- Annual Sales Volume
- Credit Worthiness of your clients
- Average Invoice Size
- Domestic or International
- Payment Terms

More importantly we want to charge you fairly for our services. Having been in business for 30 years we can proudly say that the reason why we have been in business for this long is because we have treated clients fairly over the years.

In addition J&D Financial uses the Prime Plus Method of factoring not the Discount Method of factoring. The Prime Plus Method is used by larger factors while the Discount Method is used by smaller factors. Usually the Prime Plus Method produces lower rates to you than the Discount Method. When talking to other factors find out how they are charging you. Ask also if there are additional fees if your receivable gets "old". J&D does not any additional fees if your receivable gets "old".

The Prime Plus Method has two fees and only two fees. The first fee is a one time fee per invoice called the

**Factoring Fee**and is charged on the gross amount of the invoice. The second fee is the

**interest charge**on the money advanced per invoice based on your advance rate. The interest charge begins on the day we advance your funds for that invoice. The interest charge is a percentage over the prime rate that has been agreed upon prior to signing our factoring agreement.

Example: