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| Unexpected Changes | Nobody can forecast the future. When something unexpected happens that alters the financial needs of your client, we can help by providing options to liquidate an income stream that may no longer be adequate. |
| Unpredictable Changes | Usually, the timing of many costly events is uncertain. Shore Financing provides you the flexibility to address your immediate needs, knowing that the plan can be changed when and if the need arises. |
| New Clients | When creating a plan for a client, you aren't committed to working around an existing income stream that doesn't fit the need. |
Shore Financing represents a wide variety of private and institutional investors nationwide, with unlimited funds! These investors aggressively seek to purchase all forms of structured settlements and income streams!
See the Overview page for a list of fundable income streams.
Reasons for having to liquidate all or part of an income stream are probably as unique as each of your clients. Shore Financing can provide a single source for individualized solutions for all of them.
Liquidating an Income Stream
Many people are aware that notes and other income streams can be sold, but many don't realize that an entire note doesn't need to be liquidated at once. In many cases, a partial sale is all that is required to get the funding for your client's immediate need. This means that your client does not have to unnecessarily "give up" the entire future value of their asset.
- Your client can sell immediate payments only, then start receiving
payments again in the future.
- They can sell future payments so they continue to collect
current payments until the sold payments begin.
- There are even ways to split payments. Your client could sell a portion of each payment, so there is still monthly income they will receive.
See Get Cash for Your Note for further details.
Options
The following are some examples of options you will have available:
| Inheritances | Liquidate real estate easily without having to sell at a "distressed" price. Beneficiaries can liquidate any income stream to suit their financial needs. Beneficiaries can get inheritance funds faster. |
| Selling Real Estate | Sell at a higher price, faster, and with fewer expenses using our Temporary Seller Financing strategy. |
| College Funding | Sell an income stream through a series of annual partial sales to assist in or satisfy college costs. |
| Retirement Funding | Use an income stream for funds now to pay for a retirement home or community. |
| Business Growth | Receive immediate payments for accounts receivables, called Invoice Factoring. See our section on Receivables Funding for more details about the benefits of invoice factoring. In some cases, Purchase Order funds can be provided in advance of a sale, which could allow your client to grow his business even before getting to the point of creating an invoice. |
| Selling a Business | Sell at a higher price, faster, and with fewer expenses using our Temporary Seller Financing strategy. |
Together, all of these options provide maximum flexibility for your clients' financial plans. You don't have to trade current financial options against future needs.
Costs
There are very few costs associated with the sale of an income stream -- in most cases, none at all. In some cases, such as selling real estate or a business, there are legal, appraisal, or other small costs that cannot be avoided simply due to the nature of the transaction. However, for the most part, the investors and/or funders absorb the costs of due diligence when evaluating a possible sale. Ultimately, there will be an offer made and that amount is exactly what comes to the table, there are no "hidden" costs.
Risks
The sale of an income stream is virtually risk-free since all income streams have a present cash value. When it comes to the sale of real estate or a business, there may be a small window of time where the seller has to take payments before the sale of the note (usually only a few months) to satisfy the funder's risk tolerance.
Contact Shore Financing to find out how we can help you become more valuable to your clients.
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