“Your Cash Flow Acceleration Experts”
CAPITAL MANAGEMENT CONCEPTS WELCOMES YOU
OUR GOAL
We pride ourselves in being your "cash flow acceleration experts." We work with you to customize a program which will quickly alleviate your cash flow crunch.
INDUSTRIES WE SERVE
We serve almost all industries, with the exception of construction and medical. Some examples of our clients include manufacturing, transportation, professional services such as accounting, engineering and legal firms, staffing companies, distributors, marketing/advertising, consultancies, and computer services.
BASIC CRITERIA FOR FUNDING
Must be a B2B (business-to-business) company which issues invoices - as opposed to selling direct to consumers
Should have $25,000 minimum invoicing volume per month, up to $20 million monthly
OVERVIEW
Invoice funding companies offer businesses an alternative to traditional commercial bank financing. We purchase open invoices and provide a large advance, giving your business the opportunity to secure the funding you need for expansion, purchase of additional raw materials, meeting payroll, or simply to cover day-to-day operating expenses.
A wide range of businesses from all across the U.S. have taken advantage of Capital Management Concepts’ low rates and exceptional customer service Each one of our clients has different needs, which are determined by industry and location, as well as their specific customer base.
An oilfield consulting firm located in the southwest has different needs than a trucking company in the heartland, a dental supply distributor in the Midwest, or a light manufacturing plant in the mid-Atlantic region. We serve most industries and types of companies, but have different approaches to providing accounts receivable financing.
We customize a program for each unique business which grows as your company grows. This ensures that you have consistent cash flow to pay your vendors faster, make payroll, invest in new equipment, and have the financial resources to take advantage of major business opportunities such as large new purchase orders.
WHY DO COMPANIES FINANCE RECEIVABLES?
Accounts receivable funding converts your open invoices into working capital without creating debt or adding liability. It does not rely on your credit rating, collateral, or the addition of investors. As a result companies who have faced previous cash flow challenges are more easily qualified for funding.
This type of financing helps companies free up capital that is stuck in unpaid debts. We fund up to 95% of your accounts receivable immediately. This allows the monies owed to you to be working for you, well before they are paid - with rates starting as low as 0.55%.
BENEFITS OF INVOICE FINANCING OVER BANK LOANS OR INVESTORS
You are not creating a debt—instead you are able to utilize the money you would have collected from customers before they make payment.
You can use the funding service for whatever need you have—use the funds to cover payroll and other payments vital to your business, or use it to put your growth plan into action.
You can use it as many times as you need—when a need arises you can utilize the service without having to reapply and it is flexible so it scales up with the growth of your business…without lengthy paperwork.
Your credit rating is not a determining factor—you are not repaying funds, we are simply freeing up your operating capital through invoice funding.
You no longer need to chase your customers for payment—the factoring company now works with your customers for payment of their invoices.
HOW THE PROCESS WORKS
First, you send your invoice directly to your customer, just as you do now.
You also send a copy of that invoice to us.
Then, a letter introducing us to your customers is sent on your letterhead.
As your new Accounts Receivable management company, we confirm the invoice with your customer on your behalf.
Your customer will be asked to send a check to a remittance address, which is our bank lock box.
FREQUENTLY ASKED QUESTIONS
I’m a new business with little or no credit history. Can I still qualify?
Yes. Since it is your customer who pays us, we concentrate more on their creditworthiness. We have helped many companies in their early stages grow into profitable entities.
How is accounts receivable funding different than a bank loan?
During the application and approval process, we focus on the creditworthiness of your customers, while banks focus on your company’s financial history and cash flow. Accounts receivable funding is not a loan; therefore no debt is entered on your company’s balance sheet. We can make a quick funding decision, while banks may take weeks and even months to approve a loan.
How are the rates determined?
We take into consideration many variables some of which include your sales volume, your customers’ credit strength, trends in customer payment cycles, average invoice amounts, and the current climate of your industry.
How long does it take to receive the first funding?
Approval can happen in as quickly as 2 business days and funding as soon as a few hours after account set-up and invoices are received.
Will my customers know that I have financed their invoices?
Although invoice financing has become quite common and most customers have sent many payments to funding companies before, we are virtually transparent. We understand that customers are the most valuable key to business. We intend for you to maintain your customer relationships, so the way we communicate with them is respectfully designed to protect your goodwill.
What if I have a couple of customers that I do not want to include in the funding?
That is fine, you just need to communicate so we know which invoices are not included in the program.
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, so we will never harass your customers. Maintaining your customer relationships is of utmost importance to us. We only succeed if you succeed.
TESTIMONIALS
Our customers say it best.
Our team takes great pride in helping businesses just like yours. We make sure your questions are answered and your needs are met quickly so you can keep your focus on growing your business. But don’t just take our word for it — let our customers tell you why they like working with us. Check out the following testimonials from customers who have benefited from our services:
“I can focus on the growth of my business and no longer worry about cash flow.”
“In a technology driven industry, they allowed us to stay on the cutting edge; ahead of our competitors and beyond our customers’ expectations.”
“Our company has tripled in growth since starting our partnership.”
“We no longer have to make the choice of making payroll or accepting a new job.”
“Everyone on your team went out of their way and owned MY problem.”
“They stepped right up and have done everything they promised and then some.”
“Cash flow helps! If you need help “smoothing out” your cash flow then sign up now. No more waiting at the mailbox for checks to land. Our inside rep has been a pleasure to work with and does a great job for us. Our company has seen nice growth with their help. The best out there. Fast, efficient, honest and cooperative. They truly try to address special needs. There has never been a single hiccup in funding.”
“Great service. I received my funds immediately, as promised, taking my business to the next level!”
“Great customer service and communication.”
“Awesome company to partner with! From the beginning they are very transparent. There have not been any tricks or gimmicks or extra charges. Our rep has been the most helpful and we are very thankful.”
“Attentive, Fast, and Great at What They Do
My experience has been terrific. They've gone above and beyond, worked hard for us, and have been extremely helpful with the process. They are always quick with responses and have made financing our payments for our business seamless. Their percentage fees are fair and they let you know when a company has gone awhile without paying so the fees don't build up. Our inside rep in particular has been a great asset and we feel as though she really works for our company.”
“We have enjoyed our partnership for 4.5 years. They have been great - and are great to work with.”
Summary
Our executive team has over 70 years combined experience in the commercial finance industry. We pride ourselves on our custom tailored funding programs and our ability to offer our services to a wide variety of industries nationwide.
We are known for our personalized customer service. In addition, we utilize the most advanced software program available in the industry to assist us in providing rapid approval and funding.
Time and again, small to medium-sized business owners come to us with the same problem - cash flow. Often, they are a thriving business with no shortage of revenues but their money is tied up in accounts receivable. They haven’t offered term discounts to their customers for paying invoices quickly; they lack the resources to collect on outstanding invoices; or they just received a purchase order for products that they don’t have the funds to produce.
In the past, when faced with these problems, companies would turn to banks for a loan or line of credit. However, recently banks have tightened their lending requirements and are holding on to their money. Businesses that would have been able to get additional financing from their regular sources are finding that their line of credit has been capped or that the bank is no longer interested in real estate as collateral.
These are all situations that we can help to reverse. Not only do we provide free advice for businesses, but we offer workable solutions.
Please also keep us in mind for your industry colleagues, customers and vendors. All companies can benefit from cash flow management at some point during their growth curve. Your recommendation of CMC’s services could help to significantly strengthen a critical supplier or allow a key customer to rapidly expand their sales revenue.
We have been helping businesses turn around their operations, increase efficiency, expand production and grow in great strides for many years. Let us see what we can do for your company!
CAPITAL MANAGEMENT CONCEPTS
"Your Cash Flow Acceleration Experts"
Thank you for visiting!
CONTACT US
Please supply us with some general information about your company. If possible it would be ideal to send your name, position in (or relationship to) the company, the industry, and the estimated monthly invoicing dollar volume. Then we can make contact and start working together on a funding proposal to quickly and greatly improve your cash reserves.
