Providing short term funding solutions for SME's all over Australia.Running a business can be fickle. All too often we witness a business performing at its peak for months on end, only to see it crash into obscurity seemingly overnight. If sales were good, how could there have been a problem? Cash flow – or lack of it – is the killer. It’s caused the ruin of far too many small businesses that, in every other aspect, had great prospects and a clean bill of health. Companies can, and do, simply starve to death while they wait for invoices to be paid. At SpotFactor.me we recognised that SME's needed effective short-term financing, and did something about it. The solution is called SpotFactor.me, and we turn unpaid invoices owing into cash within 4 hours. With none of the red tape that banks traditionally demand. SpotFactor.me is a highly innovative industry adaptation of discounting, factoring, or cash flow funding. The essence of cash flow funding is simple; it represents the sale of invoices to a third party, at a discount on the face value. Having unpaid invoices owing converted to cash within 4 hours is a benefit that can’t be overstated; yet SpotFactor.me rates are very reasonable. They’re calculated at a modest fee per thousand dollars per day – no hidden clauses or contracts. The icing on the cake is that the fees are also tax deductible, where the service is used as part of the day-to-day running of the business. By removing the headaches of juggling cash flow, SpotFactor.me frees up your time to focus on doing what you do best... making sales and building your business.