merchant cash advances
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Businesses We Work With:

  • Restaurants & Food Services
  • Supermarkets & Grocery Stores
  • Hotels / Motels
  • Autobody / Automotive Repair
  • Convenience Stores
  • Florist & Gift Stores
  • Beauty Salons
  • Dry Cleaning / Laundry Services
  • Nail Salons / Day Spas
  • Bars / Alcohol Service & Sales
  • Furniture / Home Furnishings
  • Retail / Specialty Stores
  • Dentist Offices
  • Doctors / Physician Offices
  • Clothing Stores
  • And More!

  • Business Cash Funding

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    Business Merchant Cash Advance

    Business Funding
    Bank Statement Deposit Funding!

    No Bank Committee Needed For Approval!

    Get The Cash You Need Fast Without Bank Approval. . .

    Is Bank Statement Deposit Funding For You?

    The key to knowing if factoring is for you is to not to look only at the bottom-line factoring fee, but also to consider how your company may increase it's profits through factoring.

    Here is additional information on factoring to help you with your decision.

    How Are Invoice Factoring Fees and Advance Rates Determined?

    It is based on several factors: The creditworthiness of your clients. Your monthly billing volume. Average invoice size. Average days to payment. Fees can range from 2% to 5% of the invoice's face value. For example if the invoice's value is $1,000; a fee of 3% equals $30.

    What Is An Advance?

    The amount of money you receive immediately when we buy your invoice. The balance is returned to you when your customer pays the invoice. Advances range from 60-90% of the invoice's face value. For example if the invoice's value is $1,000 an advance rate of 80% equals $800. The balance of $200 less the factoring fee is returned to you when your customer pays the invoice.

    Comparing Bank Lending Rates to Factoring?

    When compared to bank lending rates, factoring initially appears to be very expensive. Here are five typical questions/concerns that are raised by potential factoring clients

    Wow! 3 points per month! That's 36 percent year! (Rates range from 2 to 5 points) It is tempting to annualize the numbers, but that is an "apples and oranges" comparison.

    Banks loan money at an annualized interest rate, 12 percent per year for example. Factoring purchases your receivables at a discount. The products are different and there are other inconsistencies to this inappropriate comparison.

    The bank provides the money only one time, the day that you receive the loan; factoring provide money continuously. As an example, consider a bank loan for $100,000 at 12 percent. You receive the $100,000 just one time and then pay $1,000 interest per month and you still owe the $100,000.

    Or the bank could provide you with a line of credit that you use only when you need the money but the bank is charging you for that privilege and if you need to increase your line you need to go through the qualifying process all over again.

    When you factor $100,000 each month for a year you have the use of $1.2 million (12 x $100,000) over the year. Unlike a bank loan where you have just $100,000 one time. Assuming a 3 point discount, the fees over the year will be 12 x $3,000 or $36,000, which is still 3 percent of $1.2 million. And at the end of the year you have no debt!

    I'm Only Making 3% Profit, How Can I Pay 3 Points?

    A company making only 3% net profit can do more business volume as a result of factoring, and the larger volume will result in a higher profit margin because fixed costs do not increase with volume. The added business at a higher marginal profit leads to an increased overall profit margin.

    As the volume increases, the cost of production decreases, so that profits increase. Fixed costs i.e., rent, electric, insurance, etc., increase very little or not at all with volume. An increase in business will not affect rent. Electric bills may rise slightly. Workers compensation insurance may rise slightly. These costs do not increase as do direct production costs.

    Let's Do The Math Assuming You Can Double Your Sales

    Without Factoring:
    Monthly Gross Sales $50,000
    Cost of Goods Sold $30,000 60% of Gross Sales
    Monthly Gross Profit $20,000 40% of Gross Sales
    Fixed Expenses $10,000
    Variable Expenses $8,500 17% of Gross sales
    Factoring Fee N/A
    Total Expenses $18,500 37% of Gross Sales
    Monthly Net Profit $1,500 3% of Gross Sales

    With Factoring:
    Monthly Gross Sales $100,000
    Cost of Goods Sold $60,000 60% of Gross Sales
    Monthly Gross Profit $40,000 40% of Gross Sales
    Fixed Expenses $10,000
    Variable Expenses $17,000 17% of Gross Sales
    Factoring Fee $3,000 3% Fee
    Total Expenses $30,000 30% of Gross Sales
    Monthly Net Profit $10,000 10% of Gross Sales

    But I Only Get 80% Of My Money Upfront!

    Advances typically range from 80%-95%!

    Let's assume an advance rate of 80%. Let's also assume that you begin factoring in January. You have factored $100,000, we pay you $80,000 of that money upfront, with the remaining money making up the fee (3%) of $3,000 and the reserve (17%) of $17,000.

    Now in February, you once again factor $100,000 and receive $80,000. However. you also receive your January reserve of $17,000(assuming your customer pay in 30 days). So for February, you actually receive 97% of your money, instead of 80%. In the second month and going forward you are basically receiving 97% of your cash flow.

    But what if my customers take longer than 30 days to pay? You have several options, Assume your client takes 60 days to pay you bill your client in the normal fashion and simply allow 30 days to go by prior to factoring that invoice. That way you pay the 30 day fee. Another way is to factor your faster customers first for the cash you need.

    Factoring for Hundreds of Industries: including factoring for Health Care Staffing, Tansportation, Trucking, Manufacturing, Labor Staffing, Doctors, and many more industries.

    Up to 95% Invoice Factoring Advance Rates:

    Advance rates are based on overall risk associated with a particular industry as well as experience and track record. We hold reserve accounts to accommodate industries which typically experience dilution and that we would otherwise not be able to service.

    Advance Rates Range 80% to 95% Of Gross Invoice Amount!

    Invoice Factoring Fee Structures:

    Fees are determined based on your industry, the credit worthiness of your customers, how quickly your invoices turn, and monthly factoring volume.


    Call For Factoring Information Today at 904-551-6090

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    BRT Financial, Inc.

    • 450-106 State Rd. 13 N, Ste 408
    • Jacksonville, FL, 32259
    • Tel: (904) 551-6090
    • Fax: (904) 513-9229
    • Bus. Hours: 9:00am-6:00pm (EST)