OCF FACTORING COMPANY
 - Providing factoring services nationwide
 - Over 70 years of factoring company experience
 - Up to 97% Advance Rates

WHAT SETS US APART 
• Same Day funding on approved invoices
• We do not require a long term contract.
• 97% advance rates; tops in the industry
• Credit analysis on new and existing customers
• Continuous collection management and
   follow up on factored invoices
• Invoice and statement mailing (postage included)
• Account status inquiries anytime;
  24/7 online account access.

Our flexibility allows you to maintain control:
• You select accounts you prefer to factor
   on an invoice by invoice basis.
• You control total factoring costs by only
   factoring on an "as needed" basis.

Up to 97%  Factoring Company 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 from
80% to 97% of the gross invoice amount.

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

OCF provides individualized customer service,
by tailoring our flexible programs to fit the individual
needs of each of our clients. We strive to
be responsive, handling receivables
with speed, efficiency, and a personal touch.

As a client you are assigned one account
administrator who will personally handle
all of your account activity and inquiries.
This gives us the ability to buy your
receivables and get the money to
you within 12 to 24 hours.

Having one person look after your account
also makes it easy for you to decide
which invoices you are going to sell and
when you want to sell those invoices.

Our funding is primarily done by
direct deposit or wire.

OCF has more than 70 years of successful
cash flow and credit management experience,
experience we would love to put to work for you.

To talk with a member of our sales team,
please contact one of our regional offices at:

Toll Free:  888-266-0197

Fax #:  425-702-1874

On-Line Factoring
Request Form

Factoring Home Page
Why Factoring is Necessary
Factoring Benefits
Factoring History
Factoring Comparison
Credit Risk Management
Is Factoring For You
How Factoring Works

YOU GET FLEXIBILITY
THAT NO ONE ELSE OFFERS

We offer tailored processing systems

You can choose to use the latest in technology- based  processing systems
or the old-fashioned paper-based ones
or a combination.

Unlike the others
we don't force you into a box

We will tailor our financing programs to help you make more cash.

Unlike the others 
you get to choose
what works best for you.

We can do this because we have the knowledge,experience,
systems, and
one-of-a-kind financing that is unique in the factoring industry.

Factoring vs. Bank Loans

So, why not simply go over to the friendly banker for a loan to alleviate cash flow problems? A loan can be difficult if not impossible to receive, especially for a young, high-growth operation, because bankers are not expected to decrease lending restrictions soon. The relationships between businesses and their bankers are not as strong or as dependable as they used to be.

The impact of a loan is much different than that of the factoring process on a business. A loan places a debt on your business balance sheet, which costs you interest. By contrast, factoring puts money in the bank without the creation of any obligation. Frequently, the factoring discount will be less than the current loan interest rate.

Loans are largely dependent on the borrower's financial soundness, whereas factoring is more interested in the soundness of the client's customers and not the client's business itself. This is a real plus for new businesses without established track records.

There are many situations where factoring can help a business meet its cash flow needs. It provides a continuing source of operating capital without incurring debt, which can result in growth opportunities that dramatically increase the bottom line. Virtually any business can benefit from factoring as part of its overall operating philosophy.

Every good businessperson must understand the concept and benefits of account receivable factoring in order to operate as profitably as possible. The following chart can help you understand the differences between factoring and other sources of funding.