Invoice Factoring- The Best Solution

If you are involved in business, then you know the importance of cash flow. Cash flow is the biggest business necessity, and when it runs short, there is a serious problem. This is where invoice factoring can help. Invoice factoring is a cash flow tool used by a variety of businesses because of its ancillary services. It provides easy and ready cash necessary for a business to run smoothly.

Invoice factoring is the easiest way to get cash in the event of a financial emergency. All a business has to do is sell its invoices for cash. An invoice factoring company will pay you cash for your open invoices- by far the best option available to you if you should find yourself in an emergency. It is wise to be prepared for these kinds of situations, but it is not always possible- and invoice factoring can help you out.

When pressed for cash, most businesses first impulse is to apply for a loan from a bank. This is not a wise step, as the majority of banks have been stockpiling their loan loss reserves over the last several years; invoice factoring is infinitely more practical. A little-known fact is that this easy financial option has been used for centuries.

Invoice factoring is a smooth cash flow tool used by a variety of businesses, both upcoming and established. The benefits of invoice factoring are as follows:
Invoice factoring easily eliminates bad debt. This non-recourse factor simply presumes the risk of bad debt and eliminates this expense from the business’ income statement.
The majority of the work associated with processing invoices, such depositing checks, posting invoices, entering payments and producing regular computer reports is handled by the factor.
An unlimited source of capital, invoice factoring is the only source of financing that increases with your sales.
You need not lose money by offering early payment discounts and volume discounts.

If you are in need of urgent cash, invoice factoring is the best solution. For more information on invoice factoring, factoring invoices and invoice factoring rates please visit.

Papo Dilophosaurus Dinosaur Model Reviewed

[ad_1]

Papo Dilophosaurus Dinosaur Model Reviewed

Papo, the France based manufacturer of figures and replicas have added a Dilophosaurus dinosaur model to their prehistoric animal model range and very good it is too. A member of the coelophysid group of Theropods, this lithe, agile hunter was probably the apex predator in Early Jurassic environments. Scientists have estimated that this carnivore could have reached lengths in excess of six metres. It may have weighed over five hundred kilogrammes, that’s twice as heavy as an African lion (Panthero leo).

Almost a Quadrupedal Pose

Although most definitely a biped, Dilophosaurus did have relatively long arms. The arms were much longer than those of later Theropods. The Papo figure has been balanced on its hind legs but as the body is bent forwards the right hand with its three-fingered claws is also touching the ground. This is a more than acceptable stance for a dinosaur model and it permits the design team to keep the hind feet of their replica in proportion to the rest of the animal whilst still permitting it to balance.

Lots of Detail and Beautiful Painting

Papo have made sure that they include lots of fine detail. Individual scales can be picked out along the flanks and the patterning continues onto the belly, which is not found in cheaper dinosaur models. There is a row of triangular scales running from the top of the head down the slender neck and there is even a tiny, white-painted row of scales running down under the jaw. The famous double head crest of this dinosaur has been painted a vivid crimson colour. Obviously, the artists at Papo believe that this thin crest served no defensive or aggressive role, but that it was probably used for visual communication amongst Dilophosaurs. The rest of the model is painted a dark tan colour with flashes of blue set out in a stripe pattern across the legs, the flank and along the back.

To Scale with Other Replicas

The model measures around 14cm in length, but as the tail curls around the body, it is actually much bigger than that, measuring around 18 to 19 centimetres in length. As Dilophosaurus (D. wetherilli) is estimated to have reached lengths around six and a half metres, we estimate that this figure is in approximately 1:34 scale. Size wise it fits very well alongside two other Papo Jurassic dinosaur figures, the Allosaurus and the plant-eating Stegosaurus.

Details Around the Mouth

Unlike other predatory dinosaur models made by Papo, the jaw is not articulated, it does not open. However, this is more than made up for by the superb details that can be seen around the mouth. The distinctive curve in the premaxilla of this dinosaur is present and individual teeth have been skilfully painted – all credit to the production team.

This is an excellent dinosaur model, one that will prove popular with collectors and young dinosaur fans – highly recommended.

[ad_2]

Hand Crank Shortwave Radio

[ad_1]

You need to own a hand crank short wave radio. While these shortwave radios may seem to some like novelties, they can save your life in an emergency. A shortwave radio isn’t just some AM/FM radio, it picks up a variety of shortwave radio signals. These can include but aren’t limited to weather stations, news broad casts, and even signals from other parts of the country and the world. While you may not think of these as important, in an emergency, these radios and stations can be your only link to the outside world.

A hand crank short wave radio has many different power options today. What the hand crank does is every time you turn the crank, the mechanical energy is instantly turned into electrical energy, enough to power the radio itself, and even to charge up the rechargeable batteries. Because the cranking technology has improved so much over the last few decades, turning the crank just a few minutes can power the radio continuously for more than two hours without interruption. They can also use batteries, and when there is power, plugged into the wall outlets.

The real purpose of a hand crank shortwave radio is for if you are stranded, whether on land or at sea, or if you are in the middle of some kind of natural or man made disaster. No matter what the situation, chances are there isn’t going to be any electrical power, and any kind of regular electronic device isn’t going to work. This is where the hand crank action comes into play. In many cases, evacuation procedures are going to be announced over short wave radios from emergency services. They may tell you that help is on the way, where to go, and even what to do until help arrives. In the case of flooding, storms, or tornadoes there can be more important information given on how long the storm is going to last, or how much more inclement weather is on the way. Without this vital information, you could be headed for an even more dangerous situation, or even stranded for longer, because you didn’t know where to go or what to do.

It is important that you keep a hand crank shortwave radio in many different places. You should have shortwave radios in your home, vehicle, and if you own an RV or a boat, you should have one in these as well. You just never know where an emergency will strike, and having one at home while you are stranded in the middle of nowhere doesn’t do you any good.

Just as a hand crank shortwave radio can save your life, you also have to buy the right shortwave radios as well. There are many different brands and models of these radios, and they come in a varying prices. While there many different models, not all of them are the same. The first thing you need to think about when choosing one of these radios is what your needs are. If you just want one to listen to music on the go without having to lug around a bunch of batteries, then cheaper models are a decent choice. One of these is the Eton FR 150. This radio is small and compact, and has very minimal options. Because of this, the cost is quite low.

For hand crank shortwave radio options, where you need access to multiples channels, and emergency bands, more expensive shortwave radios are a better option. This is because they have a better quality sound, and are able to pull in more channels and stations. They have better batteries, and their cranking mechanisms last far longer than cheaper models. Even so, a good radio shouldn’t cost you more than fifty to a hundred dollars.

[ad_2]

Teenager Travels Through Time With Hunky King Tut in New YA Novel

[ad_1]

Fifteen-year-old Rosa is one of those rare people gifted with the ability to hear the dead speaking to her. Usually, however, the dead are pesky people who want to talk to her while she’s busy doing things like taking math tests; in one such instance, when she tries to get rid of the dead person so she can concentrate, she finds herself in a shouting match and is soon after sent to the principal’s office.

Of course, no one believes Rosa can really speak to the dead, so her life isn’t easy, but it’s about to get a lot more interesting. Rosa is already obsessed with Ancient Egypt, but she can hardly believe it when King Tut not only starts speaking to her, but he appears before her eyes. Once she gets past noticing what a hunk he is, she realizes he’s trying to enlist her on a time travel mission that not only seems impossible but downright dangerous.

Hunk or not, Tut has his heart set on his ancient love, his wife, Ankhesenpaaten. They have been separated for centuries, but now she is trying to communicate with Tut through Rosa, and Tut needs Rosa’s help to lead him to his love’s final resting place.

Time travel does indeed happen, and before Rosa knows it, she’s witnessing Tut’s life story as well as facing the fierce General Horemheb, who succeeded Tut’s family as pharaoh and wants to wipe out all traces of Tut’s family history in Ancient Egypt. Before the story is over, Rosa will find herself channeling the dead, being locked up in a tomb, and discovering that all the gold in King Tut’s tomb is of little value compared to true love.

Cheryl Carpinello’s new novel Sons of the Sphinx is a riveting madcap ride through a fascinating time in Ancient Egypt’s history. Readers meet not only King Tut but his controversial father, King Akenhaten, and his famous stepmother, Queen Nefertiti. Insights are given into ancient life, and Egyptian mythology is explored. Best of all, the story is both fun and educational, which led to its designation as a “Literary Classics Award Winning Book.” The book also has a glossary in the back of Egyptian gods, people, places, and terms.

Cheryl Carpinello, as a longtime educator and the author of several other young adult books, including Guinevere: On the Eve of Legend and The King’s Ransom, knows how to entertain young readers in a way that makes them want to learn more. And as an adult reader, I learned a lot about King Tut and his time that I didn’t know, and I now want to learn more, so if I feel that enthusiastic about this book, I can just imagine how excited I would have been as a child reading this book. I’m certain it’s destined to be a favorite among young readers.

A companion volume to the book, titled Tutankhamen Speaks, is also available; it tells King Tut’s full life story in his own words.

[ad_2]

The Slow Motion Game

[ad_1]

Recently, a friend invited me to stop and slow down. Just for a few minutes.

I slipped off my shoes and felt the cool stepping stones in her garden under my feet. In a few short minutes, with all systems slowed to the moment in front of me, I felt like Alice in Wonderland-one moment staring up at the giant, waving leaf of a tropical banana tree and the next moment bent down, in awe at the mini, star-shaped moss tuft peeking out between a crack in the stones.

Ten minutes later, as I finished up this walking meditation in her garden, refreshed and ready to go about with my busy day, I knew it was something I wanted to remember to continue as a regular practice for myself and share with my favorite seven year old.

“Hey,” I said to the curly haired boy, “Wanna play The Slow Motion Game with me?”

“What’s that?” he responded, with the keen skepticism of a seven year old who has been around the block and played a zillion games or two in his lifetime so far.

“Well, it’s a kind of discovery game. We slow dooooown.” I started talking in slow motion speak. “And when we look aroooound we see things that we’ve neeeeeverrr seeeeeen beforrrrrrre.”

I could see the spark of interest lit in his eyes now.

“And whoever finds the most cool stuff is the winner?” he yelled excitedly.

“Sure, something like that.”

Five… Close your eyes

Four… Slowing down

Three… Your mind is going to sleep

Two… Your body is getting very relaxed

One… You are in slow motion mode. Open your eyes… And GO… s l o w w w w w w w w…

Our bare feet made their way slowly through the back yard. The dirt felt good sinking between my toes. I watched out of the corner of my eye as the boy did his best slow mummy walk and then presently crouched down.

Between the two of us, we discovered treasures galore in our familiar backyard space.

An army of ants coming out of tiny hole in the flower bed, a bright green arrowhead-shaped sprout shooting out ninety degrees from a tree branch, a baby fly sunning its translucent wings, a baby bee buzzing. We discovered the glossy, tightly curled leaf of a waxy flower pushing its way upward, and crystalline water drops sitting in the very center of a regal succulent. A family of pincher bugs scurried away as we studied the natural, hieroglyphic markings on an old tree stump.

Long after we finished playing, the curly haired boy was still bent over, looking at potato bugs curled up in tree hollows or looking up through tree branches, discovering many more unseen treasures in the garden.

I didn’t mention to the wild-haired one the part that we would feel ourselves coming back to ourselves during this game.

I didn’t mention that by slowing down our spinning minds, we would enliven all our other senses, as we became part of the world in front of us.

I didn’t mention that by slowing down, we recharge and reconnect with that vital source within us.

I didn’t mention that part to him. I didn’t have to.

Yes, this was a good game.

[ad_2]

High Heels – Your Best Friend

[ad_1]

Have you ever saw an American movie called “In Her Shoes”?

Rose and Maggie (performed by Cameron Diaz) are sisters who claim to have nothing in common but DNA, a tragic childhood, and a shared shoe size. Rose owns an attorney position, a conservative personality, and a secret passion for romance. She is sophisticated with work but timid to her plain figure and appearance. Therefore, Rose stores a full wardrobe of high heels without enough courage to wear them out and show them off. Maggie, the little one who is absolutely reverse version of her sister, features drop-dead gorgeous, loafer, flirtation, and troublemaker. She left home without farewell after being caught at the scene when she was carrying on a clandestine love affair with Rose’s boyfriend. In terms of women, the climax comes as Rose gives up her admirable job to then bravely wears the high heels she likes to hide into wardrobe. She successfully goes through a change of outlook on her relationship with Maggie-her   unique  sister, the man she has wrongly loved and the man she should love and treasure at present. Everything can start from “head”, as well as “foot”, not just curing the sequela of losing love.

“When I feel bad, I like to treat myself. Clothes never look any good. Foods just make me fatter. Shoes always fit.” The lines, from Rose, reveal her secret: she is not the prude that she looks like in appearance, but a lovely girl who is keenly obsessed with various high heels as well. Numberless pairs of housed high heels are her bosom friend, listening to her success, happiness sharing her upset and cheering her up when she is in low spirit. Even though Rose just buy them then hide them without debut with them, she still be companied and placated by their sweetness and attention.

Men may leave and love may be pulled away, but high heels will always stay.

[ad_2]

Summer Infant Best View Color Video Baby Monitor Review

[ad_1]

The Summer Infant Best View color video baby monitor is one of the highest rated video monitors you can buy to help you keep an eye on your child. It is loaded with features that put it a cut above the rest. The camera pans and zooms, the 2.5″ screen size is easy to see, and it provides reliable performance.

The digital technology used in this monitor ensures that the image of your baby won’t be transmitted beyond your home. With night vision technology, you can see your baby even in the dark and the one-touch on/off button lets you take a quick look for reassurance at any time.

Summer Infant Best View Product Description

The 100% digital system allows complete privacy without having to search for a clear channel. The camera can be wall mounted and remotely controlled to zoom in, pan, or scan the room. The digital menu is controlled by a toggle switch found on the 2.4Ghz parents unit. The clear picture is transmitted either in full color when the lights are on, or in black & white night vision with the use of LED lights to provide a look at your baby in the dark.

The digital picture on the 2.5″ LCD screen of the parents unit has a range of 350′ from the nursery unit and transmits privately and securely.

Summer Infant Best View Features

  • One 2.5ghz parents unit
  • 2.5″ LCD color screen
  • Belt clip
  • One touch on/off button for reduced battery drain
  • Toggle switch to navigate menus for changing camera angle, camera settings and volume control
  • Rechargeable battery and A/C adapter
  • Battery and signal strength
  • Automatic shut off of the video screen preventing unnecessary drain on the batteries
  • Parent unit stand
  • Light and sound indicators
  • Full color camera with black and white night vision
  • Camera pan, scan and zoom
  • Microphone

Summer Infant Best View Review

This monitor offers the security of a 100% digital transmission, meaning the image of your baby won’t be visible to others who might use the same channel. The 2.5″ LCD screen is a great size for viewing your baby in the handheld parent unit. Night vision makes it easy to check in on your child and the on/off button means you can look and then let the screen turn back off to avoid disturbing your own sleep in the middle of the night with constant light from the screen.

The panning, scanning and zooming features of the camera make it easy to keep track of baby, even with a lot of movement. Extra cameras can also be added to the unit and set up in different rooms or at different angles.

Wireless home networks might interfere with the performance of this monitor. While additional cameras can be added, additional parent units are not available. The addition of a complete set can provide an extra parent unit attached to a different camera for dual parent coverage.

The Best View monitor is rated as having a very clear picture with little to no static, and the 2.5″ LCD is large enough to see well. Most users have been very pleased with the performance of the unit.

The Summer Infant Best View Handheld Color Video Monitor has all of the features a parent could ask for in a unit of this type. It gives a great view of the baby from all angles with the remote controlled panning and zooming features and the night vision lets you see your baby at night. If you are looking for a clear, color view of your baby, this monitor fits the bill.

[ad_2]

Bluetooth Headphones Tips – Prolonging Li-Ion Battery Life

[ad_1]

Many Bluetooth headphones use the lithium-ion type of rechargeable battery. It is actually the most popular type of rechargeable battery not just among Bluetooth headsets but also for other electronic devices such as laptops and cell phones.

One main reason that Li-ion (lithium-ion) batteries are the favorite battery type of a lot of Bluetooth headphones is that these kinds of batteries have a bigger energy storage capacity. What this means is that Li-ion batteries have a greater energy-to-material ratio than the other kinds, such as nickel metal hydride (NiMH) or nickel-cadmium (NiCd) batteries. For the same amount of nickel or nickel-cadmium, the lithium-ion battery can hold more power.

The second main reason is that Li-on batteries do not degrade in performance even if you repower them while they are not completely depleted of stored power. Unlike other batteries, the Li-ion battery does not show the so-called memory effect. It also has stronger resistance to severe temperatures and does not self-discharge as fast as the other types when it is in storage.

Much as everyone would like Li-ion batteries to be eternal, the fact is that they have a limited life. When used appropriately and cared for, they can actually provide your Bluetooth headsets with power up to about three years. The key here is in knowing how to make your Bluetooth earphones’ Li-ion battery packs reach their optimal life span. Here are a few tips.

Do not completely empty your battery of power. Li-ion batteries actually do not need to be fully empty before you need to recharge them. As a matter of fact, you will decrease the life span of your batteries if you frequently let them go empty first before recharging them. However, it is also healthy to completely discharge your Li-ion battery from time to time, say, after every 25 or 30 partial recharge cycles.

Never subject your Li-on battery to high temperature when you recharge them. Not only will the heat be a safety risk but will also shorten your battery’s life and energy capacity.

If you are intending to leave your Bluetooth headsets unused for some time, you should make sure that the batteries are at least half-charged. Also, never leave the battery inside your Bluetooth earphones if you won’t be using the devices for a long period. If you do, the active material may leak out and corrode and damage your unit. Store the batteries in a cool place. Even the refrigerator will do, but never the freezer.

These practical tips are easy to remember. If you keep them in mind and follow them, you can be sure that your Li-ion battery for your Bluetooth headphones will last up to its maximum lifespan.

[ad_2]

Top Five Cellular Phone Models in USA

[ad_1]

With the advent of the mobile phone industry, mobile phone companies have long been contesting for the latest models that would captivate the market and make the buyers go “gaga” over it. So far, there are countless cellular phone models from BlackBerry, Apple, LG, and other companies.

The market differs in all parts of the world. A company may dominate in USA but not in Asia, same is true with the network service providers. Recently, there was a survey which showed a result of the Top five models in the US last year.

As you take a read, you will discover that according to Amazon.com and our reviews, sales show that the US mobile phone market is dominated by BlackBerry and no trace of Nokia could be felt.

First in the list is BlackBerry Bold 9000. What makes it a hit? It is a mobile professional and likely to be the best device on the market. This is a serious communication device catering to those who need the best of email and connectivity to their other office information in an instant. BlackBerry Bold is the best BlackBerry yet. It capitalizes on the industry-leading email and communication abilities and adds improved document handling features. While remaining enterprise centric it makes major multimedia and entertainment strides to broaden its market appeal.

Another great phone from Blackberry is their Blackberry Storm. What makes it the number 2 best seller for Americans? It is the first entry by smartphone leader BlackBerry into the world of touchscreens. BlackBerry’s claim to fame has always been its exceptional mobile email functionality and manufacturer Research In Motion (RIM) has steadfastly insisted that a physical keyboard is best suited for typing. That said, even stalwart RIM couldn’t ignore the market pressures, led by Apple’s phenomenally successful iPhone 3G, which have placed priority on a touchscreen.

The third spot is the throne of Apple iPhone 3G. This iPhone 3G isn’t necessarily blazing new territory, it is paving that territory, refining the available technologies, while placing at utmost importance the overall design of its body and interface. The reduced price tag, expanded memory and incorporated 3G technology are truly new, and are likely to represent a new direction for the industry. On another note, the iPhone 3G, like its iPhone predecessor, is taking a big chunk out of many different markets, offering a solid mix of business, entertainment and everyday use.

G1 Google Phones takes number four. The T-Mobile G1 is the first of many expected smartphones to reach the market that are based on the Google Android operating system. Before being introduced by T-Mobile, it was known as the HTC Dream. The Google Android OS is seen as having the potential to expand the capabilities of smartphones generally because of its open source orientation to third party applications. It is reasoned that because developers have free rein to show off their best and most creative work that the possibilities are limitless.

Doing well at number five is the LG Lotus. It has a unique and exceptional design that is both beautiful and functional. It is a great messaging phone that can send all types of text messages and can communicate by IM and email. It is also a great music phone that can play and store up to 12 GB of music.

Feel the American mobile phone culture, go buy one. Yes, one of the five top selling mobile phones in the United States.

[ad_2]

Improving Cash Flow with Invoice Factoring and Purchase Order Financing

Managing cash flow can be a challenge for many businesses. But creative funding options like invoice factoring and purchase order (PO) financing can make the job much easier.

These financial solutions offer convenient, cost-effective and immediate access to working capital. Invoice factoring and purchase order financing are suitable for companies in just about any industry. They can provide financial support to expand, manage business surges or even meet day-to-day operating expenses. And they’re ideal if your company is newer and can’t obtain a loan.

The Ins and Outs of Invoice Factoring

Invoice factoring is easy to set up and terminate. To qualify, you should have no existing primary liens or claims on your accounts receivable. And you must have creditworthy clients who pay their invoices promptly and in full.

When factoring customer invoices, you can receive quick cash advances often within 24 hours. Your cash advance is based on the overall value of the invoices you provide as collateral. Typically, you can get 80 percent of the invoice value upfront and the remaining value after your client pays the invoice minus a three to five percent factoring fee.

Your customers pay the factoring company directly. And the factoring company takes responsibility including any loss for the collection of their debts. It’s important to note that invoice factoring is not a loan, so there are no repayments to make. You are simply using the good credit of your clients to release your own assets to be put back in your own business.

Historically speaking, factoring is a well-established form of business financing that produces cash payments at the time of shipping, delivery and invoicing. Its origin has been traced to the days of the Roman Empire or even earlier, but the U.S. factoring industry dates back only about 200 years to the early nineteenth century. Factoring companies, known as factors, evolved from U.S. selling agents for European textile mills. Currently, about 70 percent of the volume of traditional factors is still in textiles, apparel and related industries that highly value credit guarantees, according to the Commercial Finance Association.

Invoice factoring can provide the working capital your business needs to handle new projects, fill large orders and pay creditors on time or even early. In essence, factoring can keep your cash flow running smoothly while your business grows. This can enable you to stop worrying about finances, and concentrate on productivity and how to profitably expand your business. Factoring also can help you avoid wasting time tracking down accounts receivable or handling bad debts.

Here are some other important factors (no pun intended) about invoice factoring:
– There is no application or set up fee.

– You choose which accounts to finance.

– Invoices eligible up to 30 days from the date of invoice.

– There is no a minimum funding requirement or requirement to factor all invoices.

– The funds wired directly into your bank account.

– Customers send their checks directly to our lockbox.

Cashing in on Purchase Order Financing

PO financing can provide quick cash flow reserves for manufacturers, importers, exporters and distributors. This type of short-term funding is used to finance the purchase or manufacture of specific goods that have been presold by the client to its credit worthy end customer. Funding involves issuing letters of credit or providing funds that allow companies to secure the inventory they need to fulfill customer orders.

With PO financing, working capital financing is protected by a security interest in existing purchase orders and the proceeds of the purchase orders. Normally, the security interest is perfected by the lender taking possession of the inventory or raw materials.

PO financing can pay for the cost of your goods directly to your supplier, freeing up cash for other critical business expenses. This can help your company ensure timely deliveries to customers, grow without increased bank debt or selling equity, and increase market share. To qualify for PO Financing, you must provide financial information about your company, information about your buyer and supplier, and buyer and supplier invoices.

PO financing is available for finished and non-finished goods, although finished goods are generally easier to finance. Finished goods involve transactions where the goods go directly from your supplier to your buyer. You never touch them or take direct possession.

Non-Finished Goods are when you, the seller, take possession of the goods either in a raw state (such as yarn to make blue jeans) or a semi-finished state (partially sewn blue jeans). In either case, you must take possession of the product.

Purchase order financing can help solve a variety of cash flow dilemmas. Here’s a prime example: Your suppliers want you to pay cash on deliver (C.O.D.) and your buyers want to pay you net 30 to 60 days. You have no cash flow during manufacturing, while the goods are in transit, and until your invoices are paid.

PO financing may be right for your company if…

– You need additional working capital.

– You lack expertise to handle the financing.

– You need a quick response to an immediate sales need.

– You don’t want to incur additional credit risk, be it foreign or domestic.

– You want your buyers and sellers to not know each other.

– You want the opportunity to make additional profit.

Purchase orders can be used for U.S. and foreign buyers and suppliers. Consider this scenario involving a U.S. supplier and U.S. buyer: You’re an apparel manufacturer. You’ve been in business for six years and have a good profit and loss statement and balance sheet. You just received a large order and are maxed out on credit from your suppliers. Your sales price to your buyer is $100,000 and your total cost to produce the goods is $75,000. Your gross margin is 25 percent. The financing company will purchase the goods for you from your supplier, give you 45 days to produce the goods, charge you a 5-percent purchase order fee ($5000, 5 percent of $100,000) and factor your receivables.