John/Bob:

If the Financials support it, and it is apparent that the file WILL end up with an ABL (or a credit facility that will take out the factor and the advances) based on all the determining attributes, I have partners that will BRIDGE the client with an ACH debit. Not dissimilar to a bridge loan in Real Estate, these partners are Private Investors that analyze the files merit- not just the liquidity, which most MCA paper is Underwritten on.

If they feel that it makes sense, they will Bridge the client with an ACH that has favorable terms- and even offer discounts on the factor rate for early pay off. They typically pay 4 points to Originators..

Richard 516 510 3855

www.businesscapitalconsultants.com

775 Park Avenue Suite 255
Huntington, NY 11743