Loan Programs

Whether there are credit issues, past bankruptcies, you need quick money to finish a project, or an investment opportunity came up and short on dollars, M-ROC Funding Group has the right Private Investor for your needs.  Rates and fees, depending on the deal, can be high but so is the risk.  This type of financing is short term but will provide the time you need to get your affairs in order to arrange permanent financing or finish a project for a sell out.  We will build the Bridge for you to cross over and succeed.

• No property seasoning required
• No income requirements
• Unrestricted cash-out
• Foreclosure bailouts
• Cross collateralization-multiple property loan
• Multiple borrowers
• Secured by real estate and other fixed or liquid assets.
• Interest only loans
• Very quick closing

Is too much of your money tied up in 30 to 60 day terms to your customers while at the same time, labor, packaging and shipping costs all have to be met?  Under these conditions, most businesses can only grow by frugal management of their cash flow. Unfortunately such constrictions will only take your business so far.

With our cash flow funding solutions we can convert your outstanding receivables and future collections into cash, right now.

The Problem

You're making the sales but your cash is not flowing smoothly in your business.  You need access to a flexible source of funds so that you can put your plans in motion and grow your business, but your current funding arrangements aren't keeping pace with your requirements.

The Solution

Our Financial Services are specialists in improving cash flow. Our range of cash flow funding solutions are designed to assist you in gaining access to a flexible source of funds that matches your businesses requirements.

We can improve your cash flow in many ways:

We understand how frustrating it is when your working capital is tied-up in unpaid invoices for over 30-60-90 days. Satisfying vendors, ordering additional material, trade obligations or even meeting payroll are all challenging tasks without steady cash flow.

Whatever business you’re in, whether you're dealing in the U.S. or overseas, you want your cash to work hard for you. Cash to help bring your business plans to life; maximize on new opportunities; invest in new equipment or simply meeting payroll and payroll tax obligations.

Here is how it works:

• Account Receivable Funding boosts your cash flow by providing an immediate advance of cash into your business against the value of your outstanding invoices
• When you raise an invoice, we can release up to 90% of the value of that invoice within 24 hours with the remaining 10% being paid to you, less a small service fee, once we receive payment from your customer
• Your business has access to ongoing cash flow funding linked to your sales so as your business grows so does the amount of funding available to you
• We save you valuable management time by preparing statements, communicating with your customers, collecting payments for you and maintaining professional and detailed accounts of your transactions -this saved time can be spent driving business forward
• You remain in control by working with a dedicated team who ensure your customers are as happy to deal with us as they are with you
• By working with a Receivables Funder, it means that as well as a significant reduction in debtor days and improvement in cash flow, valuable management time can be spent driving business forward
• By making use of a receivables funding facility you can benefit from improved profitability by taking advantage of discounts on bulk purchases and early payments with your suppliers

Our Factoring service provides a flexible supply of working capital giving you the time to realize your plans.

Here is how it works:

• Being able to offer attractive payment terms is often required to make a sale in competitive export markets.  Our Export Finance service provides immediate cash flow for your business (against the value of your outstanding export invoices) and an ongoing supply of working capital
• Export sales invoices and credit memos are sent to Financial Services.  We will then turn up to 80% of the value of those unpaid invoices into cash within 24 hours. The remaining 20%, less a small service fee, will be paid once your customer pays
• Your business has access to a source of funding, which grows in line with your export sales
• We will prepare and send out statements, telephone your overseas customers and communicate with them in their language
• With our Export Finance service we can save you valuable management time by chasing and collecting outstanding invoice payment from your overseas customers and manage any currency issues
• We offer multi currency facilities to help smooth out problems of fluctuating exchange rates
• We have overseas bank accounts for fast, low cost receipt of payment
• With our Export Finance service you remain in control by working with a dedicated team of people who ensure your customers are as happy to deal with us as they are with you

Purchase Order Finance is short term financial solution used to finance the purchase or manufacture of specific goods that have been pre-sold by the client to its credit worthy end customer. Funding involves issuing letters of credit or providing funds that allow clients to secure the inventory they need to fulfill pending orders.

Here is how it works:

Some suppliers want you to pay cash on delivery whilst your customer wants to pay you net 30 to 60 days.  Meanwhile, labor, packaging and shipping costs all have to be met.  Our purchase order finance service (PO Finance) exists to make your deals not only possible, but profitable.

You have a confirmed order from a creditworthy customer but lack the cash to fulfill it.  We can advance up to 80% of the confirmed purchase cost to your supplier.  We pay your supplier or open a letter of credit. You deliver the goods and we invoice your customer. We collect the invoice payment from your customer and pay you the balance between the order value and the amount paid to your supplier, minus our fees and cost of money used, once payment has been received.

This Purchase Order Finance facility can complement an Account Receivable Funding facility.

You want additional funding to finance single or multiple transactions with creditworthy customers.  Then our Receivables Funding Facility is the best solution.  You deliver the goods to your customer obtaining proof of delivery and acceptance of the goods.  You invoice us for the goods at an agreed discount and we advance you up to 85% of the value of your invoice.  We invoice your buyer for the full amount and collect payment according to your agreed terms.  We pay you the balance less our administration fees and cost of money used, once payment has been received.

Note: Can advance 75 % for Overseas, 80 % for Domestic and 90% for trucking & staffing businesses.