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[Music] hey it's scott owner cruise consulting and today we're talking about accounts receivable based loans and this can be a very helpful financing tool for your startups especially if you have revenue because that means you probably have receivables or you have like a sas based business that has contracts where you know you're going to get revenue in the future and so basically since the beginning of time when banks were invented thousands of years ago accounts receivable is the favorite uh asset to lend against for banks for all time because they know who the person is who you're who you're selling to they can judge the credit quality of that customer they know the term when you're gonna collect the money and so what they're really doing is helping you pull make cash maybe 30 to 60 days forward if you're not going to get paid for 30 days hey it's accounts receivable you finance that you get the money now you take a small haircut and the bank makes the spread and because banks are...