Monterey's consumer financing program is designed to purchase both consumer receivables in the form of either existing aged accounts receivables financing, including bulk portfolios, or 'flow forward' business through newly generated contracts from businesses selling services or products to consumers. Its variant pricing structure takes into consideration a wide variety of factors, including industry, credit quality, contract term, APR, and volume. As a successful factoring company, our purchasing criteria is more flexible than traditional lenders, Monterey is able to enter niche markets and structure primary, secondary and tertiary purchase rates for proportionate credit tiers.

Monterey's online approval system (O.A.S.I.S) provides instant credit decisions to clients as well as an optional e-signature feature, allowing our clients to execute paperless sales contracts electronically and instantly, saving both time and money.

Successful markets include, but are not limited to:
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