The Ultimate Opportunity!

The IFG franchise is crafted with a high degree of technology. This helps to eliminate the need for support staff. In the majority of cases IFG franchisees/licensees operate as a one person entity. There is no need for staff, so the attendant procedures such as Payroll, H.R. policies, etc. are likewise not required.

Welcome to The Interface Financial Group® - the ultimate professional organization

If you see yourself as an entrepreneur with a desire to help small businesses grow and prosper, while your own business prospers, then the IFG opportunity might be the right vehicle for you.

To receive a detailed overview of IFG contact us today.

the company

The IFG provides financial resources (spot factoring, invoice discounting) to clients in over 30 industries. With over 80 offices across North America and over 45 years of experience, IFG is ready to meet your short-term financing needs. We service companies in the US.

Founded in 1972, IFG enjoyed almost immediate success and began offering franchises in 1990 to meet the growing demand for IFG’s unique invoice discounting and spot factoring system. IFG now has franchisees and licensees located in the United States, Canada, Mexico, Australia, New Zealand, the United Kingdom, the Republic of Ireland, and South Africa.

Our international headquarters are located in Markham, Ontario, Canada, and our North American Head Office and training center is located in Bethesda, Maryland.

The continued growth of IFG is due in large part to the testimonials of franchisees/licensees, who are willing to share their experiences with potential franchisees/licensees as they work through their discovery process.

To receive a detailed overview of IFG, please complete our “Franchise Information Request Form“.

The Ultimate Professional Business!

Imagine earning an excellent above average-return on your capital with minimal marketing, and a work schedule that you control. All accomplished in a business-to-business environment.

IFG offers a unique license model in a MULTI BILLION PESOS INDUSTRY. IFG teach licensees how to be successful because IFG was very successful in the same business for over two decades. We now license what we have created and perfected over many years. We are not in competition with our licensees.
As a successful licensee of IFG you will enjoy not only significant financial benefits but also a quality lifestyle with none of the pressures or limitations associated with a conventional 9-5 job.

Key advantages include:

  • No staff to hire, fire, or manage
  • No storefront to own, lease, or maintain
  • No Inventory to purchase or stock
  • No extensive travel because IFG licensees do business locally
  • Business-to-Business, professional environment with regular business hours of operations
  • Flexibility to relocate for part of the year or permanently and continue doing business


IFG provides specialty financial services for expanding companies. Interface licensees focus on ‘purchasing receivables’ in order to accelerate their client’s cash flow which, in turn, facilitates more rapid growth for IFG clients. To receive a detailed overview of IFG please complete our License Information Request Form.

The Marketplace

The invoice discounting marketplace is part of the factoring ‘financial service’ family. The market continues to grow at a healthy rate, especially at the lower end of the sales volume scale, i.e. the unique IFG market niche.  Since 1972, when Interface began its invoice discounting business, we have enjoyed great success working with smaller emerging companies. Our client profile shows that these companies have sales in the range of 300,000.00+ to about 4 million per annum and have been in business, in some cases, for as little as 5 or 6 months, and usually not much more than 4 years.

Invoice Discounting is a mature financial service, both in North America and on a worldwide basis.

According to the Factoring Year Book 2012, (published by BCR Publishing of Bromley, Kent, England) and Factors Chain International, invoice discounting and factoring have shown a dramatic increase in volume over the past five years. On a worldwide basis, invoices that were subject to discounting or factoring totaled €2,015,000 million in 2011, with over 2,000 companies engaged in this type of business in over 70 countries.

For a detailed overview please complete our, “Franchise Information Request Form”.


Franchisee and Licensee endorsements are always the best references. This is what just a few of our franchisees and licensees have to say about the IFG franchise/license and why they purchased it:

“IFG is uniquely positioned to take advantage of today’s rapidly changing economic and financial needs. The consequence of past lending standards directly plays into IFG’s hands. It has a model that provides an opportunity to control risk while providing an excellent return.”

“I was looking for a challenge and have always had a strong desire to operate my own business. IFG gives me the opportunity to utilize my past banking experience and gives me the chance to run my own business. I enjoy meeting and assisting people in business and IFG gives me opportunities to continue assisting small businesses.”

“Although public accounting has been a rewarding career, it is also a very demanding one. I was looking for more balance in my life. What appeals to me about IFG is no employees, home-based, low overhead, and being my own boss.”

“The last 4 months, since we started our IFG franchise, have proven to be very exciting. Our growth has exceeded our initial business plan. The Interface system has proven to be very straightforward. The IFG team has proven to be very helpful and really performs. “

“It was time to leave the corporate rat race, to gain control over my career and to reap the benefits of my efforts. I was looking for an opportunity to own my own business. I looked at a number of businesses and other franchises and decided I wanted my business to serve small business and IFG fits perfectly.
IFG affords the flexibility I was seeking as a small business owner where I play a direct role in the success of the business. In addition, IFG offers the support I need and is backed by a successful track record. There is a definite need for the service that IFG provides, especially in the current economic situation.”


“IFG has provided us with excellent service for our special financing needs. We had secured a large subcontract on a DOD project and needed special funding to support the staffing requirement. IFG has made the process simple, efficient, and straightforward. There were no surprises and everything went as planned. We are very pleased with IFG and would highly recommend any organizations in need of special and expedient funding to contact IFG to assist them. We continue to do business with IFG. “

“As a new professional services firm with few assets, I was unable to qualify for a traditional loan or line of credit. Using IFG’s invoice discounting services over the prior six months helped me double my staff and get my cash flow under control. I would not hesitate to use IFG again or recommend them to another small business. Thanks. “

“I can’t stress how important using Interface was for my business. IFG was able to purchase receivables from my company and give me cash flow almost immediately to meet a variety of immediate needs. With Interface’s help I was able to protect my credit and maintain good standing with my suppliers while my business was able to continue to move forward to meet the next hurdle. All of this was accomplished at very reasonable rates.”

“We would like to thank you so much for your support. IFG has enabled us to help achieve our mission to serve our customers quickly and very efficiently due to the outstanding service that your company has provided. We feel so fortunate to have you. You have made a major contribution to our company.”

“Services provided by IFG allowed us to capitalize on significant growth opportunities over a short period of time; tripling our workforce, and increasing our revenue tenfold.”

“We are very pleased with services provided by IFG.  Transactions are simple to process and funding and rebates are received in a timely manner.”

For a detailed overview please complete our “Franchise Information Request Form”.


There is no single description for IFG franchisees and licensees. Similarly, there is not one single background or profession that typifies an Interface franchisee or licensee. IFG franchisees and licensees come from very diverse backgrounds.

The following is a partial list of what franchisees and licensees did before Interface:

Software Designer
• Transportation Company Owner
• Physicist
• Retail Store Owner
• Business Broker
• Registered Nurse
• Bond Trader
• Teacher
• Chemist
• Engineer
• Forensic Accountant
• Pharmacist
• Project Manager
• IT Director
• Insurance Executive
• International Sales

• Solicitor
• Importer/Exporter 

Some Interface licensees continue to operate in a business or professional environment in addition to running their Interface unit. Others have chosen ‘semi-retirement’ and golf as the framework for their license setting.

Here are some varied skill sets that make individuals outstanding Interface licensees:

You deal effectively with people and they see you as service-oriented.
You are a strong, above-average communicator.
You can capably evaluate information and make a decision on your findings.
You have a genuine desire to help others successfully meet their business goals.
You are proactive, creative, and appreciate new challenges.
You understand that effort today leads to success tomorrow.
You have a strong business background as well as a demonstrated business aptitude.
You have the financial resources to meet start-up and working capital needs.

If you see yourself as an individual possessing these traits, then we invite you to complete our “Franchise Information Request Form” for further information and the opportunity to share your background with us.

Our Training Mission statement says:

We strive to ensure that all IFG licensees receive high quality training through self-study, formal training, field training, web-based training, modules and the IFG coaching program to ensure their ability to succeed.

Training is the essence of a good startup and Interface endeavors to have licensees operational in the shortest time possible.

Initial training is usually 6 days and is broken down into 3 two-day Modules as detailed below. Additionally, Interface provides ongoing coaching and training for the entire term of a license.

Module 1:

The initial module begins with the licensee conducting a self-directed study session based on the Interface Operations Manuals and under the guidance of senior Interface executives.

Module 2:

Once Module 1 has been successfully completed, licensees attend a 2-day Formal Training session at our US training center located in Bethesda, Maryland. This is Module 2 and focuses on Interface background, transaction methodology, risk management, marketing, credit analysis, marketing and much more.

Module 3:

Module 2 is the third element – Field Training.  Here a senior IFG executive will visit your location for a two-day program to assist you in creating an active Lead Source Referral group started.  This calling program is crafted in conjunction with Head Office personnel.

The cost of training is included in the license fee with the exception of the U.S. portion where the licensee is responsible for travel, lodging, and living expenses.

To receive a detailed overview of ‘IFG’, please complete our, Franchise Information Request Form”.

An interview with David T. Banfield – President of The Interface Financial Group

1. David, can you describe what type of person tends to do well in this business?
“Perhaps the most important thing to remember is that this is a people business long before it is a money business. In order to make this business work, we have to deal with people. Therefore, we seek candidates who have the skill to deal with people at all levels, such as bankers, accountants, small business owners, CEOs, CFOs, or general managers. The one trait shared by anyone who is successful in this business is the ability to communicate. It is absolutely essential.

Second, because this business is financial in nature with a focus on small business, we seek people with good business acumen. The ability to say, ‘been there, done that’ is a very important asset. For example, having been a small business owner is very helpful because one can relate to clients based on real-life experiences. However, being a corporate executive with small business interaction, such as a buyer of goods and services, would also be very beneficial.

Naturally, another compatible skill set comes from seasoned financial professionals. Bankers, lenders, accountants, consultants and financial advisors make good sense in this business, as they know from direct experience some of the difficulties faced by entrepreneurs and growing businesses.

As you can see, these three scenarios encompass a tremendous range of professional experiences, but bear in mind that regardless of which of these backgrounds a person may have, I will again say people skills are paramount.“

2. David, is this a risky business?
“If there was no risk there would be no reward. Every business has a degree of risk associated with it. What is important is how that risk is managed.

At Interface, we have a proven risk management system that has been honed to its present level over almost 40 years. I will share the ‘Colonel’s secret recipe’, if you will, as regards Interface. There are three main areas in our risk management system. First, we only do business with companies who are creditworthy. This may sound obvious, but it is important not to lose sight of this fact. Second, we only do business on a recourse basis. This means that when we buy an invoice from a client, our client contracts with us in writing that, in the event that we do not collect within a predetermined time frame, our client must buy back the invoice at 100% of the face value. Third, we require that the owner of our client company provide us with a personal guarantee.

Therefore, we have a very tightly controlled risk management system that, coupled with the overall Interface system, enables licensees to work in a well-controlled environment.“

3. What happens if a customer just doesn’t have the money to pay?

“This situation does happen, but it is the exception rather than the rule. Before we undertake any transaction we always complete the appropriate due diligence.

Because we operate on a recourse basis with our clients, it becomes the responsibility of the client to take care of the payment. This will happen either by re-purchase of the unpaid invoice or through an exchange mechanism that we have developed. Either way, licensees will always earn their discount.“

4. What is the expected loss ratio?
“I am not aware of any franchisees or licensees that have used our system and lost any money. Of course, the keywords are ‘have used our system’. We provide a proven system, but that does not guarantee that abuse or complacency will not result in potential difficulty. However, if you look after the system, the system will look after you.“

5. Where do I get my clients?
“We have a professional approach to marketing designed to solicit business from professionals. We have found, through surveys of our franchisees and licensees, that approximately 60%+ of all business is the result of referrals. Therefore, our number one (and the initial) marketing thrust is to have our franchisees and licensees develop a lead source referral group.

That group consists of professionals such as loan officers at the bank, non-bank lenders, and CAs. As part of your initial training, we will work with you on a one-on-one basis to develop a block of referrals, and we do this in your location as practical, hands-on marketing training. An Interface senior executive goes into the community with you and begins talking to the types of people I just mentioned.

I want to say that it is important to stay focused on the size of the portfolio that you are trying to create. Remember that this is a capital-driven business, and that means you can only do as much business as your capital will permit. Here’s an example based on historical fact. If you come into this business with a capital base of 100,000, I can tell you now that you will be servicing the needs of two to three clients only. If you increase your capital base to 250,000, you will be servicing about six clients.”

6. How about repeat business?
“Feedback from franchisees and licensees indicates that a typical Interface client utilizes our service for a period of 12-18 months.“

7. How much money do I need to get started in this business, and what will it be used for?
“We encourage all franchisees/licensees to start in a ‘modest’ way as this is a business where you benefit from learning as you go. Therefore, the initial working capital of say 50K over and above the franchise fee is appropriate. You will then add to this as your comfort, experience, and client level grow.

Your other needs to get started with Interface consist of a telephone; fax machine, and computer with high-speed Internet access. You will need to put gas in your car to visit clients as they DO NOT come to you – this facilitates a home-based business environment. Your other cash flow requirements will be a limited amount that you choose to invest in marketing – probably a maximum of 2,000 is a good budget figure.“

8. I have read where Interface has been described as a ‘lifestyle’ venture. Please explain what that means, and help me understand what the pros and cons might be in a ‘lifestyle’ business.
“As we have stated, this can easily be a ‘home-based’ business. Another important feature of an Interface franchise is that, as it is capital driven, a typical franchise/license with say 250K of working capital will probably service only 4-6 clients and so only a limited time budget is required. This size of the portfolio, once it has been created, might require a time expenditure of approximately 20-35 hours per month.

It is important to always remember that your ‘working’ environment is with professionals and business owners. Helping small businesses grow is very rewarding both financially and from a ‘job satisfaction’ viewpoint“.

9. How quickly can I get started?
“Here is a basic chronology. Once you make the decision to go forward, you will sign the license agreement and pay your license fee. Approximately one week later you will receive your Operations Manual by courier. This is an 11-volume set, which consists of over 1,000 pages of information. These volumes cover every conceivable part of the business. As part of your self-directed training, we require that you study, review and absorb this material. Our experience says that there is at least two full days’ worth of work to complete this process, but we also know that it takes about two to four weeks to accomplish this task. Therefore, approximately four weeks after receiving your manuals, we arrange your Formal Training at our Training Center, and then a senior IFG executive comes to your location for Field Training to make calls on local banks and other referral sources. At the end of that training period, you are ‘open for business’“.

10. How do you assist me?
“From a ‘getting started’ point of view, there is the training and marketing assistance that we have already discussed. However, it is important to remember that training never ends. We provide a personalized coaching program, web-based training, transaction guidance and review to name just a few. We strive to provide whatever assistance you need to make your license successful.“

11. Do I get a territory?
“To a certain extent, the nature of this business is non-territorial. If you have a friend, relative or business acquaintance across the country that wants your service, we have no problem with that, and as a matter of fact, we cannot by law deny that relationship. However, from a practical point of view, you will want to do business with referral sources and ultimately clients that are close to your location.“

12. Are there regular meetings or other forms of interaction for licensees?
“We maintain contact via corporate telephone, emails, and newsletters. Our Annual Conference is designed to broaden industry and knowledge and give franchisees and licensees the opportunity to meet and network with their counterparts, as well as the IFG management team.

13. What do you mean by a sense of community?
“This is a franchise and license that thrives on interaction between franchisees/licensees and the franchisor/licensor. Just because you happen to be alone franchisee/licensee in a particular area, you should not think of yourself as operating in a vacuum. You, in fact, are part of a team that is interested in you, your ideas, your suggestions, and your needs. We believe that we are a personable organization interested not only in your professional activities but in you as a person.“

14. OK, what do I do next?
“Now that I have provided you with additional information, I need some additional information from you. If you would complete our Personal Data Questionnaire form, that would help us to evaluate a potential fit. Should you have any questions or concerns about the Personal Data Questionnaire form or its contents, call Rafael Garcia at 0052 55 1105 08690052 55 1105 0869. After receipt, review, and acceptance of this information, we will contact you to start the process.“

Meaningful endorsements for any product or service normally can only come from people that have used the product or service and have first-hand knowledge of the organization that provides that product or service.

We believe the same is true regarding The Interface Financial Group franchise. If you need to really understand the benefits of the franchise and the support that comes with the franchise, then logically Interface franchisees are the best source of information.

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discover Day

The IFG holds regular Discovery Day presentation meetings at our training center in Santa Fe, Mexico. These Discovery Day presentation meetings are held from 10am to 3pm, with a light lunch included.

If you would like to join the next Discovery Day presentation meeting at no charge or obligation, please complete the information below and you will receive an invitation to the next scheduled meeting.

The Franchise with the Difference

Contact us


Del Parque Office Business Center, G.
Gonzalez Camarena 1450 Piso 2,
Of 235 y 237, Centro de Ciudad, Santa Fe, D. F. Mexico 1210
0052 55 1105 0869

USA, Headquarters

7910 Woodmont Avenue Suite 1050
Bethesda, MD 20814
800-387-0860 / 905-475-5701


8901 Woodbine Avenue, Suite 207
Markham, ON L3R 9Y4
800-387-0860 / 905-475-5701


Riverside Business Centre, Riverside House
River Lawn Road, Tonbridge Kent TN9 1EP
0161 791 7210


3 Templewood, Carton Demesne,
Maynooth, County Kildare, Ireland
3531 6286690


Level 32, 8 Exhibition Street
Melbourne, VIC 3000
61 1 300 957 900

new zealand

PO Box 5427, Wellesley Street
Auckland 1141, New Zealand
0800 438 434

south africa

469 Lucky Bean Cresent
Moreleta Park
Pretoria, 0044, South Africa
074 775 6281