Resource Business Partners, Inc.

Factoring your

Accounts Receivables

Founded in 1999 by Liz & Randy

Law Firms, Security Firms, PI Firms Commercial Construction (progress billing OK) Answering Service, Trucking, Telecommunications Staffing Firm, Computer Chip Mfg., Janitorial Engineers, Architects, Consulting Firms Textiles, Computer Software, Apparel

Resource Business Partners, Inc. Self Funded Family run + spirit of Entrepreneurship 10th year in business $3 million funds employed / 80 clients $2,000 - $250,000 per month available

Who is Resource Business Partners?

Who is Resource Business Partners?

Senior Senior Business Business

DevelopmeDevelopmentnt

Owner, Owner, Underwriting,Underwriting,& Collections& Collections

Owner, Owner, Operations, Operations, & Collections & Collections

All working together for rapid funding of your ongoing operations

What is Factoring?What is Factoring?

• The process of selling your receivable at a small discount

• You get $$ for your invoices TODAY• The factoring company then waits for

your customer to pay• Factoring is not a loan• Doesn’t show up on balance sheet• Treated as an “early payment” • You can write off the factoring fee as a

“AR discount fee”

When & Why Factor?

When & Why Factor?

Here’s why our clients factor with us…..

“…I use RBP because I don’t want to pay for an AR clerk to chase my invoice payments – RBP does it for me, and I get paid immediately!”

-Workers Compensation Surveillance Investigator

“…I pay my employees & subcontractors on time, even when my clients don’t pay me on time…”

-General Engineering & Construction Company Owner

“…Confidence. That’s what I get. Knowing that RBP will fund my completed projects, I am confident go chase after new clients…”

-Underground Construction Subcontractor

How Factoring Works

How Factoring Works

Here's an example:

Client's invoice: $1,000Cash advanced to client from RBP: $ 800Reserve fund set up for client: $ 200

----------------------------------------- “In 30 days, the customer sent payment to RBP”

-----------------------------------------

Customers payment received by RBP: $1,000RBP returns reserve fund, less fee: $ 150RBP retains fee for service: $ 50

Dispelling the Myths of Factoring

Dispelling the Myths of Factoring

Word Association GameWord Association Game

Our Factoring Philosophy

Our Factoring Philosophy

Here when you need us, gone when you don’tHere when you need us, gone when you don’t

We promise to…We promise to……Get you $$ so you can pay your vendors (and get early pay discounts from them)…Connect you with a team of experts to address structural issues that brought you here…Get your AR ‘turn’ reduced…Work to get you bank qualified…Provide you with excellent references to banks…Not charge termination fees…Give you control, factor what and when you want…Charge the same rate to everyone in our portfolio

…Get you $$ so you can pay your vendors (and get early pay discounts from them)…Connect you with a team of experts to address structural issues that brought you here…Get your AR ‘turn’ reduced…Work to get you bank qualified…Provide you with excellent references to banks…Not charge termination fees…Give you control, factor what and when you want…Charge the same rate to everyone in our portfolio

Why am I at B2B?Why am I at B2B?