A medium-sized call center was handling customer service calls for an IT company whose sales were growing exponentially. The call center’s rock solid customer was delivering just what the call center needed, more calls.  However, they also needed more people, which posed the problem of hiring and training new personnel.  

With another contract pending, a rainstorm of business possibility was coming down.  As a result, payroll went through the roof and cash flow requirements took off like a rocket.

A small technology and manufacturing company had little capital, but over the years had developed well-established customers with strong credit ratings. Winning a large contract with the U.S. government put their business into a new arena.  Although the company was profitable, the business owner was suffering the stress of continually being on the edge of shutting the doors due to lack of cash flow. 

A commercial cleaning service with a proven 5-year track record and an established customer base of over 30 clients needed help.  They won a profitable cleaning contract through their County.  The County asked for net 30 day terms as part of the bidding process, yet they pay the invoices on an average of 45 days. 

The cleaning service covers their operating costs including weekly payroll with a credit line they have with their primary bank.  So they visited the bank to ask for a credit line increase to cover the additional payroll and supply costs.  The Bank denied the request, because they believed the cleaning company would be unable to pay the higher monthly premium payment on time.  By factoring their invoices, JC Funding was able to help use their invoices as a way to pay off the bank line cap (or ceiling).

When the vice president of a manufacturing firm attended a three-day tradeshow and brought back awesome success, the business needed answers and fast.  How were they going to pay their manufacturers and suppliers?  In order to fulfill these new orders, more employees needed to work overtime and trucks of supplies needed to be purchased, not to mention shipping costs were about to skyrocket. 

The vice president had a dilemma on his hands, despite his weekend trip of success. Instead of drilling down into his new sales, the clock was ticking for him to find the capital to fund all the needed expenditures.  All the while his new customers are knocking on the doors trying to buy new product. 

The vice president focused his attention on a little-known fund machine ATM for his answer.  Unable to borrow from a bank in this economy, he immediately contacted JC Funding. 

Two successful executives in the high-tech industry wanted to exit corporate America and give their entrepreneurial dream a chance, so they formed a company to import and resell computer networking hardware.

Obtaining the first purchase orders was no problem, but the costs associated with importing exceeded the owners' liquidity.   Purchase order financing coupled with account receivable factoring was put in place which gave the company a chance to jump over the first of several hurdles.