Invoice Financing for Contractors & Subcontractors

Contractors and subcontractors waiting for payments on completed work?
Are some invoices taking 30-45-60 days to pay?

Our lender will fund $5,000 to $500,000 per invoice.

Clients choose which invoices to fund:
Paid When Paid Contracts
Paid If Paid Contracts
Progress Billing Payment Applications
Spot Factoring

Clients choose when to accept invoice funding:
The day of invoicing
The week after invoicing
One month after you invoicing
Any time the Client wants funding

Our lender advances up to 80% of the invoice amount.
Our lender offer rates as low as 1.5% of the invoice amount per 15 days.

Our lender provides added protection against non-payment by sending and filing: Notices to Owners
Intents to Lien

Visit or reply to for more information!

“Application Only” Equipment Financing & Leasing

For businesses that need a quick and simple solution, our lender’s “application only” program is the way to go for those with established businesses and good credit. With a one page application, businesses can obtain up to $250,000 in financing, usually within 24 hours. A simple credit evaluation is conducted using commercial and personal credit bureaus, depending on the size and ownership structure of the business.


Transaction size:   $10,000 – $250,000

Application: 1-page application to review business and/or consumer credit reports
Term length: 12-60 months

Buyouts: $1 Buyout, Fair Market Value, 10% purchase option

Payment types: Monthly, Quarterly, Season, Cash Flow Based Documentation

Equipment Types: Most new or used business equipment, furniture, vehicles, software, etc

Submit a credit application with vendor quote
Approval is secured typically within 2 hours for up to $250,000
Contracts are sent to the customers


Visit or APPLY NOW!

For more information contact Margaret at or (720) 314-8884

For Immediate Release

R Desmond Financial Services LLC dba R Desmond Services Colorado Springs, Colorado – July 27, 2019 —

The move was essential due to R Desmond Services announcement that Founder & Principal Financing Consultant Rob Powell has stepped aside to pursue other financial interests effective July 29, 2019.  “Our new office space will continue operations of our award-winning team and continue to assist entrepreneurs and business owner’s get the financing they need,” said Margaret Wu, CPA.  Margaret was formerly President of 178CPA Financial Services LLC and will assume the leadership role of President with R Desmond Services.

R Desmond Services’ new address will be 985 Pico Point, Colorado Springs, CO 80905. The new office phone number will be (720) 314-8884 and all email addresses will remain the same.

About R Desmond Services 

R Desmond Services assists established entrepreneurs and business owners with their cash flow needs by providing solution-based options for the client’s financial needs. We understand that not ALL businesses are created equal.  Each business is unique and has different needs and objectives. One size does not fit all!  Visit for more information.

For more information, please contact Margaret WU CPA at 702-550-8699 or

Rosenco International LLC and R Desmond Financial Services LLC Announce Strategic Alliance

Rosenco International LLC Las Vegas, NV and R Desmond Financial Services LLC Colorado Springs, CO announced that they have formed a strategic alliance that will see the two companies expand their relationship to encompass projects related to alternative financing to bankable and non-bankable prospect initiatives.

As part of this expanded relationship, the companies will work together to support the expansion of alternative financing capabilities and non-QM products. Joint initiatives will include sharing clients and projects that fit a community bank model.

“We are pleased to announce this latest development in our relationship with R Desmond Services, and what we believe to be an important step forward in our strategy for long-term growth with our bankable solutions,” said Rosenco International LLC President, Howard Rosen.

“Rosenco International LLC has long recognized the potential of a dedicated financing specialist in the bankable market to speed up the delivery of Alternative Financing Services to our customers,” added Howard. “Our most recent work has focused on strategies to move our potential bank structured small business clients to a dedicated process. By leveraging Rosenco International LLC development expertise and popular product line with R Desmond Services, we believe we have found a great combination to accelerate the client funding process. Alternative Financing promises to be a robust platform that we can use to incorporate innovative services that will benefit our customers.”

“R Desmond Services is very excited to partner with Howard Rosen and Rosenco International LLC for financing solutions. Rosenco International supports some of the best-known alternative small business projects and with commercial lending brokers nationwide. Coupled with R Desmond Services bank platform initiative, our companies will be able to cooperate on projects that will benefit customers throughout the United States,” said Rob Powell, Chairman & Chief Executive Officer.

Rosenco International LLC

Rosenco International LLC is a nationally recognized capital market, and business capital professional services firm to commercial loan brokers, entrepreneurs, small business and private clients.

For more information, please contact Howard Rosen at or visit

R Desmond Financial Services LLC

R Desmond Services LLC offers a full range of consulting and alternative financing services to small business clients throughout the United States.

For more information, please contact Margaret Wu  or visit:

Why would a bank want to sell their bad loans?

R Desmond Services are loan acquisition specialists, working with community banks that have interest in selling non-performing assets:

Minimum Portfolio Size = $5,000,000
This is the appraised property value amount
Will consider smaller portfolios on a case by case basis

Purchase Non Performing Loans in All 50 States

Purchase both Residential and Commercial Portfolios

Residential –

Appraised Property values should average at least $100,000+

Note purchasing pools with low property values under $100,000

Prefer Owner-Occupied

First Position Notes Only

Commercial –

Property values should average at least $500,000

No Warehouses

First Position Notes Only

Contact us today at to learn more!

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