Guitars - Financing - Recruiting - Credit Data - Business Loans - Point of Sale Systems - Invoice Factoring 

Eduardo Ramirez -

MLO NMLS #1086161 California and Minnesota - Approved-Inactive

Guitars - Financing - Recruiting - Project Management


We offer financial services to fast growing wholesaling companies an alternative to banking financing.  When banks either will not loan or offer too little funds, Eduardo Ramirez promptly supplies a steady stream of cash through Invoice Factoring and PO Funding through his network of Factoring Services Companies.

Through our factoring programs, you will have the money to meet your obligations and/or take advantage of opportunities. The factoring company will wait for your customer to pay. 

Factoring Process

  • You provide goods or services to Creditworthy customers, and you invoice them with a copy sent to Factoring Service Company.
  • Factoring Company funds your business with an immediate payment.
  • Customer makes payment directly to Factoring Company per invoice terms.
  • Factoring Company returns the balance of the paid invoice to you minus a fee.

Available Programs

  • Invoice Factoring, Accounts Receivables & Purchase Order Financing/Vendor Guarantees
  • 85% to 92% Advance Rates with Online Invoice Submission, Reporting and D&B Reports
  • Professional Touch with your customers
  • Faster Client Approval versus slow Bank Underwriting
  • Credit Protection Programs!


  • Startups, Turnarounds, Bank Exiting and non or Under-Bankable Relationships
  • Personal Credit of Owner is not an issue; we look at our Client’s customer’s ability to pay
  • Fast Growing Client with sales of $25,000 - $3,000,000 per month
  • Importers, Distributors, Resellers, Jobbers, Wholesalers & Sales Organizations


Factoring companies work with all kinds of importers, too many to list here. Here is an example of US food importers we work with:

  • Meats and meat products
  • Meats and meat products
  • Fish and shellfish
  • Dairy products
  • Nuts and nut production
  • Coffee, tea, and spices
  • Grains, grain products, and bakery foods
  • Vegetable oils, olive oil and oilseeds
  • Cocoa products and chocolate
  • Sauces, essence oils, and other edibles

What is needed to get started? A Simple One-Page Application!