WHAT IT IS:

Factoring, also called invoice or accounts receivable financing, is a form of secured lending that allows business owners to get the working capital they need to create cash flow by financing their unpaid invoices. By converting receivables into cash, a business owner can control their cash flow without creating debt, because factoring is NOT a loan. Invoice terms can be 30, 60 or even 90 days - for many businesses this is crippling to their growth. Factoring gives immediate access to money for products and services that have already been delivered to customers, and the back office to support collection, processing and payments.

HOW IT WORKS AT J&D:

If we decide that factoring is the best course of action for you, J&D will:

• analyze your customer’s credit, allowing you to make quick, informed supply decisions,

• review and prioritize your customer’s orders,

• handle receivables management and collections, processing and applying payments to your accounts receivable.

Our support means you can focus more time and energy on building and running your business, and less on chasing down payment or worrying about cash flow issues. We have deep understanding of: recourse and non-recourse factoring, international factoring, high-risk factoring, and government factoring, among others. Not sure which is right for you? Contact us to talk through your specific needs. We’re happy to answer your questions, and suggest the best partner for you.

WHAT IT IS:

Purchase Order Financing is a short-term alternative to traditional inventory financing options, allowing companies to pay suppliers or factories directly to produce the goods and ship them to you so that you can meet a shipping window, build an inventory for an upcoming season or fulfill a large order. PO Financing offers a great alternative, in tandem with your existing accounts receivable financing to manage the cash flow challenges of fast-growing companies.

HOW IT WORKS AT J&D:

With J&D’s PO Financing solutions:

• Your customer sends you a purchase order;

• J&D will post a letter of credit to pay your supplier or will purchae the inventory that you need directly for a confirmed sales order, even covering the freight and logistics of getting your product to you or ultimately to your customer

• Once you invoice your customer and they receive the goods you submit the invoice to J&D for factoring

• Your customer will remit remit payment to J&D. We collect our fee and will remit your profit back to you.

BENEFITS OF PO FINANCING:

Our PO Financing platform works in tandem with your existing financing solutions, ensuring that all of your supply chain requirements are covered in a single transaction. Moreover, PO Financing is a terrific alternative for companies facing cash flow challenges, fast-growing or seasonal businesses, companies in a turnaround situation or requiring incremental liquidity to improve trade terms with their suppliers among others.

Contact us to talk through your specific needs.

Businesses often need more than factoring for their cash flow solutions. No need to look aoutside of J&D as we offer alternative funding solutions like business loans and Asset Based Loans (“ABL”) which are revolving lines of credit secured by a companies assets. Through this platform, J&D can provide an alternative to traditional bank or SBA loans.

WHY J&D’S BUSINESS LOANS:

• Flexible- J&D s not restricted by traditional banking regulations, so we have the flexibility to evaluate the underlying value of collateral, look at the entire balance sheet and respond promptly to a company’s specific financing needs.

• Fast- Whether facing limits on borrowing capacity or have simply hit a rough patch, J&D can help support you when you cannot get additional bank debt. Quick access to cash means paying bills faster, expanding business and being able to take advantage of early payment discounts

• Efficient - With J&D providing these loans, all your funding solutions are consolidated withiin a single company, making management and administration even easier.

In the current environment, credit protection is more important than ever. Partnering with J&D and our credit departments, allows you to ensure that your customers are creditworthy and that you will receive the maximum credit coverage on all approved customers.

J&D provides invoice verification through vendor portals, telephone and written correspondence as well as accounts receivable collection services to all its clients. This allows our clients to focus on their day-to-day business operations while J&D collects the funds. With more than 50 years in the industry, J&D’s experience with thousands of customers and retailers often results in quicker receipt of customer payments.