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Invoice Discounting

  • IFG helps you turn your quality current commercial accounts receivable into immediate cash.
  • Our solution converts your sale that may have 30- to 45- day payment terms into a “cash-on-delivery” sale. As a result, you have the funds needed to finance and grow your business.
  • Use the IFG Solution to turn your receivables into growth and profit.
  • The IFG invoice discounting solution provides you with a unique, user-friendly “use-it-as-you-need-it” financing alternative in a cost-effective framework.
  • IFG leaves YOU in control of your business and in control of how much you use the IFG service – there are NO long-term commitments and NO monthly minimums. You sell us accounts receivables only when you need immediate cash.
  • If you are a supplier of goods and/or services and wish to accelerate your cash flow, consider the IFG Solution. Contact Us today for more information.

Benefits of IFG

Invoice discounting through IFG is a user-friendly “use-it-as-you-need-it” flexible financing solution that improves your cash flow and enhances your ability to compete.

Unlike conventional lending sources, like banks and factors, IFG invoice discounting solution is very user friendly. Our solution involves no long-term commitments or recurring monthly minimum invoice discounting volume requirements. You sell us accounts receivable only when you need cash. You do not have to sell us a minimum amount of receivables each month or sell us receivables every month for a one- or two-year contractual period. If you only need a one-time funding, we can provide it.

We help you, as a supplier of goods and services, to turn your quality accounts receivable into instant cash. Our solution essentially converts a sale with 30 to 45-day payment terms into a “cash-on-delivery” sale. As a result, you have the funds needed to finance your next sale immediately – not 30 to 45 days later – and/or to take advantage of vendor discounts (by paying earlier or buying larger quantities). This way you can increase your sales and revenues, accelerate your growth and lower your costs, increasing your profitability. Moreover, our solution allows you to compete on the basis of payment terms (and not just price) – a particularly profitable strategy if you can build in some of the costs of our solution into your pricing structure.

We offer a funding solution for any business that has sales and generates accounts receivable from other businesses and from governmental authorities. Unlike many banks or factors, we do not flatly reject you as a potential client merely because you have not been in business for at least two years. Some of our clients have, in fact, been in business for only a few months.

Our review and approval process does not focus exclusively on your balance sheet. We do not flatly reject you because you have a weak balance sheet or because you have experienced a negative credit event in your recent past. We focus more on the financial strength of your customers (the account debtors) — of those businesses who have an obligation to pay your invoices.

IFG offices are independently owned and operated on a local basis, with experienced executives who respond to the needs of their clients personally. Your local Interface office is your only point of contact, and so things happen quickly. There are no layers of bureaucracy or lengthy review and approval processes.

Contact Us today for more information on how the IFG Solution can benefit you and your business.

HOW IT WORKS

How Does the IFG Solution Work?

The IFG provides your growing small business with short-term working capital financing through a “use-it-as-you-need-it” invoice discounting program.

Our solution system is designed to be user-friendly, incorporating the necessary framework of invoice discounting transactions into simple and straightforward documentation.

The principal documentation required needs to be completed and executed once, prior to the initial funding transaction.

Once the IFG-client relationship is established and the initial documentation executed, the following SIX BASIC STEPS are needed to complete the first funding transaction:

 

With your cooperation, we can complete an initial funding transaction in as little as five business days from the time of your first communication with us. Subsequent funding transactions can be completed in less than 48 hours – since our initial due diligence of your customer and the initial documentation has been executed, our process and documentation is streamlined.

Contact Us today for more information on how the IFG Solution can work for you.

With your cooperation, we can complete an initial funding transaction in as little as five business days from the time of your first communication with us. Subsequent funding transactions can be completed in less than 48 hours – since our initial due diligence of your customer and the initial documentation have been executed, our process and documentation are streamlined.

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The Interface Financial Group will consider funding any business that has sales and generates accounts receivable from other businesses, including early stage companies and governmental authorities. We provide working capital to manufacturers, distributors, importers, exporters, and service providers in almost every industry.

The following is a partial list of some of the types of businesses that IFG is currently funding or historically has funded:

Advertising Agencies
Artwork Suppliers
Caulking & Restoration Services
Clothing Distributors
Commercial Copying Services
Commercial Printers
Computer Suppliers
Courier Companies
Demolition Contractors
Dry Wall Contractors
Electrical Contractors
Electronic Assembly Companies
Electronics Suppliers
Environmental Subcontractors
Equipment Installers
Executive Search
Management Companies
Film Restoration Companies
Food Suppliers
HVAC Contractors
High Tech Recyclers
Industrial Cleaning and Janitorial Services
Information Technology Services
Insurance Restoration Companies
Landscape Contractors
Machine Shops
Manufacturers’ Representatives
Masonry Contractors
Mobile Wash Service Providers
Painting Contractors
Plumbing Contractors
Publishers
Estate Agents
Refrigeration Engineers
Roofing Contractors
Sign Painters
Staffing Companies-Permanent & Temporary
Storage Tank Maintenance and Suppliers
Thermo-Corrosion Contractors
Tile & Carpet Installers
Training Schools
Transportation Companies
Waste Container Manufacturers

As can be seen, our clients come from a very wide range of markets and industries. Here are some of their comments about the Interface service and how it has positively impacted their business:

“Interface Financial Group provided us with excellent service for our special financing needs. We had secured a large subcontract on a government project and had 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 organisations in need of special and expedient funding to contact The Interface Financial Group 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.“

“Developing a strong working relationship with Interface has allowed me to stop worrying about cash flow. Any time I choose I can turn a portion of my receivables into cash. The process is very simple and straightforward.“

“I can′t stress how important using Interface was for my business. Interface 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.“

“Thank you IFG. Your service has been an invaluable aid in getting my business off the ground and running. I′ve been met with nothing short of prompt, courteous, and efficient personnel. Your streamlined system for purchasing receivables couldn′t be simpler. I look forward to doing business with The Interface Financial Group in the future.“

“Interface always has provided funding exactly when agreed upon by both parties and as discussed – no hidden items or fees.“

“Developing a strong relationship with Interface has allowed me to stop worrying about cash flow.
Any time I choose I can turn a portion of my receivables into cash. The process is very simple and straightforward.

-Another Satistfied IFG Client

 

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Interface provides short-term cash flow
Our Invoice Discounting program is a fast, flexible, and cost-effective solution for small businesses facing cash flow challenges. Our clients’ invoices become “cash-on-delivery” sales. There are no long-term contracts or commitments with IFG, no hidden fees or charges, and there are no minimum or maximum volume requirements.

 

Providing short-term working capital is our mission
All too often prospective clients think that since their bank isn’t able to help them with their short-term financial requirements, Interface won’t be able to help them either, or that their financial requirements are too small or too large to be of interest to Interface. In fact, nothing could be further from the truth!

The Interface Financial Group has worked with banking institutions in a complementary fashion for over 40 years. Banks realise that although they may have a quality deposit relationship with a customer, that customer may not meet their lending criteria. However, a simple rejection of a loan request could endanger its deposit relationship. Consequently, bankers often find it necessary to function as a solution provider for that customer.

That’s where IFG can step in.

IFG provides a non-competitive solution, allowing a bank to maintain and even enhance its deposit relationship, while “outsourcing” the customer’s short-term funding needs to IFG.

Benefits of the IFG solution for banks include:

The bank provides a solution, not just a “NO” response
The bank maintains its customer base and improves its deposit relationships; IFG does not take the customer away from the bank
The bank sees increased average daily balances as IFG funds are deposited with the bank
When the bank’s customer becomes creditworthy in accordance with the bank’s lending criteria, the customer will return to the bank for funding because of its strong pre-existing relationship.

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