Our Services

DOMESTIC/OVERSEAS FACTORING / ACCOUNT RECEIVABLES BOOKKEEPING

"I worry if the customers I'm selling to have the credit ability to pay me on time, and sometimes we need extra funding before payment to maintain our business production."

As a form of asset-based lending which includes credit protection and advice, factoring is an agreement between client and PBC, where PBC will purchase accounts receivables and assume responsibility for the client's customers' financial ability to pay. Factoring also involves A/R bookkeeping, EDI and payment processing, as well as collections and receivables financing. Cash advances are possible against open receivables, prior to collection.

As an industry leader, PBC customizes financial solutions that best help companies of various sizes, while improving cash flow and reducing unnecessary expenses and losses. PBC will collect payments on the client's behalf and present useful and easy-to-read reports.
 

TRADE FINANCING

"I need to buy/sell a large order to a customer in Shanghai, China and we need an easier, faster form of financing for materials."

Though banks generally coordinate trade financing (also known as import/export financing), they must adhere to stringent with rules and regulations, often preventing general customers from accessing this valuable trade tool. PBC offers simple and fast trade financing by bypassing the bank's complicated and time-consuming procedures. PBC will purchase the goods on behalf of the client through related banks and will obtain payment from the client afterwards.
 

P.O. FINANCING

"I need some funding to begin production for a purchase order I received from my customer, and I don't know where I'll find that kind of funding"

P.O. financing allows purchasing of materials for production by using the actual confirmed purchase order(s) as collateral. Since funding is promptly available without the need for collateral (i.e. accounts receivables) other than the purchase order, this type of financing is a great alternative source for businesses requiring financing beyond current lenders, all the while significantly increasing sales capabilities.
 

COMMERCIAL REAL ESTATE LOANS

"I would like to take part in the real estate boom that is sweeping the nation, but I currently don't have much financial resources, and now I'm missing out!"

Commercial real estate loans can be for all types of income producing and commercial properties, including shopping centers, apartments, office buildings, owner occupied buildings, manufacturing facilities and more. They are collateralized, generally with some other type of real estate. Whether to refinance an existing commercial property or to finance an acquisition, PBC can structure the commercial real estate loan to clients' needs, available with long term permanent fixed rates.  Bridge loans are also available, which "bridge" the long financing times during escrow periods; a loan for an interested property can be funded prior to the close of the selling property's escrow process.
 

VARIOUS SHORT TERM LOANS

"I don't have any purchase orders or accounts receivables for financing my business, but we need some funding to expand our business to accommodate our growth."

Small businesses often require short-term loans to finance the start-up period, uncertain cash-flow times, seasonal purchasing, increased marketing efforts or new ventures. The length of the loans can be anywhere from 30 days to up to a year (for credit line loans). A short-term business loan can help even out cash flow, and are frequently used when financial projections indicate that the funding will directly promote an increase in revenue. With PBC's various flexible short term funding options, many of our clients have benefited tremendously from its ease of use.