1. Insufficient control over the cost/quality of your product.
2. Lack of proper inventory stock control.
3. Buying inventory short and selling long.
4. Under pricing the goods you are selling.
5. Poor customer relations.
6. Failure to promote and continue promotion of your public image.
7. Poor public relations with suppliers of goods and services to your company.
8. Management’s lack of ability to reach decisions quickly and act fast.
9. Failure to keep pace with management aids as conditions.
10. Real and psychosomatic illnesses of key people.
11. Reluctance to be aware and seek professional assistance when needed.
12. Failure to minimize taxation through proper advice on tax planning.
13. Inadequate insurance programs.
14. Lack of planning and forward impetus in sales department.
15. Poor human relations with your staff.
16. Loss of key personnel.
17. Lack of total knowledge of your product, merchandise or services.
18. Inability to foresee and cope adequately with competition.
19. Complacency about competition.
20. Failure to anticipate market trends in connection with your products & services.
21. Failure to anticipate market trends in regard to purchases.
22. Lack of control of liquid assets.
23. Insufficient planning for future capital needs.
24. Failure to stay within the bounds dictated by capital availability.
25. Lack of budgeting or failure to adhere to budget.
26. Refusing to recognize factuality of financial position.
27. Poor record keeping.
28. Granting of too much credit.
29. Purchasing too much on credit.
30. Poor receivables control.

Business Cash Advance

The Business Cash Program

Qualifying for a business loan in today's economy is difficult. A business loan involves many hurdles for a small business owner, including: excessive paperwork, a lengthy approval process, low approval rates, and personal guarantees for security, fixed monthly payments, and restrictions related to use of funds. The cash advance is a streamlined process!

The Business Bank Statement Program

We help small main street businesses build a successful borrowing record so you can eventually qualify for traditional loans. Many small businesses are shut out from traditional loans, often due to low credit score, weak cash reserves, lack of collateral, or other reasons. And yet, all businesses need capital and cash flow to operate!

Business Cash Advance Program

If you don't have alternative finance resources or your personal credit is impaired! Then the power of Cash Advances is that capital can be raised not based on your credit worthiness alone! Rather, it can be funded on the future credit card receivables of your customers!

Accounts Receivable Factoring

When your business sells to another business and then sells its unpaid but collectible invoices with no liens on those receivables to a factoring institution, at a discount. If you cant't wait 30, 60 or 90 days to collect your money from your invoices sent to your customers!

Short Term Working Capital Program

The Bank Statement Program is designed with the business owner’s needs in mind. Much easier to obtain than a conventional loan, a Working Capital Advance is determined by your future business bank deposits, providing your business with the unsecured capital you need today! Simply put, our Working Capital Advance is not a loan, it is a purchase of your future deposit receivables. Then, over time, we recoup the advance through an ACH of your daily deposits (Monday-Friday). If your business does over $10,000 a month in business deposits, you could be pre-qualified for a Working Capital Advance.

Compare our Working Capital Advance to a conventional loan and you’ll agree that an unsecured Cash Advance is right for you and right for your business!

Conventional Loan	Working Capital Advance
Detailed Financial Statements	NO financial statements required
Tax returns 2-3 years	Tax returns not required
Must be in business 2-3 years	Minimum 1 year in business
Personal guarantee on all owners	No collateral
Lengthy approval process	48 hour approval
Costly application fees	No fees or usage restrictions
High credit scores required	AsLow as 500 FICO score
Costly closing costs	No closing costs
Collateral on all business assets	We get paid when you get paid
Complicated applications	Simple 1 page application
Fixed monthly payments	Daily payments (M-F)

Minimal FICO Credit Score of 500!

CALL: 904-551-6090

Working Capital News

Credit e-Book
• FICO Credit Reports!

BRT Financial, Inc.
450-106 State Road 13N, Suite 408
Jacksonville, FL 32259
Tel: 904-551-6090
Fax: 904-513-9229
Business Hours:
9.00-6.00 PM (EST)

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