paid back in 45 days. So you can see that our asset is very, very close to cash, whereas property is not. Julia: Yes. But the banks, they offer debtor finance facilities. Daniel: It's a different type of product. Julia: Oh. Daniel: They use a confidential facility, and it's a discounting facility. Julia: Right. Daniel: They generally don't legally buy the invoices, and so . . . Julia: Yes, and your requirement is still very different . . . Daniel: Yes, that's right. So if their client should go out of business, they've still got credit issues around collecting those debts and they've got priority payments, and because they don't do the level of auditing on the invoices, there's a higher risk of fraud and dispute on their invoices. Julia: Okay. All right. So I guess, just to sum it up, the question was: "Is there any hope of getting finance if I have credit issues?" And the answer is yes. So, to discuss your deal, call the office on the 1300 number. Daniel: Thanks for watching. Julia: Thank you. About the author Julia is AR Cash Flows Sales and Marketing Manager, with a background in Advertising; she joined the team in 2011. Along with managing the sales department, she's is in charge of implementing all aspects of Marketing. With a passion for all things social, Julia is keen to keep you updated with the latest and greatest from the AR Cash Flow HQ. Need to ask Julia a question?