk, in collections, or part of a consumer credit counseling program or bankruptcy settlement) to redeem rewards. If payments are received based on sales, Relationship Rewards Mile™ and/or Direct Mail Miles™ may not be added to your account or redeemed if there's a greater than 40% unexpected decrease in your gross sales and/or credit card sales.

Relationship Rewards Mile™ and/or Direct Mail Miles™ don't expire as long as your account is open and in good standing and you have used at least one of our products or services in the last calendar year. Relationship Rewards Miles or Direct Mail Miles can not be combined with any other offers, incentives, gifts, discounts, or specials. Relationship Rewards Miles and Direct Mail Miles may be redeemed for a minimum of 20,000 miles. And, you have the option to donate all or part of your miles to a charity of your choice. Vital Cash Flow has the right to change or cancel all reward programs at any time. However, any earned miles will be honored.

MSNBC.com

Vital Cash Flow Launches New Cash & Customers Program to Help Business Owners Finance and Grow Their Firm

Quick Overview

No Added Debt or Decrease in Equity
No Blanket Liens on All Assets
No Stressful Fixed Payment Schedule
No Recourse if Customers Don't Pay
No Seasonal Business Restrictions
Startups and NEW Businesses are OK
A Solution for Outgrown Bank Credit Lines
Cash Flow Problems are Expected
Bad Credit - Not a Problem
Tax Problems or Bankruptcies are Fine
Invoices are Used as Collateral
Funding in Days After Invoice Submission
Payments are Made By Your Customers
Unlimited Funding Source for Growth
Apply 5% of Your Paid Account Receivable Fees to Our Direct Mail Packages.

Apply Now for Account Receivable Financing

CNNMoney.com

Credit crunch hits small businesses

Problem: Entrepreneurs looking to tap home equity for business capital are facing increased scrutiny from mortgage lenders.

Solution: Sell account receivables for immediate business capital.