CASH FLOW SOLUTIONS OFFERED TO ALL BUSINESSES:

BILLING & INVOICING:
 
Eliminate your billing and invoicing headaches…forever. It is true that many small businesses insist on doing their billing the old fashioned way. which is to spend those long nights and weekends laboriously preparing invoices. Statistics show that it costs an average of $4.17 for every invoice that you send out. This includes the cost for labor, printing, postage, etc. and that does not include the hassle and inconvenience you experience. Call us and you’ll have your billing signed, sealed and delivered…. At half the cost and none of the hassle. Outsourcing your billing and invoicing can cost upto 72% less and save you 20 to 40 hours a month.

Just look at the advantages of outsourcing your billing and invoicing: ·
 
Reduces non- productive time

· Improves professional image

· Better control over slow payment

· Improves billing accuracy

· Consistent repeat marketing
 
· Reduces overhead costs
 


PRE- AUTHORIZED CHECKING:

As mentioned above, it cost a business $4.17 to issue an invoice and it cost a lot more to collect the money its customer’s owe. Think about the process an invoice has to go through before your company can get the customer’s money into the bank. First you generate an invoice. Then wait for weeks or even months for your customer to send the payment. You must present the check you receive to the bank, which in turn present it to the customer’s bank. These steps really slow down your cash flow. Pre- Authorized checking insures that monthly payments are received on time for each customer signed up on the service. Instead of wondering when, or if your customers’ are going to send in their payments, you receive a pre-authorized check each month on a specified day. You simply take the pre-authorized checks to your bank and deposit them like regular checks. Imagine the efficiency gained when you deposit all of your customers’ pre-authorized checks into your bank like clockwork each month. With pre-authorized checking, there is no computer access into your customer’s checking account . Your customers’ check is recreated on the specified day each month for deposit into your bank. Its’ simply a more efficient way for you to collect your money.

Benefits of Pre-Authorized Checking:

- Non threatening approach (Makes signing up customers’ very easy). You will be control of the checks. There is no chance for the bank to make a mistake on your customers’ account.

- No cost for software, hardware, phone lines or nay of the typical expenses required for electronic fund transfers with a bank.

- Convenience - Service efficiency



FREQUENTLY ASKED QUESTIONS:

Q.What kinds of companies will Pre-Authorized Checking work for?
 
The list is long, but here's an abbreviated list to give you an idea: doctors, dentists, private schools, trash pick-up companies, non-profit organizations, apartments, answering services, janitorial services, trade schools, newspapers, pager and voice mail services, public radio and television stations (for monthly donations), medical equipment stores, alumni associations, tote-the-note auto dealers, rent-to-own stores, lawn care services, marinas and private airports, maid services, music instrument rental stores, cable TV services, buying services... and many others. If you're not sure about your company, ask your automatic payments specialist to consult with you.

Q. Can this program work for me if the amount billed to the customer is different each month?

The program also works well in situations in which the amount owed by customers varies from month to month. The only difference in the program is that you would need to send out a monthly statement to your customers to let them know the amount to be drafted so they could make a note in their checkbook register.

Q. How do you collect from me?

It's very simple. We use the same technology to collect from you that you use to collect from your customers-we simply create a bank draft from your account for the amount of the service fees for a given month. Here is an example to make this absolutely clear. Let's say that you've got 50 customers on Pre-Authorized Checking. Let's say that your monthly invoice to each of these customers is $50 each. Remember, this is just an example, so I'm using round numbers so the math is easy. In your business, the numbers would probably be different. So 50 customers at $50 each would be a grand total of $2,500 collected. Now let's say that the service fee for these drafts was $2.00 each. That would mean that the service fees would total 50 customers times 2 dollars, or $100. We would hand you as stack of 50 checks that totaled $2,500; then, the next day, we would produce a draft, pre-authorized by you, for $100, the amount of the service fees. Your net take would then be $2,400. Not bad considering that you didn't have to send out invoices and you didn't have to wait for payments to come in. Are you starting to see how much time, money, and headache this service can offer you?

Q. How is my customer informed that the check has been submitted and cleared their account?

Your customer's checks are noted in their monthly bank statement. The check will not be numbered as "000" or will not be numbered at all. This way there will not be a conflict with their checkbook numbering system. The on-line bank account statement will refer to this transaction as a "Pre-authorized Check." They can then balance their checkbook as usual.

Q. What is the agreement between you, me, and my customers?

As a Cash Flow Solutions specialist, we print pre-authorized checks on behalf of your customer. Any contractual or cancellation clauses in the agreement will be settled upon prior to initiating your service. We will go over typical arrangements and make suggestions on a course of action. We will not be held liable for incorrect information supplied to the processing center for payments.

Q. Do you have access to my customer's or my account?

The PAC software is proprietary software developed to store information and print checks ONLY. The Processing Center does not have the ability to electronically access any bank account information. The system is a complex database and payment schedule program that queries information and print checks on demand.



CHECKS BY PHONE:

Statistics point toward an ever-increasing use of checks in America. Did you know that 94% of Americans have a checking account but less than 31% have a working credit card (Not over the limit)? Even in today’s high-tech, E-Commerce driven economy paper checks are still the consumers’ preferred payment method. Checks by phone allows you to accept checks from almost every American consumer anytime, over the phone. Accepting your customer’ check over the phone or fax can be as easy as accepting a credit card. Ask your customer for the bank routing and account numbers, which are printed at the bottom of every check. Then our innovative system takes over. Forward the information to us, and our proprietary software will actually print checks for your customers. The checks are then delivered to your for immediate deposit. Depending on the value of checks, we will be able to even make deposits for you.

Benefits of checks by phone:

- Immediate payment for goods and services

- Up to 100% larger market…. Instantly

- Reduced in-house paperwork

- Increased return on advertising

- Solid customer loyalty

- Payment option that costs less than accepting credit cards

- Collection of past due accounts over the phone

- No monthly fees or minimum. Only pay when you use the service.

FREQUENTLY ASKED QUESTIONS:

Q. How Does "Checks By Phone" Work?

Accepting your customer's check over the phone or fax can be as easy as accepting a credit card. Ask your customer for the bank routing and account numbers, which are printed at the bottom of every check. Then our innovative system takes over. Forward the information to your Cash Flow Solutions representative; he or she will then use a proprietary software package that allows us to actually print checks FOR your customers. The checks are then delivered to you for immediate deposit. Depending on the volume of checks, your representative may even be able to make deposits for you.

Q. How Much Does It Cost?

This depends on the volume of checks to be processed. A small percentage rate is typical. There are no minimums or maximums to worry about. Ask your Cash Flow Solutions Representative for details.

Checks By Phone Can Be Used By Almost Any Business:

* Mail Order/Catalog Sales
* Travel Agencies
* Collection Agencies
* Advertising Sales
* Parts Suppliers
* Network Marketing Companies
* Utility Companies
* Television Shopping Networks
* Charity Fund Raisers
* Florists
* Pharmacies
* Delivery Services
* Internet Service Providers
* Day Care Centers
* Your Business!

                                                                                       


THE FOLLOWING SERVICES HAVE BEEN ADDED FOR ALL BUSINESSES :



PROFIT RECOVERY PLAN:

In any business there is always going to be that 2 – 3% that won’t pay, despite everything you do or whatever options you give them. When payments are past due 60 days, we bring in the profit and recovery program. Utilizing the latest internet technology, the power of an attorney and the credit bureau, we provide you a new and unique system which enhances your in-house efforts and gives you a superior alternative to the use of collection agencies.

We use the services of 'MoneyQuest' for our Profit and Recovery services.  MoneyQuest provides clients an efficient process for collections, a process they manage themselves.  The client keeps the control and debtors send money to the client directly and never know that MoneyQuest even exists.  Debtors deal only with the client and the client's Retained Attorney.

The main collection actions in the program are:

Client Letters - A series of letters printed with the clients' return address on check stock paper, that request payment, explain that the clock is ticking, and warn that nonpayment will risk Attorney action and credit bureau impact.

Attorney Letters - A series of letters on the Retained Attorney's letterhead, making it clear that the debt must be paid.

Attorney follow-up - Telephone calls, letters and other actions by the Retained attorney, based on account value and other considerations.

Litigation - A credible risk of legal action, forcing the debtor to take the situation seriously.

Credit Bureau Action - The final step for a nonpaying debtor after exhausting other avenues.

Results:  Most accounts are resolved at the fron end of the process, with client and Attorney letters.  Since this process is backed up by real legal action, these letters are serious - and are taken seriously.

40% Higher recovery 37% Better return 10% Less cost than turning over to a collection agency.  With MoneyQuest we collect more, faster and are cheaper than a collection agency.

FREQUENTLY ASKED QUESTIONS :

Why does 'MaxCollect'  (the program name of MoneyQuest) collect more?
- It gives creditors more and stonger tools than collection agencies - real threats of harm to credit and legal action.
-  Debtors are contacted earlier in the aging cycle, when they are innately more likely to pay...IT HAS TO COLLECT MORE

Why does 'MaxCollect' collect faster?
-  There is a greater impact on debtors.
-  All the money goes directly to you .... IT HAS TO COLLECT FASTER

Why does 'MaxCollect' cost less?
-  With automation and high volue, we are able to perform our services for less.
-  Because we are willing to charge less.


COST SEGRETION SERVICES:

Cost segregation is an IRS -approved application by which commercial property owners can accelerate depreciation and reduce the amount of taxes owed.  This savings generates cash flow that owners often use to reinvest in the business, purchase more property, apply to their principle payment or spend on themselves.

The CSSI Difference:
Once again we use 'MoneyQuest'  to provide this service for us.

Focused:  We are engineers singularly focused on cost segregation.  Our goal is to support your CPA or tax advisor with the most accurate cost segregation study results so you can realize maximum savings and increased cash flow

Affordable:  We provide a method that is affordable for your commerical property application.

Compliant:
Our engineering background allows us to provide not only the best possible results, but also strictly adheres to all IRS guidelines and recommendations.  In addition, we constantly monitor changes to stay upto date on the most current IRS cost segregation rules and regulations.

Independent:
CSSI is classified as an independent engineering specialist meeting the exact specifications stated by the IRS in regard to commercial property owners performing cost segregation applications.

FREQUENTLY ASKED QUESTIONS:

How do I get started with this?
Call your CSSI representative (Advantage Billing Services) to request a no-cost preliminary property analysis to illustrate your potential savings.

How long does this study take?
The process is usually completed in 4 to 6 weeks, after which we provide the CSSI Study to you and your CPA.

Is there anything else I should know?
No.  The CPA will apply the results to your tax return and you will realize your tax savings dollars.  This is your money!



COMMERCIAL LOANS:

You can now apply for a Commercial Loan through us.  We offer loans through 'Interbay Funding LLC' to small commercial businesses from $100,000 to $1 million.

Small bussinesses that have been turned down by the bank because of bad credit or bank may have unacceptable terms  (too much of documentation required)  are the bussinesses that we offer this service to.

Loans are strictly against 'Stated Income, Stated Assets' and Pre-approval within 48 hours with fast closing of as early as 2 weeks!

Documents required for submission  are :
- Loan Request Form
- 1003
- Tri-Merge Credit Report

Appraisal is done through "Mercury Real Estate Services" - Interbays' in-house appraiser.

Call quickly if you are in need of a Commercial Loan.

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