REASONS TO SELL 


Individuals and businesses sell income streams (future payments or series of payments-cash flow instruments) for three reasons:

1. Access:
   
   People need or want access to their cash. Sometimes they have a serious need to pay off credit cards, finance long-term medical care, or to settle a divorce. Other times, they simply have a desire to purchase a dream home, take a vacation, buy a new car or boat, finance a wedding, or start a business, for example. In some cases, people want access to their cash just for peace of mind. They no longer want to worry about liquidity issues, collection hassles, or the financial strength of the person who owes the debt.
   
   
2. Interest or Yield:
   
   People will sell their income streams-even for less than face value-because they know that with cash in hand today, they can start earning interest or yield. Interest or yield is what gives us the ability to invest money this year and turn it into an even larger amount of money next year.
   
   
3. Inflation:
   
   Inflation eats away at the future value or "buying power" of money. You can buy more with a dollar today than you will be able to five, ten, or twenty years from now. People sell their income streams because they realize that over time, the payments they receive will drop in real value.
   
   Small payments over a long period of time have less buying power. A Lump Sum of cash today can provide you with financial stability and flexibility. Purchasing Power!

Why Businesses Choose To Factor Their Accounts Receivables:

What are the benefits of factoring your income stream?

It does not create debt on your balance sheet.

It increases your purchasing power, enabling you to do more business.

Eliminates the need for bank loans or SBA Loans.

Improves your credit rating, and gives you cash to meet your obligations.

Eliminates using equipment, real estate or inventory for collateral.

Saves on your in-house staff costs.

Presents a professional image to your clients.

Eliminates the need for venture capitalists or partners that share in decision-making and profits.

Factor ALL of your receivables, or only the ones you choose.

Stop factoring any time you choose without termination penalties.

Start again any time you need the service.

Receive credit reports at reasonable rates.

Why Both Individuals and Businesses Choose To Sell Their Notes:

Why would someone want to sell their note?

There are many reasons why someone would want an expedited payment on their note.

Current enjoyment

To pay off debts

To fund college costs

Other investment opportunities

Major purchases

To pay taxes

Simply tired of collecting payment

 

What is the advantage to selling a note?

Economic factors like inflation and the rising cost of living make money in the future worth less than money today. Today the value of your note(s) will depend on several factors:

The collateral securing the note (if any)

Number of remaining payments

Interest rate (if any)

Credit worthiness of the party making payments to you.

 

Bottom Line: Cash today is worth more than cash tomorrow!      

             
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