Simply put, Cash Flow means getting cash without going to"the bank."As an industry or practice, Cash Flow is described as: the buying, selling and brokering of privately held debt instruments (assets in the form of monies owed to another individual or business) in the secondary marketplace. The most common forms of debt instruments include accounts receivable in the form of invoices, privately held mortgage notes, and notes for a small business.

Who Needs Cash Flow?
Well, everyone, of course. The flow of cash allows us to conduct business and buy and sell goods and services. The Cash Flow Industry exists to help businesses and individuals get immediate access to cash other than from traditional, conventional lenders.

Why Do We Need Cash?
As a business, access to cash may be for:
Growth - to expand capacity, build inventory, reach new markets or be more competitive
Survival - to cover expenses such as payroll and overhead
As a note holder, you may need cash for:
Growth - Take advantage of new opportunities
Acquisitions -Purchasing other assets
Liquidity - Cover debts or other expenses

Factoring
(A/R Financing)
Access a receivables-based "credit line," with no other collateral.

Private Mortgage Notes
Receiving payments because the buyer could not secure traditional funding?

Small Business Notes
Receive a lump sum of cash rather than installments over time.

Time value of money:
The way the value of money changes over a period of time: simply put, a dollar today is worth more than a (potential) dollar sometime in the future.