What do you need for day-to-day operations in terms of equipment, technology, documentation, and know-how?

Factoring receivables can be a lucrative business with high returns, but you need to know how to manage the business with minimal overhead. Overseeing employees adds significant additional costs and responsibilities.

This informative ebook is written in the first-person by Jeff Callender, a well-respected small ticket factor who has been in the business since the mid-90s.

Jeff shows simply and clearly how he has run his company year after year with no employees.

Discover how his use of current technology, outsourcing, and common sense can enable you to manage a full portfolio of clients without the expense and complications of a big payroll.

Learn his numerous tips and secrets as to how you can not only enjoy running a very small factoring operation from practically anywhere, but thrive as you do!

Yes, – I want my copy of How I Run My One Person Factoring Business AND the Factoring Company Directory!   Special Bundle Price: $29.96 (Retail $50.90)

Yes, – I want just the copy of How I Run My One Person Factoring Business!  Retail Price: $10.95

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About the Author: Jeff Callender began doing what this book teaches in 1994. He has written books and numerous articles, consulted, and been a public speaker to thousands of people about how to profitably factor small receivables. No one comes close to providing as much information on the subject as he has.

About the Ebook: This book is delivered in PDF format via instant download upon completion of your order.  If you prefer a hard copy please feel free to print for your own use from your printer.

Table of Contents

What The Small Business Owner Must Know to Get Through These Financial Times!

New Book Release by Karlene Sinclair-Robinson, Certified Cash Flow Consultant.

Our current national financial situation makes it even harder for small businesses to qualify for bank financing.

Balancing the scale in this arena is vital, but will it even out for you?

This handy book is here to guide you through the maze of options that might be of benefit to your company.

Instant Download Only $12.95 (or order a hard copy for $24.95 from Amazon here!)

You’ll better understand the various financial options available, and how to access them, including tips on:

• Personal Financing
• Peer-to-Peer Lending
• Microloans
• Asset-Based Loans
• Factoring and Accounts Receivable Financing
• Merchant Cash Advance
• Purchase Order Financing
• Equipment Lease Financing
• Commercial Real Estate Financing
• Venture Capital Financing

You’ll also find valuable information on getting your small business started and the basic principles every owner should know.

Help make your business a success and know your options!

About the Author:

Karlene Sinclair-Robinson resides in Northern Virginia with her husband and two wonderful children, one of whom has been diagnosed with Autism. She spent almost eight years as a business consultant working with small business owners and witnessed their inability to access capital through banks while being unaware of alternative options. She decided to fill the void by writing this book.

Mrs. Robinson is the Managing Member for the business and financial consulting firm, KPR Funding Solutions LLC.

Jeff Callender: As an author and trainer of small factors, over the past year I have received many phone calls from people presently or formerly working in the mortgage industry who have been considering factoring as a new career.

I realized it would be both interesting and educational to have a conversation with someone once involved in the mortgage industry for many years, and who made the jump. In this interview you’ll find his perspective on both worlds, and discover what his life is like now as a smaller factor.

Don, tell us a bit about your personal and work history before you became a small factor and President of Oxygen Funding.

Don D’Ambrosio: I was born and raised in Philadelphia and received my Bachelor of Business Administration degree from Temple University in 1987. I became an accountant and moved to southern California in 1990 to take a position as Corporate Controller with a commercial insurance company.

In 1996 I took the course to become a Diversified Cash Flow Specialist but didn’t go into the cash flow business then; however the basic concepts of this industry have always interested me.

From 1996 through 2007 I worked as a Corporate Controller and later divisional Chief Financial Officer of a mortgage company of a large Wall Street firm with over 20,000 employees. In 2007 I left that world to start Oxygen Funding, Inc., my factoring company where I now work full-time.

What exactly were your responsibilities as a Corporate Controller and divisional CFO with the large national firm?

As Corporate Controller and Chief Financial Officer, I was responsible for all financial aspects of the company including, but not limited to, budgeting, forecasting, pro-forma planning, financial statement preparation, cash flow analysis, taxes and external audits with CPA firms and regulatory agencies. I was also responsible for monthly, quarterly and annual presentations to the Chief Executive Officer, Executive Committee, Managing Directors and Senior Management.

How many people did you supervise and what did your day-to-day work entail?

I had approximately thirty people reporting to me. As an executive each day differed. Typically, there were several key reports that I would review on a daily basis including the company’s cash position, interim profit and loss, month-to-date production and reports relative to the company’s head count, geographic footprint, expenses and pricing of production in the secondary market. I would meet with my managers to analyze what was needed to ensure the company was on target to meet the goals set in the budget.

Did your position there give you a sense of foreboding that something bad was going to happen in the financial world, before it happened? Or were you unable to see it coming?

I saw it coming, absolutely. As a CFO it was almost impossible not to see that things were going from bad to worse. The first real indicator was when newly originated loans started to show an increase in First Payment Defaults. Essentially this is when the borrower fails to make the first payment on his or her loan. As “FPDs” began to increase, the pricing of loans decreased, lowering revenues and profit margins. I could elaborate further but in my judgment this was the “tip of the iceberg”. The most difficult part during the early stages was trying to judge whether this was a short term problem that could be corrected or something much worse. Obviously we all now know the answer to that question.

From your perspective, what was behind the “Mortgage Meltdown” and what was your personal experience inside it?

It is fair to say that the recent mortgage crisis had many similar characteristics to the “Dotcom Boom” that occurred in the late 1990′s. When companies, investors and consumers all start to make quick money in large quantities, it’s a recipe for disaster. The mortgage crisis, however, had a global effect and nearly brought down the world’s financial system.

As to my personal experience, let’s just say the last few years were challenging to say the least. If you are the person that reports the numbers, which are going from bad to worse to catastrophic, it’s not a lot of fun. Losses were mounting, layoffs were numerous and there was no end in sight. Many of our competitors had already shut their doors, morale was at an all time low and the entire feeling was that of impending doom.

You escaped the mortgage crisis personally before it brought down the company you worked for. What led you to move from being a mortgage CFO to a factor?

I always liked the business model of factoring. Unlike the mortgage industry, the factoring industry deals with business to business type transactions. With our factoring clients, we deal directly with the owners of the company. They are very astute about their businesses and know their exact profit margins. After we give them our presentation and explain to them how increasing their cash flow can increase their bottom line, they usually come on board with us.

How is factoring an invoice different from closing a loan?

Getting someone into their first house or helping them refinance an existing mortgage is very gratifying, no question. Unfortunately, when you are an executive in the corporate office, you don’t often meet your borrowers in person or even over the phone. The personal contact is what I like. Also, unlike mortgages, factoring is a repetitive business so you really get to know and work with your clients.

So the personal contact with the people you’re helping makes a huge difference to you?

It really does. Every business that approaches us for assistance with their cash flow is unique. The underlying need may be the same but the situation varies from client to client. Understanding the client’s business, tailoring a program that works for them and witnessing firsthand how Oxygen Funding has helped improve their situation is very gratifying.

Do you find the typical business owner has a better handle on what he or she is getting into with factoring, than the typical consumer trying to obtain a home loan?

It depends. I can make the argument on both sides of that question. Although I was not in sales in my previous position, there were borrowers who knew exactly what they could afford, while others were less adverse to risk. On the factoring side, I have met with CEOs and owners who are very knowledgeable and others who really do not understand what our industry is and how it can help them.

How is the underwriting and decision-making process for accepting or declining a prospective home owner different than it is for a factoring prospect?

When qualifying a home owner you are making an underwriting decision based on the credit worthiness of that person. With a factoring prospect, the decision is weighted highly on the prospect’s customers. In many cases you can have a factoring prospect with little or no credit and still qualify them for a credit line since they have strong creditworthy customers.

What skills or insights did you bring from your previous work that have helped you with factoring?

It helps when you understand the numbers. When I meet with a prospect and understand their margins and can explain how Oxygen Funding can increase their bottom line, it is a huge benefit. Also, having the ability to read tax returns and financial statements is a definite plus in assisting our due diligence team.

What have you had to learn that you didn’t know as a mortgage professional?

There was definitely a learning curve when I first got into the factoring business. You can read books and go to classes but in the end nothing beats firsthand experience. For starters, to become a recourse factor in the state of California you have to complete a forty-three page application, obtain an insurance bond, get finger printed and have the application signed and notarized. The entire process with the state was definitely a learning experience.

How is your daily work the same and how is it different, as a smaller factor compared to what it was in your mortgage job?

In many ways it is the same since we are evaluating a risk and qualifying a client for financing. How it differs is that I now have an opportunity to interact directly with the client from the time they first submit their application up to the final decision whether it is an approval or denial. I have also learned that owning your own business means that you are always “on call” for the company.

Any advice for people from the mortgage industry thinking about entering factoring?

First, I’ll start by saying they are totally different beasts. Much of the factoring industry is relationship based. Start by networking with bankers, CPA’s, other factors, factoring brokers and so forth. Second, find industries that you may know that can use factoring. Finally, be patient. It takes time to build relationships and make sales. It’s just like planting a garden, some seeds grow quickly while others take some time.

Are there people in the mortgage industry who shouldn’t go into factoring? If so, how would you describe them?

I wouldn’t say there is a specific trait or characteristic of a person from the mortgage industry who should not go into factoring. I would prefer to say that factoring involves a different skill set. From a sales perspective, you are working with commercial transactions versus consumer loans. Therefore to be successful you will need to understand how to work with business owners and network with people and associations who work with businesses such as bankers, CPAs, the Small Business Administration and local Chambers of Commerce.

Tell us about your factoring company.

The name of my company is Oxygen Funding, Inc. We specialize in dealing with smaller companies, and our typical client has fewer than 10 employees and gross revenues fewer than $5 million per year. We specialize in assisting businesses having invoices $100,000 and below with a minimum of $5,000 total billings per month. We will consider clients that fall outside of these parameters on a case by case basis. We service the entire United States and work with all industries with the exception of medical receivables and certain construction deals.

Your company name Oxygen Funding is unusual; what’s the story behind it?

When I was attending Temple University as freshman I remember my Accounting 101 professor telling the class,  as important the profit and loss statement is to a company, positive cash flow is the oxygen all companies need to survive.

I never forgot that statement. As I started my factoring company and knew we would be in the business of providing steady cash flow for all our clients, the name Oxygen Funding seemed like a perfect fit. Now, as my professor would say, we provide the positive cash flow “the oxygen” our clients need to survive.

Why do you prefer smaller clients?

The first book I read about this industry was your book, Factoring Small Receivables. The more I read it, the more I agreed with the concept and benefits of being a factor of smaller receivables, rather than just larger ones. Besides the obvious risks involved in purchasing larger deals, we like the fact that we really get to know our clients.

Larger factors sometimes say factoring smaller clients involves more work for less income. Do you find factoring several small clients to be more labor-intensive than funding larger ones?

If you have good factoring software and conscientious employees, it makes the job a lot easier. I would highly recommend any factor use good factoring software. It can make or break your business. We use FactorFox software and are quite happy with it.

So how is business at Oxygen Funding?

Absolutely fantastic. We have exceeded our financial projections and continue to grow sales every month. Most importantly, we have fantastic clients that make our job a pleasure.

You put a lot of emphasis on your clients.

From day one with each client, our mission is to provide customer service that is second to none. We realize there is a lot of competition and pricing can only go so far. Compared to just a few years ago, the factoring industry has expanded greatly. We want to be considered to be the best at what we do.

Any parting thoughts?

This may sound overly simplistic, but in my humble opinion customer service is everything. Our mission statement is,  “Providing our clients with customer service that is second to none.” We take pride in that statement and work every day to ensure that we meet and exceed our clients expectations. In today’s world it is accepted that quality customer service is the exception rather than the norm. You would be amazed how far a little extra attention to detail and courtesy goes.

Don D’Ambrosio is President and CEO of Oxygen Funding, Inc. in Lake Forest, California. Don can be reached by phone at 800 790-3419 or by email at don.dambrosio@oxygenfunding.com.

Jeff Callender is President of Dash Point Financial Services, Inc. in Tacoma, Washington.  He can be reached by email at jeff@dashpointfinancial.com. Jeff has specialized in factoring very small businesses for many years and is the author of numerous books about factoring. His ebook How I Run My One Person Factoring Business is the number one online bestseller at the Factoring Investor bookstore.

Factoring Fundamentals How You Can Make Large Returns in Small Receivables

Are you seeking dependable income with the hours you choose from any location you want?

This introductory volume in The Small Factor Series, shows how you can make middle to high double digit annualized returns no matter how much you invest!

Gain access to all the information a newcomer to factoring needs to know when starting out in this remarkable investment. Read More…

Factoring Small Receivables  How To Make Money in Little Deals the Big Guys Brush Off

Book 2 in The Small Factor Series, this complete how-to manual provides everything the beginning factor or private investor needs to know to start buying accounts receivable of small companies.

With common sense directions and first-person experiences, you’ll learn how factoring small receivables can be a lucrative, enjoyable business and an excellent tool for investing retirement or discretionary investment funds.

Packed with information, resources, and the wisdom only experience provides.   Read More…

Factoring Case Studies - Learn and Profit from Experienced Small Factors

Book 3 in The Small Factor Series, this work describes 21 real-life experiences from the files of 8 small factors around the country.

You’ll learn a multitude of tips, plus errors to avoid as you read about the kinds of clients you want to have — as well as those you don’t!

Learn and profit from the experiences of those active in the business!  Read More…

Yes, – I want to discover BIG profits in small factoring! Sale Price: $95.00

Unlocking the Cash in Your Company How to Get Unlimited Funds Without a Loan

Book 4 in The Small Factor Series, this book is written for owners of small to medium -sized businesses who don’t know much about factoring and will benefit from learning about it.

Will factoring help your small business?

Learn how selling your invoices can generate immediate cash flow, who can qualify, when to factor and when not to, how to find the right factor, how to know if a factor is right for your company, and much more.   Read More…

Marketing Tools For Small Factors & Consultants A Hands-On Guide to Methods That Work

Special Marketing Bonus Book #5: Learn from pros in the field which marketing methods work for them and which don’t work

Save yourself countless hours and thousands of dollars by avoiding common marketing mistakes

Additional material on making dynamite presentations, networking efficiently, and creating an effective web site. Read More…

Factoring Wisdom Short Sayings and Straight Talk for New & Small Factors

Special Bonus Book #6: If you’ve been intrigued with factoring and curious as to just what the fuss is all about, this digest is an excellent way to find out.

Grouped alphabetically by subject, this volume provides a thumbnail sketch of the information, experiences, and words to the wise that are generously peppered throughout his books and other writing.

Settle into your easy chair with this brief collection and you’ll be surprised at how much you’ll learn in just a few minutes.

Yes, – I want to discover BIG profits in small factoring! Sale Price: $95.00

What are the most effective marketing methods to find new factoring clients?

This is a vital question confronting all factors and factoring consultants, especially those new to the business. Yet surprisingly little is written to answer such a key issue.

This book shows which tools work (and which haven’t worked) for seven professionals in the industry. You Will Discover:

• The most effective methods which have the lowest cost – or no cost at all.
• Methods too often used by newcomers which are quite expensive and generate very little (if any) business.
• How to define your “choice client” then identify and zero in on that audience.
• Specific advice about what to do (and what not to do) as you get started.
• Unique methods not often considered when planning a marketing strategy.
• An analysis of all the marketing tools presented including:
• The business cards used by the author and each contributor.
• Charts reviewing marketing resources recommended by the writers.
• A chart summarizing all the marketing methods described in the book, including their relative effectiveness and cost.
• Sensible yet easily overlooked practices of highly effective networking.
• A sample public speaking presentation by one of the best in the business.
• Essential yet simple guidelines for making your web site a knockout instead of a yawner.

**Click Here to Download the Marketing ebook for only $13.95**

Or Combine as a Special Bundle

**Click Here to Download the entire Small Factor Series – 6 ebooks in all – for only $95.00**

About the Author: Jeff Callender has been factoring small receivables since 1994. With his books, articles, web sites, classes and workshops, he has taught thousands how to profit with this lucrative investment. This book reveals the essentials you must understand in order to safely make these remarkable returns.

Are you seeking a way of making dependable income with the hours you choose from any location you want?

Would you like to make consistent, “even routine”  high investment returns without the roller coaster ride of stocks, options, futures, and other risky investments?

This book opens a new world of creating income in a way unfamiliar to most people. You will be introduced to an enterprise that is win-win for you and the small businesses you will help.

Do this part-time or full-time, you decide. If you need to make dependable, high returns with a hands-on investment, are looking for a way to add a lucrative income stream to your existing work, or are just interested in making very good money, this book is for you.

You will discover…

• How factoring, buying business invoices for less than their face value, is a proven investment tool that has been practiced for literally centuries.
• How you can make middle to high double-digit annualized returns purchasing as many or as few small receivables as you want.
• Why these high returns are consistent, dependable, and actually determined by you.
• How much capital you need to start – and it is probably much less than you think.
• That you probably already have the space and equipment you need to begin.
• Why factoring can be the perfect part-time or second income if you’re happy with your present work.
• How factoring provides excellent supplemental income if you’re retired or just want to work flexible hours at your own pace.
• How you can transition into factoring from the job you no longer have or like.
• What you need to be a full-time factor
• Why factoring is enjoyable for you, beneficial to others, and financially rewarding for everyone.
• Four common risks that are involved, plus two others you don’t expect.
• Specific steps “many of which cost nothing” you can and must take to minimize these risks.
• One simple technique that will make a catastrophic loss impossible.
• Six types of receivables you should avoid and why.
• 25 requirements people look for when researching a new venture, and how factoring meets each one.
• Your answer to the question, “Does factoring small receivables make sense for me?”

“This book shows how investing in receivables is rewarding, within reach for a great many people, and can be done part-time or full-time. A Small Factors can operate successfully by following the guidelines described in this book.” — Bert Goldberg , President, International Factoring Association

About the Author: Jeff Callender has been factoring small receivables since 1994. With his books, articles, web sites, classes and workshops, he has taught thousands how to profit with this lucrative investment. This book reveals the essentials you must understand in order to safely make these remarkable returns.

**Download the entire Small Factor Series – 6 ebooks in all – for only $95.00**

Do You Need Capital for Your Company?

Will factoring help your small business?

Learn how selling your invoices can generate immediate cash flow, who can qualify, when to factor and when not to, how to find the right factor, how to know if a factor is right for your company, and much more.

This book introduces an alternative means of financing called factoring which is misunderstood by some business owners, unknown to most, yet available to many who cannot obtain a bank loan. It can open doors you never knew existed to provide the cash your company sorely needs.

You Will Discover…

• Why you may never have heard of factoring, despite its existence for centuries.
• What types of businesses qualify for these funds and the simple requirements to meet.
• Why many companies turned down by banks are welcomed by factors.
• Tips and resources to make your search for a factor fast and inexpensive.
• Features and services to look for in a factor…and clues as to which factors to avoid.
• What to expect in the application process, and its speed compared to traditional loans.
• Common factoring procedures and why they are utilized.
• How to inform your customers you are factoring in a way that strengthens your business.
• A flowchart of the pre-funding steps, plus another of a normal factoring transaction from start to finish.
• Faulty assumptions often made about factoring, and mistakes to avoid once you’re under way.

About the Author: Jeff Callender has been factoring small receivables since 1994. With his books, articles, web sites, classes and workshops, he has taught thousands how to profit with this lucrative investment. This book reveals the essentials you must understand in order to safely make these remarkable returns.

**Download the entire Small Factor Series – 6 ebooks in all – for only $95.00**

This how-to manual teaches everything you need to know about starting and running a small factoring business.

With common sense directions and first-person experiences giving a “been there” flavor to each page, you’ll learn how factoring small receivables can be a lucrative, enjoyable business and an excellent tool for investing retirement or discretionary investment funds.

You will discover…

• How a small factor can profitably purchase low volume client receivables when big factoring companies can’t.
• Numerous marketing methods that will bring in plenty of business.
• Many common mistakes others have made – and how to avoid them.
• How to limit risk using proper due diligence, routine procedures, and numerous other strategies to keep your funds as safe as possible.
• Available credit reporting resources, where to find them, and how to use them.
• Record keeping techniques that assure a smooth-running operation.
• QuickBooks setup and entry methods to make tracking your profitability easy.
• Reviews of industry-specific software that is available, what it can do, how much it costs, and where to get it.
• A sample factoring transaction that ties it all together so you’ll know just what to do and can proceed with confidence.
• Numerous resources on the internet and other easy to find places that provide a wealth of information and powerful tools for beginning and experienced factors alike.

The material is presented in an engaging writing style that is upbeat, fast reading, and entertaining.

About the Author: Jeff Callender has been factoring small receivables since 1994. With his books, articles, web sites, classes and workshops, he has taught thousands how to profit with this lucrative investment. This book reveals the essentials you must understand in order to safely make these remarkable returns. First published in 1995 this updated 7th edition is full of new information and resources.

**Download the entire Small Factor Series – 6 ebooks in all – for only $95.00**

What Are Factoring Clients Really Like?

Are they honest, hard-working people who appreciate and absolutely need your help…or crooks out to rip you off? This book gives first-hand accounts, written by eight experienced small factors, of 21 client case studies. Each is true and full of practical wisdom and essential lessons.

You will discover…

• 10 case studies of good and even great clients – and what makes them both attractive and profitable to the factors who fund them.
• 11 case studies of negative experiences, some of which are downright awful – and guidance as to how to avoid such disasters.
• Hundreds of tips, identified by various icons in the margins of each page.
• These icons indicate good advice, red flags, factoring mistakes and client management errors, risk, due diligence practices, and many more.?
• A brief analysis following each case study which points out key lessons and subtle yet important details revealed in the case study.
• Short biographical sketches of all eight factors who come from a wide variety of backgrounds.
• Entertaining accounts of small businesses and their owners (all true), and their business and personal names (all obviously changed), including:

Seymour Horizon who arranged factoring before he even started his staffing business and quickly grew his company to a $6 million operation.

Cliff Trickey and his deceitful print shop business, Slippery Cliff International Press (SCIP).

Digger Busch, stuck in a job he hated and eager to begin his new landscaping business…which eventually blossomed with guidance and funds from his factor.

Corey Rotten, who ran up a large volume of factored invoices but was uncooperative when they didn’t pay…and whose records were mysteriously destroyed in a fire.

About the Author: Jeff Callender began doing what this book teaches in 1994. He has written books and numerous articles, consulted, and been a public speaker to thousands of people about how to profitably factor small receivables. No one comes close to providing as much information on the subject as he has.

**Download the entire Small Factor Series – 6 ebooks in all – for only $95.00**