Difficulty Collecting Money from Customers

Are You Experiencing Cash Flow Problems Associated with Collecting Money from Customers?

 

 

Difficulty collecting money from customers is one of the top reasons for cash flow problems among small businesses. We offer the following solutions to help you collect money more effectively while improving your cash flow:

 

 

Solutions

 
Debt Recovery

Services

  • Increase your collection percentage with our $12.00 flat rate solution
     

  • Early demands mean better results
  • Reduces time spent by in-house receivables staff

 
Check Guarantee Services
 

 

  • Give your customers the option pay-by-phone, pay-by-fax, or in person with a guaranteed check to improve cash flow.
     

  • Highest approvals in the industry to minimize lost sales

  • Simple claim submittal or electronic check conversion so you focus on sales NOT collections
     

  • Approval on business and personal checks to help you grow your business without worrying about getting paid
     

Learn More About Check Guarantee Services

 
Credit Card Processing Services
  • Allow your customers to pay by credit card to improve collections. Offer a discount for paying by credit card when placing an order. Suggest that customers pay by credit cards to earn rewards from their credit card company.

     

     

     

    Learn More About Credit Card Processing Services

 
Barter Trade Exchange

 

  • Allow your business customers to sell their excess goods and/or services to clear up unpaid receivables. You will then purchase goods and services for your business using trade dollars instead of cash. Best of all, there's no need to offer customers a discount for payment.

 

Learn More About Barter Trade Exchange

 

 
Recurring Billing Services
  • Recurring billing means better customer service, reduced invoice costs, more predictable cash flow and fewer trips to the bank. Use automatic payment schedules to help customers clear up outstanding invoice balances. 

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    Learn More About Recurring Billing Services

 
Account Receivable Financing
  • Sell your account receivables, the income you've already earned, within a few days of creating an invoice. This dramatically improves your company's cash flow by shortening the time it takes to turn your service or product into cash.

Unsecured Loans

  • Enable your business customers to sell a small percentage of their future credit card sales to clear up unpaid receivables.

 
Multiple Check Guarantee
  • Accept 2-4 checks from a customer to be deposited over a specified period of time to increase collections. The checks are guaranteed up to the total maximum approval amount.

 

          Learn More About Multiple Check Payment  

          Guarantee Services

 

 

 

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.

  

  



 

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  MSNBC.com

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