As a small business owner, ask yourself these questions:

• Are you a small business with less than $5 million in sales?
  
• Is payroll your company’s largest expense each month?
  
• Are you tired of keeping an unproductive investment in cash to cover your payroll each period?
  
• Want to use cash reserved for one or more payroll periods for more productive uses?  Expansion?  New equipment?  Raw materials?  Closeout deals?  Better terms with suppliers? 
  
• Need cash but can’t get a loan from bank and don’t want to create personal debt through credit cards or a second mortgage?
  
• Considered factoring invoices or purchase orders but want a different short-term maybe even one-time solution?

Introducing American Growth Funding and its Payroll Funding Program

Through our creative Payroll Funding program, we will cover your employee wages, benefits, and all the expenses associated with your payroll each pay period so you can use that capital in more productive ways for your business.  Our program is designed to free up strategic working capital so your business can capitalize on opportunities to generate profit without worrying about meeting high payroll obligations.

If your business is growing rapidly, it is likely that your payroll has grown as well.  If your payroll expenses have grown 15% or more in the last year, you are a perfect candidate for our program.  Most of our clients meet the following criteria:

• Been in business for at least one year
• Business may be cyclical with lumpy revenues, but unrelenting fixed costs
• Have profit margins of at least 25% or more
• Payroll is one of largest expenses at 30-40% of sales
• Growing rapidly but lack of additional capital prevents business from getting to next level
• Access to working capital through loans, credit, or other means is limited or non-existent
• Interested in retaining full ownership and not willing to take on partner for cash infusion

And the number one common thread…if cash was available today as opposed to sitting in reserve for non-productive payroll, a meaningful profit could be generated.

How Does it Work?

After your payroll is covered by American Growth Funding, we set up a long term installment repayment plan that allows you to make very small payments out of cash flow.  The cost of capital in most cases is dwarfed by the profit generated from having this newfound cash to put to work.  Most businesses need one dollar of working capital to support $8 in sales, so having cash from two, three, or more payroll periods to reallocate could increase your company’s sales by 30% or more!  The advance pays for itself, you can expand your business, and your employees never miss a penny in payroll.   

Give your business the edge it needs by accessing strategic working capital in an otherwise tight credit environment.  Contact us today to learn more about our Payroll Funding program, and receive a free media kit to learn more.

At American Growth Funding, we take pride in supporting U.S. small business…one company at a time.