What factoring can do for you:

• Put debt-free working capital into your business
• Make up for rising energy and labor costs
• Carry you through times of seasonal or uneven sales
• Fund new advertising and marketing efforts
• Cover payroll, overhead, and cost of goods sold
• Take advantage of vendor discounts
• Focus on niche markets, expand operations, fill large orders
• Free up hours spent invoicing and collecting payments

We are the experts in working capital financing for distributors and wholesalers. Understanding the needs of your industry has been the goal of Universal Funding since the beginning. With so many complex layers to your business, it's enough work for you to stay on top of daily operations and bring in new sales, let alone worry about your cash flow.

Rising energy and labor costs are a few of the most common obstacles distribution companies face. According to a December 2008 press release by RSM McGladrey Consulting, "Distribution companies have taken several measures to account for rising energy costs. Through actions such as better routing, modifications to credit and collections procedures, changes to charge structure for special orders and amending frequency of deliveries, many companies have effectively countered surging expenses."

Finding creative ways to cut costs and stretch marketing dollars are steps savvy business owners are taking to grow their businesses. Improving brand recognition and word-of-mouth marketing can be accomplished by improving customer retention practices. Focusing on a niche market and expanding into other areas are also ways in which sales are increased.

Other common growth strategies include maximizing sales to existing customers through promotions and discounts, adding new customers with fresh marketing efforts, introducing new products and services, and improving operational efficiency by updating systems and facilities.

All of these methods require money and with the credit market as tight as it is, money is not easy to come by. Purchase order financing or invoice factoring can be the solution to the cash flow crunch. When your company is not lacking the business, but lacking the cash flow, Universal Funding can advance you the working capital you need within a few hours of invoicing.

Our services include accounts receivable management, which can free up your accounting department. We handle your invoicing and collections, credit management, and provide you with immediate cash to pay your suppliers and overhead costs. The advantages of factoring are numerous, but the bottom line is cash flow.

Growing companies can turn to Universal Funding for working capital on demand. We can fund start-ups, principals with poor credit, companies that have lost their line of credit and businesses that don't want debt. We have helped companies with seasonal or uneven sales patterns and companies that may be headed for trouble unless they can rescue cash flow.

Universal Funding has the cash solution for businesses large and small, local and national.