Advance Rates & Factoring Cost

90% Advance Transactions

All new clients start factoring at an 80% Advance (see below). However, at our discretion, and after we have had sufficient collection experience to demonstrate that your customers pay their invoices within 60 days, maximum, you will be given the option to receive a 90% advance when you release your invoices on our extranet for us to process. But each transaction, for which you request a 90% advance, must meet all of the following conditions:

• The total transaction amount, meaning the total of all invoices making up the transaction, must be $10,000 or greater
• All invoices must have Net 30 day terms, or less
• The customers being billed must have AAA credit

If all these conditions are not met, a 90% Advance will not be available, and the transaction will be processed with an 80% Advance (see below). Rebates are only available for 80% Advance transactions and are not applicable for 90% Advance transactions. The Factoring Fee for 90% Advance transactions is a flat 10%.

80% Advance Transactions

All new clients start factoring at an 80% advance rate.

There are 2 Fee Plans for 80% Advance Transactions

• Plan 1 - Large Transactions & AAA Credit Customers Only
• $50,000 minimum transaction value
• $10,000 minimum individual invoice value within each transaction
• Customers must have AAA Credit
• Plan 2: All other transactions.

Rebates

By advancing 80% of the value of each factored transaction, we actually purchase your invoices at a 20% discount from face value. The discount consists of our factoring fee and your "Rebate," which is your share of the 20% discount, the calculation of which is based upon the collection period, and is detailed in the Fee Plan table below. As you can see, the sooner your customers pay, the higher your rebate and the lower the factoring fee.

Rebate & Factoring Fee Table

Rebates are funded daily, as available
	Fee Plans
Collection Period	Plan 1		Plan 2
Number of Days	Rebate	Fee	Rebate	Fee
1 - 10 Days	19%	1%	18%	2%
11 - 20 Days	18%	2%	17%	3%
21 - 30 Days	17%	3%	16%	4%
31 - 40 Days	15%	5%	14%	6%
41 - 50 Days	13%	7%	12%	8%
51 - 60 Days	11%	9%	10%	10%
61 - 70 Days	9%	11%	8%	12%
71 - 80 Days	6%	14%	5%	15%
81 - 90 Days	3%	17%	2%	18%
Over 90 Days	0%	20%	0%	0%
21st Capital Corp is the only factoring company that publishes its factoring fees

Hypothetical Example

Assuming a $10,000 transaction, Plan 2 and a 30 day collection period, your initial advance will be $8,000, our fee will be $400 and you will receive a rebate $1,600, or a total of $9,600, including the 80% advance of $8,000.00. Of course, the rebates & fees for your transactions may differ.

---

Smartphone Invoice Factoring - Incredible!

Can you imagine creating invoices online and factoring directly from your smartphone? Amazingly, our mobile site is smartphone optimized and has virtually all the functionality of our classic extranet site, with a few exceptions, such as, Quickbooks integration & document uploading. Visit our mobile site by pointing your smartphone browser to www.21stcapital.com or just focus the camera in your QR enabled phone on the QR Code, above.

HTML5 Video Demos Learn All Aspects of Our Unique Invoice Factoring System

Subject	Length
Extranet Overview (Coming Soon)	N/A
Online Invoice Creation	10 Min
Quickbooks Factoring Integration (Coming Soon)	N/A
Accounting Adjustments (Coming Soon)	N/A
Electronic Timesheets for Staffing Firms (Coming Soon)	N/A
Invoice Approval (Coming Soon)	N/A
Backup Documents - Virtual Filing Cabinet (Coming Soon)	N/A