MULTIPLE FUNDING SOLUTIONS, INC.
TEQUESTA, FLORIDA

Besides her role as Principal and President of Multiple Funding Solutions, Inc., Flor is the CFO/Treasurer for Cash Flow Exclusive, LLC, the company that publishes the cash flow industry website CashFlowExclusive.com. In addition to her responsibilities, Flor is also one of the founders and instructors at the MicroFactoring Academy, where interested investors are trained in factoring small receivables and where they learn how to operate their own micro-factoring business. Flor is a Certified Cash Flow Consultant and has gained extensive experience with business financing – and Factoring in particular – through one of her previous management engagements with a British furniture and design company in Europe. She is a member of the local Chamber of Commerce and the Hispanic Chamber of Commerce, as well as of several business and trade organizations. For valuable contributions to their business development programs, Flor has received the “You Make The Difference” award from the Business Loan Fund of the Palm Beaches and was voted “Woman of the Year” by the USA Army, from whom she had also received the “Circle of Winners” award for outstanding performance and contributions to the community. She had also served on the Board of Directors of another company she worked with, and she is constantly on the lookout for new and different opportunities to help small businesses succeed. With many years of international marketing and sales experience, her fluency in Spanish, German & French, and a focus on new business development, account / project management, and customer service, Flor has worked with and consulted for some of the world’s leading companies in the automobile and soft drink industry. She has also been instrumental to the business expansion of numerous small and midsize companies in the USA, France, and the UK, and has helped them launch, promote, and sell their products worldwide. Flor has a degree in Business Administration with concentration in Human Resources and Project Management from a leading business school in Europe with further accreditation from the Florida International University. Since 1983, she has been married to Ralf, and after having moved from Frankfurt to Paris to London to Fairfield, CT, she and Ralf have now settled down in a small hamlet close to Palm Beach, FL, from where they operate Multiple Funding Solutions, Inc., Cash Flow Exclusive, LLC, and The Micro-Factor Academy. Besides his role as Principal and CEO of Multiple Funding Solutions, Inc., Ralf is the co-founder, President, and CEO of Cash Flow Exclusive, LLC, the company that publishes the cash flow industry website CashFlowExclusive.com. He is also one of the founders and instructors of The MicroFactoring Academy, where interested investors are trained in factoring small receivables and where they learn how to operate their own micro-factoring business. He also had a seat on the Board of Directors of another company in a non-related industry. He teaches classes on “Alternative Business Financing” and up until recently has been a volunteer marketing instructor for the Florida Women’s Business Center. Ralf is a three times recipient of the “You Make The Difference” award from the Business Loan Fund of the Palm Beaches for valuable contributions to their small business development programs. Having lived and worked in many countries around the world for most of his professional life in international business since 1983, Ralf‘s expertise includes a broad portfolio of Business and Marketing solutions typically required for managing a multi-national Fortune 500 company. Special areas of his expertise include strategic Marketing and Brand Management, Sales, and Communication and Advertising development. He held various executive positions such as International Director, Senior Vice President, and Executive Vice President for some of the world’s leading global marketing research and consulting organizations. As a member of the European management team, he was part of one of the Fortune 100 Company’s core business divisions in the consumer goods industry with international responsibility for Marketing Research, New Market Development, and Relationship Marketing. He has had keynote speaker, presentation, and teaching / training engagements at various Fortune 500 consumer goods industry conferences in USA, Europe, and Asia, as well as for the American Marketing Association (AMA), the S.C.O.R.E. group, and a non-profit business development and financing organization in Florida. With most of his education being completed in Europe, Ralf holds a Business and Administration degree with a concentration in Marketing. He was first introduced to Factoring in 1996 during his professional life in the UK. Factoring is a form of trade financing for business-to-business (B2B) and business-to-government (B2G) sales transactions in which a business sells its accounts receivable (invoices) to a third party – the factoring company – at a discounted price. The factor provides working capital to the business by advancing money against valid invoices for products sold, delivered, and accepted – or for services rendered and accepted. The business in need of cash can thus shorten its receivable cycle and accelerate its cash flow by receiving immediate cash for its invoices to customers with payment terms, instead of waiting 30, 60, or 90 days before the invoices are due for payment (or before the customers actually pay, as payment terms are not always honored).. Over its many centuries in existence, factoring has become more and more mainstream and today is a preferred choice of many small business owners as well as larger corporations. In 2014, the factoring market in the US was estimated to be about $110 billion. Worldwide, Factoring is now a $3 trillion business! Factoring can be a useful and sensible source of funds for new, young, and established businesses alike. However, it is not a “seed money” option for start-ups if the business does not yet have any accounts receivable to sell.