Winston Financial Group (WFG) is an accounts receivable factoring firm for small and medium-sized businesses. Factoring is when a company sells it's accounts receivable to a "factor" at a discount. In return, the selling company receives cash for their A/R to spend as needed. WFG offers month-to-month contracts, will work with you on collecting the A/R to reduce your fees to WFG, and provides monthly reports. Basically, you sell a product to a buyer and extend credit by offering terms. This becomes an asset on your books. You then sell this asset to WFG and they charge you a fee (so they can make money). They collect on the A/R so they can get paid the remainder. They run credit checks on your customers as to not accept a poor A/R account. This is strictly on commercial A/R accounts. I just need a reply to this.