S. W. Richardson & Associates is a cash flow consulting business that works with specialty finance companies. Our goal is to assist businesses in increasing cash flow without incurring more debt. Many businesses have a large paper asset on their financial statement that can easily be converted to spendable cash within 24 hours by factoring. Factoring is the sale of your business accounts receivable at a discount in exchange for immediate cash instead of waiting 30 - 90 days of payment from customers. Cash that can be used to meet payroll, take advantage of early payment discounts, pay bills, grow your business, etc.