A Head to Head Comparison Between Keystone’s Invoice Factoring Program and Bank Financing

Businesses Funded

  1. Start-Up Businesses
  2. Rapidly Growing Businesses
  3. Seasonal Businesses
  4. Undercapitalized Businesses
  5. Businesses Operating at a Loss
  6. Businesses with No Assets

Keystone

  1. Yes
  2. Yes
  3. Yes
  4. Yes
  5. Yes
  6. Yes

Banks

  1. No
  2. No
  3. No
  4. No
  5. No
  6. No

Approval Process

  1. Lengthy Approval
  2. Good Credit Required
  3. Financial Statements Required
  4. 2 Years of Tax Returns Required
  5. Personal Guarantee Required
  6. Collateral Required
  7. Business Plan Required
  8. Minimum Net Worth Requirement
  9. Deny for Delinquent Taxes
  10. Deny for Bankruptcy History

Keystone

  1. No
  2. No
  3. No
  4. No
  5. No
  6. No
  7. No
  8. No
  9. No
  10. No

Bank

  1. Yes
  2. Yes
  3. Yes
  4. Yes
  5. Yes
  6. Yes
  7. Yes
  8. Yes
  9. Yes
  10. Yes

Program Features

  1. Unlimited Funding
  2. Debt-Free Financing
  3. AR Management
  4. Free Credit Reports on Prospects
  5. No Finanical Covenants
  6. No Audits
  7. Personal Attention

Keystone

  1. Yes
  2. Yes
  3. Yes
  4. Yes
  5. Yes
  6. Yes
  7. Yes

Bank

  1. No
  2. No
  3. No
  4. No
  5. No
  6. No
  7. No