Q. Do I have to use the funds for a specific business purpose? A. We have several programs we can offer, including programs that do not require a business to use funds in any specific way. We encourage you to discuss your options with one of our representatives. In most cases we are simply purchasing an asset from you and the proceeds of your sale can be used as you see fit. Q. How long will it take for me to receive funds? A. With most programs we offer, you will receive funds within 7-10 business days. Q. With your programs, am I applying for a loan? A. At Numa Financial Group, we are providing a different service from a loan. With any form of revenue stream financing, future sales can be sold today to raise working capital. You are selling an asset (the future revenue stream) at a discount, so that you can put the money to use immediately. Q. Where does the money come from? A. The capital markets. Investors, whether private or institutional, are attracted to returns. The financial markets change minute to minute, and so do the opportunities available to investors. Capital flows from account to account in seconds and travels around the world at a speed almost too fast to track. At Numa Financial Group, we bridge the gap between entrepreneurs and investors to help both achieve their financial goals. Q. Wouldn't I pay the lowest interest rate if I went to my bank? A. Due to the current lending crunch, the cheapest capital (usually available to those with A-level credit and good relationships with banks) is rapidly becoming difficult to obtain. Effort formerly directed to finding capital at the lowest possible cost is now being directed to finding it from the most expedient possible sources. Reducing cost of capital was perhaps never a valid business objective on its own. It is only useful in the context of opportunity cost and in calculating for profitability. In business, we are concerned with Return on Investment. The best scenario is one where the ratio of return on capital vs. cost of capital is most favorable to the bottom line. Because the sale of a revenue-stream is not a loan, businesses are able to fund opportunities without the lengthy processes of due diligence, underwriting, and approval that are required when pursuing conventional financing. So what is the cost of capital in revenue-stream financing? As in any competitive free market, the cost of capital is determined by supply and demand. Many factors weigh on this equation: how fast, how much, how much risk, and the value of the opportunity for which the capital will be used, both to the business seeking funds and the investor providing them. At Numa Financial Group, we bridge the gap between entrepreneurs and investors to help both achieve their financial goals.