Factoring-Accounts-Receivables, we offer our customers a wide range of working capital financing options, to enable them meet their short term financing needs. Drawing Against Uncleared Bank Cheques From time to time, a customer may be in need of temporary accommodation to overdraw its account with the bank. This facility allows the customer to draw funds from their account against instruments in clearing. Overdraft Facilities An Overdraft Facility is a line of credit which allows a customer write cheques for more than the actual balance on the customer's account with a finance charge on the excess. Simply put, it is an open credit, which can be used repeatedly until the balance on the account reaches a pre-arranged limit with a specific repayment date, usually one year. Revolving Credit Facilities A Revolving Credit Facility is usually structured as short-term facility where the customer repays each drawing by a fixed period of time, usually from 30 to 180 days. The customer may re-borrow sums as needed up to the limit of the facility. This facility is usually for companies in stable industries with strong financial planning systems and is usually used for financing a company's permanent working capital. The facility tenor usually may not exceed 3 years. Invoice Discounting Factoring-Accounts-Receivables Invoice Discounting gives the customer the benefit of enjoying immediate cashflows from account receivables while still retaining sales accounting and credit control functions. Invoice Discounting involves a continuous arrangement between the bank and the seller of goods or services on credit, whereby the bank purchases account receivables for immediate cash. Invoice Discounting is undertaking either on a confidential basis or on disclosed basis. Under the confidential basis, no notice of the bank's interest in the debt is given to the debtor. Under the disclosed basis, a notification is given to the debtor of the assignment of the debts to the bank. Distributor Credit Plans The Distributor Credit Plan is a scheme established by Factoring-Accounts-Receivables for the distributors of our large corporate customers as well as other distributors to encourage the development of small and medium sized enterprises in the country through the provision of competitively priced loans to small and medium sized distributors. While the loans shall be provided by the Bank, we have also put in place a capacity building program to support the distributors in developing their businesses Trade Finance Trade Finance involves the management of money, banking, credit, investments, and assets for international trade (import and export) transactions. At Factoring-Accounts-Receivables, we specialise in providing innovative solutions to complex Trade Finance transactions. We have developed a wide range of financial solutions for importers and exporters. These products are designed to assist you in managing your trade cycle efficiently. Through our in-depth knowledge of your business sector and our professional assessment of the inherent risks at every stage of your trade cycle, we can structure products that provide the working capital required for the different stages in the cycle. Factoring-Accounts-Receivables possesses the expertise, experience, resources and efficiency which have been amply demonstrated in the past to other customers and which we are willing to offer you. Leases A Lease Finance is a fundamentally a business arrangement where the owner of an asset (lessor) allows another person (lessee) to have possession and use the asset for a consideration (rental). The rentals are fixed payments made on stipulated dates. Factoring-Accounts-Receivables Lease Facility enables businesses obtain specific type of assets such as plant and machinery, vehicles and computers etc while enjoying significant cash flow advantages derivable from the structure of the lease transaction which is usually customer tailored. Working Capital Financing - Working Capital Funding & Lending

ACCOUNTS RECEIVABLE FINANCING ACCOUNTS RECEIVABLE FUNDING ACCOUNTS RECEIVABLE LENDING ACCOUNTS RECEIVABLE PURCHASING WORKING CAPITAL FINANCING ACCOUNTS RECEIVABLE LOANS ASSET BASED LENDING COMMERCIAL EQUIPMENT FINANCE FACTORING COSTS FACTORING QUOTES PROCESS FACTORING APPLICATION FACTORING FINANCIAL SERVICES RECEIVABLE LINES OF CREDIT BAD CREDIT FACTORING CREDIT CARD FACTORING FACTORING LINE OF CREDIT INVOICE FACTORING INVOICE FINANCING INVOICE FUNDING SMALL BUSINESS FINANCING NEW BUSINESS FUNDING INVOICE FACTORING COMPANY START UP CAPITAL PURCHASE ORDER FINANCING FREIGHT BILL FACTORING FACTORING QUESTIONS AND ANSWERS FACTORING COMPANY FACTORING MEDICAL RECEIVABLES FREIGHT INVOICE PURCHASING TRUCKING FACTORING TEMPORARY STAFFING FACTORING TEMPORARY STAFFING NURSING DEBITOR-IN-POSESSION FINANCING TAX LIEN FUNDING TAX LIEN FACTORING LINKS