ccbg logo

Capital City Bank

PREFERRED METHOD OF CONTACT

PHONE EMAIL

HOW IT WORKS

Steady and robust cash flow keeps your business running smoothly. But when most of your revenues are locked up in receivables, those valuable cash inflows can slow to a trickle. Then what?



business relationship infographic

Factoring from Capital City Bank transforms your receivables into cash you can put immediately to work in your business.
Here's how it works:

  1. You invoice your clients for products or services provided.
  2. At the same time, submit your invoices, and Capital City Bank purchases them at a small discount, advancing you up to 89% of the invoice value. A reserve between 5% and 20% is held as a refundable deposit only until the invoices are paid. Reserve and discount amounts are based on your clients' credit standing and payment history.
  3. Capital City Bank sends 30 and 60-day collection letters on your or Bank letterhead according to your preference.
  4. The reserve is returned to you when the invoices are paid.

FREQUENTLY ASKED QUESTIONS