The Process

SELL: You provide a service or sell the goods to customers.

A circular business process diagram with six icons depicting financial and communication steps.

SEND: You issue an invoice and send J&D a copy.

VERIFY: We verify the invoice with your customers.

ADVANCE: Within 24 hours, we advance you up to 90% of the value of those invoices.

COLLECT: We collect payment on your behalf, allowing you to run your business.

BALANCE: As we collect, we pay you remaining balances less any agreed upon fees.

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An icon of an envelope with a dollar bill inside, representing money or payment.
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Icon of a handshake with a dollar sign above it, representing financial agreement or deal.
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Icon of a dollar bill, a coin with a dollar sign, and upward arrows indicating increase or growth.

Factoring

How it works at J&D

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Consult with one of our specialists to review your financing needs.

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Fill out an application and submit financial information for approval.

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You will be guided through the process of credit review & invoice submission.

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Once invoices are approved, funds will be deposited directly to your bank account within 48 hours.

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Manage your A/R with online access to your account 24/7.

Benefits

Every business has unique financial needs, and J&D is dedicated to finding a customized financing solution that works for you. Factoring can be an excellent option for businesses that are looking to:

  1. use cash advances to support growth, help pay bills faster or navigate seasonal cash flow strains

  2. reduce overhead and simplify operations by outsourcing back office functions, freeing up time to focus on building and growing the business

  3. steer clear of bad debt, using J&D to review customer orders, analyzing credit and making quick decisions

  4. avoid the red tape and regulations of traditional bank financing while still accessing capital at highly competitive rates

  • We at J&D know the importance of mainting relationships not only with our clients, but also with referral partners. That is why we have been a great solution for many banks across the country - offering flexible financing solutions to their customers when traditional bank financing may not be a fit. If your customers are: start-ups with little or no credit history; companies in high growth mode; businesses with high customer concenctration; or customers who no longer meet the bank standards for lending, J&D can help.

    WHY J&D FOR BANKS:

    • fast approval on funding

    • no requirement that all collateral be subordinated or released

    • banks may retain the deposit accounts and treasury management

    • J&D pays competitive referral fees where applicable

  • CPAs, attorneys, financial consultants, law firms, turnaround lenders, factoring brokers and other alternative lenders among others have all found flexible funding solutions for their prospects and clients.

    WHY J&D FOR BROKERS

    • quick approval

    • 48 hour funding on approval

    • no long term contracts

    • competitive commisions for all eligible referrals

Contact us

Want to see if J&D is a good fit for your client? Contact us and we’ll put together a plan.