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JTB Associates, LLC (now known as the Midwest Business Development Division) a full service CPA firm since 1998, has merged with a national/international non-bank direct lender, Southwest Credit.

Together, the two divisions offer a suite of services not only designed for a company's accounting and cash management needs, but also brings core finance products designed to enhance the financial position of the company.

We offer loans and lines of credit, as well as full back office admininstrative and accounting support. We offer managerial and financing services to take your company to the next level.

Some companies are only interested in obtaining financing, while others are also interested in our back office support. The two are exclusive.

Our core products are currently unsecured loans, contract financing, revolving working capital and credit lines, as well as accounting, cash management and cash flow consultation.

We support all types of companies, including those generally known to be high risk, such as construction, transportation, and medical.

We've expanded, and recently created the Midwest Business Development Division, located in Chicago, IL. This location serves as a specialized task group of Southwest Credit. Each client, assigned a funding advisor, receives dedicated customized personal service, including assistance each step of the way. This alleviates the obstacles felt by those dealing with big corporate headquarters. People want to feel like more than just an account number, and the Midwest Business Development division is designed to take care of this need.

About the Midwest Business Development Division

Has this ever happened to your company? You submitted an application for financing. The application gets declined for some reason that is not clear, and you are told that an explanation will be sent to your home. Or, have you ever applied for financing, and instead of the underwriter asking questions about your application, they chose to decline it instead?

With the Midwest Development Division, these issues are mitigated through our funding specialists. Every step of the way, they are your support. Our funding advisors will tell you what needs to be on the application before it is submitted. If you are in a situation where you dont have financials, (or you are waiting on your accountant) we can prepare them for you to get you the funding you need.

If you are in a situation where you:


•You need additional funds; maybe your bank lines are not enough for expansion and growth

• You are in need of cost effective and efficient capital, as dealing with private equity partners may be too expensive

• You are relying on short term finance solutions, which are to expensive over the long term


Then process your deal through the Midwest Business Development Division.

Doing so, will cut your closing times by as much as 90%. Our funding advisors are here for you every step of the way ensuring a smooth process from beginning to end. We are your liasons between yourself and the underwriters, and we get things done. After funding takes place, our focus will then be on quarterly reviews to assess increases in funding as your company grows.

In Short, Southwest Credit is a non-bank lender, which efficiently will provide:

• Revolving lines of credit, working capital provider

• Business loans

• Contract financing for:

• Government Contracts

• Commercial Contracts

• Bonded and Non Bonded Contracts

• Progressive and Final Billing

If you are in need of expansion capital,to get started, contact Southwest Credit, our Midwest Business Development Division


call toll Free at any time 888.619.0684 or 312.725.6294.

We conduct a "financial suitability interview" to determine the appropriate funding forms to be filled out. Upon receipt of completed package, pre-approvals are issued within 48 hours.

We are a global investor and our funding advisors are available 24/7 To globally accomodate those companies in different time zones.


Contract Financing

Collateralized Lines of Credit as low as 1%-Time in Business must be 2 years

About this special program per location

• Minimum of $500,000 up to $5,000,000 per credit line, (up to $25 million per company)

• No credit score requirement!! (as long as all liens are paid)

• Credit lines are collateralized with Contracts, Receivables, Progress Billings, etc.

• Advances on invoices, up to 80% of invoiced amount, to a maximum of 40% of the contract being advanced at any one time.

• This is NOT factoring - we do not purchase your invoices. We use them as collateral so you obtain lower interest rate. Additionally, you keep the full value of all your assets, receivables, etc.

• Enhances your bonding capability, allows you to do larger and /or more projects, improves your cash flow, etc..

• Cost of funds are very reasonable - 2.5% origination fee on funds raised, 1.0% - 3% average financing cost per project

• Must be two years in business

• Must be able to provide three years financial statements, if not we can prepare these for you.

• Upon receipt of all documuments, pre-approval is 72 hours, funding times are three weeks


Our Factoring Facility up to $250,000, more granted on case by case basis

• Start Ups Welcome!

• Cost is a factor of prime, (ie, prime +3, or prime +4, etc.. depends on strength of application

• Fast Cash - Funds are usually available within 72 hours.

• Pricing is the most competitive in the industry, United States and Canada.

• No traditional personal guarantee required.

• The cash you receive is not reported to any credit agencies.

• Approval is not conditional upon credit score.

• Bankruptcy, Liens, Foreclosures? No problem!


Unsecured Cash Flow Loan

• No financials needed.

• Approvals based on three months business bank statements.

• Quick funding times - 7 - 10 days.
Leasing Programs

• Equipment Financing

• Medical Equipment Leasing

• Acquisition Financing (MD's Only)

• Commercial Auto and Truck Leasing

• Municipality Leasing

• Sale and Lease-back Programs

• Asset Backed Financing

• Commercial Real Estate financing

• Revolving Credit Lines (MD's Only)

• Start-Up Programs


Vendor Programs; We will sell your product for you!!

• OFFER an IN-HOUSE FINANCE PROGRAM Details

• 100% financing allows you to include initial maintenance/service contracts, freight, installation and other up front costs

• Simplified one page application for up to $75,000 ($150,000 medical professionals)

• Conventional lease payments are tax deductible operation expenses

• The equipment is the only collateral pledged, not your home or other valuable assets.

• Leasing opens up an additional line of credit Vs. tying up your existing lines or depleting your cash

• Off balance sheet lease payments do not jeopardize customers' compliance on existing credit lines

• You receive payment in full for your products/services within 48 hours of your customers' verbal acceptance


Unsecured Loans; We will sell your product for you!!

• Unsecured loans up to $175,000

• No finanacials required

• 4 months bank statements needed

• 4 years in business

• Certain industry restrictions apply.

• Financing in 7 - 10 business days.

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To learn more about Southwest Credit, Midwest, speak to client references or to understand our unique approach, please contact us.