two men and a woman working on computer in a warehouse.

BusinessManager®

The Best Cash Flow Solution for Your Business.
 
Turn your Invoices into Opportunities.

A/R Financing with BusinessManager®

Turn your accounts receivable into working capital. 
Cash flow challenges are part of even the most successful businesses. Inconsistent payments and unpaid invoices are frustrating and can limit long-term growth potential.  

With A/R Financing, AVB Bank will turn your accounts receivable into cash within 24-hours. This allows you to worry less about cash flow and more about growth. 
 
If your growing business has business-to-business (B2B) sales, but needs more consistent cash flow, A/R Financing may be the perfect solution. 

  • Retain more working capital during periods when you are waiting for customers to pay for services rendered.
  • Secure funding to grow your business, meet payroll, settle payables, and increase inventory.
  • Pursue larger contracts, attract new customers, and boost sales.
  • Take advantage of prompt payment discounts from suppliers.
  • Offer more flexible payment terms to your customers.
  • Experiencing growth
  • Missing prompt-pay discounts 
  • Missing volume discounts
  • Expanding into another market or line
  • Wanting to make more money 
  • Looking to become debt-free, cash-funded
  • Performing SBA capital line for young businesses
  • Are you missing out on prompt-pay or volume discounts from suppliers? 
  • If you could pay vendors within five days of invoice, could you negotiate better prices? 
  • Are you turning down business due to cash flow constraints? 
  • Could you better manage your business if you received payment for every invoice within 24-hours?
  • Do you prefer working with a local lender?
Think about your accounts receivable and outstanding invoices as a form of collateral. 

  1. AVB Bank purchases your accounts receivable at a negotiable rate, both initially and on an ongoing basis, as new receivables are generated. 
  2. Funds are deposited into your account within 24-hours of invoices being submitted. 
  3. Detailed reports are available in real time, allowing you to monitor overall A/R turn and per customers turn, as well as past due invoices. 
Growth | Cash Flow | Discounts | Peace of Mind | Flexible Terms | Vendor Relationships | Line Management 

  •  Your business gets the working capital it needs by funding on your invoices as soon as you submit them to the bank. 
  • No waiting 30-, 60-, or 90-days for payment. 
  • More flexibility than a traditional line of credit, including higher advance rates.  
  • Stop putting off critical equipment purchases or technology upgrades. 
  • Take advantage of supplier discounts for upfront or prompt payments.






 
 
 

"See how businesses like you are utilizing BusinessManager®.

Reach out to me below and get started today!" 

- Lauren Smith, Senior VP & Commercial Lending Officer