At FW Financial Services, we specialize in "secured" financing. "Secured" is a term used by lenders that means there are assets (such as accounts receivable, equipment, inventory, land/buildings) within a business to use as collateral to secure the loan or line of credit. The collateral will determinte the type of lender we will recommend: factor, bank, or asset-based. All creditors will examine cash flow closely when pricing the costs of various types of loans.

Typically, business owners require some outside assistance. When the need for financing arises, you may require the need for outside consultants or financial advisors. We will assist you in locating these professionals as a service throughout the country. FW Financial Services helps our customers qualify for bank financing. This process is not always very easy for business owners to understand. Achieving a bank line of credit may seem like a no-brainer, but it isn't. Many of our customers come to us after their bank has had to say "no." Often, we can repackage the customer, helping them understand what the bank wants to see and successfully place them into a bank line of credit. However, there are times when the path to a traditional bank is a two-step process.

Understanding the two-step process is part of our job. FW Financial Services provides "outside-of-the-box" solutions for business owners. If your company is experiencing one or more of the following symptoms, additional financing will be extremely difficult to obtain:

• Negative Cash flow
• Highly leveraged
• Too much short term debt
• Past losses
• Current losses
• Accelerated growth
• Poor credit

We know how to deal with these scenarios. Our mission is to help you create and sustain whole business health by giving you unlimited access to financial institutions and management consultants who target your industry.

If you would like more information about our programs, please e-mail us at info@fwfinancialservices.com or call Harry or Tami at 503-295-2929.

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