Accounts Receivable Financing


Bridge And Hard Money Loans


Unlimited source of financing for your company's growth

Accounts receivable financing, or Factoring, is the purchase of accounts receivable invoices at a discount. If you sell your products or services to businesses that pay in 30, 60, 90 days or more, First Merchants Financial Services has a liquidity solution for you. We can finance companies that are start-ups, losing money, or in bankruptcy because accounts receivable financing is based on your customer's credit, not yours. This is not a "debt." You are selling an asset. But it is more than just an asset sale; it is like outsourcing your accounts receivable department. Factors provide valuable services. They check your customer's credit for you and notify you of bad risks and they provide detailed monthly statements. Qualifying accounts even get free credit insurance.


Cash in 24 hours

No personal guarantees

We finance any type of business

No recourse even if the account does not pay

Credit insurance on your clients at no cost to you

No arbitrary loan board decisions

No Fixed Payments

As sales and receivables increase, funding Increases

Focus on your business, not collections

Take advantage of early payment or bulk purchase discounts from your suppliers

Ability to service large and / or unexpected orders

Accounts receivable financing is more flexible and quicker than bank loans

Use The Money To...


Fund payroll or other operating expenses

Purchase inventory to take advantage of bulk/early payment discounts

Fund expansion and growth

Respond to seasonal demands and opportunities

Take on that large new account with confidence

Contact us today, and one of our financial specialists will give you a no-cost analysis of what we can provide for your company.

Bridge and Hard Money Loans

$1,000,000 to $100,000,000

First Merchants Financial Services is highly experienced in providing our clients with Commercial Bridge Loans and Hard Money Loans in a short amount of time. With our numerous partnerships with institutional private investment firms we can provide the capital you need, in the time you need it in.

Hard Money Loans Criteria and Rates:

Loan Size: $1,000,000 to $100,000,000

Lending Area: National and International

Collateral: We lend mainly to commercial real-estate, including raw land and development projects

Interest Rate: Variable from 9% to 14% depending on collateral

Amortization: Interest Only

LTV: Up to 80%

Origination Fee: 1 to 4%

Closing time: 5 Days to 1 Month

Serving Greensboro, Winston Salem & High Point, North Carolina. Since 1999


The Triad  # 1 Small Business & Church Lending Resource    

855-768-0933     336-768-0936

3516 Vest Mill Rd Winston Salem NC 27103


email: firstmerchantsfinancialteam@gmail.com