Click here to start the application process
However, it's very important to read the rest of this column first. Also, you can Bookmark This Page for answers to future questions you may have regarding Steps 2 & 3.

Security 
Our SSL Certificate secures and encrypts all of the data you enter and write to our databases over the internet. The SSL Certificate is symbolized by a padlock icon visible at the bottom of every secure page. It looks like the padlock above. Double click it on any of our secure pages for detailed information regarding the SSL Certificate.

Our simple criteria
  Your personal credit is not an issue
  We must like your industry. Exclusions:
   Retail
   Medical services
   Standard construction
   Your customers must be creditworthy

Instructions
  If your company is either a corporation or a limited liability company (LLC), we need the exact legal name and ID number assigned by the Secretary of State. If you are unsure, pick your state and look up your company.

Select Your State Alabama Alaska Arkansas Arizona California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Massachusetts Maryland Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  You will be entering data about your company, its owners and banking into web forms. Please use "mixed case" for data entry, otherwise the processing of your application will be delayed. In other words, please enter your data like this:

My Small Business, Inc.

  After you complete this step, the owners of your company will receive emails either instructing them how to complete the process or advising them that your business model is incompatible with our criteria.

Identity Verification & Document Signing
While online in the final signup step, our partner Equifax®, will authenticate the identities of the owners of your company by asking each of them a series of "out-of-wallet" questions, drawn from their credit file. These are questions that can only be answered by the person being asked even if he/she lost his/her wallet/purse. It's sort of like an online Notary Public. This has nothing to do with their personal credit and won't affect their credit or credit score.

What to do in the event of a low identity score
This means identity was not confirmed and usually occurs because the person answering forgot certain details regarding his/her credit history. The easy solution is to buy a $10.00 Equifax® Credit Report and retake the test. Either select the first option, under "Best Deal" on the right, which is a little more expensive, if you also want your FICO score, or the second option, "Get only your Equifax Credit Report™" if you want to pay the minimum. Uncheck the checkbox labeled "Add Equifax™ Credit Rankings."

Electronic Document Signing
Each document signer must click the "I Agree" buttons, which serve as electronic signatures, associated with each document presented for signature. The documents can be reviewed by clicking the document title links. Your company will receive an email stating that it can start factoring invoices, unless a problem arises, in which case, you will be advised.

Possible problems
If we discover any UCC-1 Financing Statement filings, indicating other companies claim to have security interests in your business assets, or the existence of Federal and/or State Tax Liens, we will contact you to try to solve the problem.

Online Invoice Creation Tutorial
Please read the User Guide on the landing page after logging in or watch this 10 minute video, both of which explain how to use our online invoicing technology.

Reminder Emails
You will receive periodic automated reminder emails from us if you don't complete any step in the signup process or if you complete it, but your company doesn't factor any invoices. To terminate the reminder emails, merely reply to one with the text "Remove Me" in the body.

What to do if you didn't complete a step, initially
  Click here to finish Step 1 - Data Entry
  Click here to finish Steps 2 or 3 - Equifax® Identity Verification & Electronic Document Signing