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Business Manager


accelerates your cash flow

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Need short-term working capital that actually supports the pace and needs of your business? First Liberty Bank can provide your business bank-based receivables financing that works for you. 

With our unique and safe program, your business will receive cash deposited into your operating account every time you submit an invoice – giving you quick access to the money you’re owed.

So, whether you receive payment in 30, 60, or 90 days, get cash on hand to meet the daily demands of your business.
For more information or to schedule an appointment about BusinessManager accounts receivable financing, email Jesse Cowan or call Jesse at 405.608.1129.
BusinessManager is most beneficial for businesses that are:
  • Experiencing growth
  • Missing prompt-pay discounts
  • Missing volume discounts
  • Expanding into another market or line
  • Wanting to make more money
  • Looking to become debt-free, cash-funded
  • Young businesses with a performing SBA working capital line
Ask yourself:
  1. Are you missing out on prompt-pay or volume discounts from suppliers?
  2. If you could pay vendors within five days of invoice, could you negotiate better prices?
  3. Are you turning down business due to cash flow constraints?
  4. Could you better manage your business if you received payment for every invoice within 24 hours?
  5. Do you prefer working with a local lender?

Accounts receivable can feel like a frozen asset on your books as you wait for payment from customers. Now you can unlock that asset and let it take your business to the next level.

Throughout its 28-year history, BusinessManager has been used to finance businesses in over 400 unique NAICS codes. It’s a great fit for industries such as:


The average trucking company gets paid in 42 days, and accounts receivable make up 30% of total assets. Business owners often struggle to meet the significant weekly demands associated with payroll, fuel, repairs and other costs. That is why trucking companies have always used BusinessManager. Take the wheel with confidence knowing you will have the cash needed to support your business.


For the average staffing services firm, A/R turn is 58 days and 45% of assets are tied up in accounts receivable. Yet, you generally need to pay employees weekly or bi-weekly. That can be a monumental task. It can also keep you from growing your business. BusinessManager helps you overcome the cash flow crunch while waiting to get paid. Just think what life would be like if you received cash for each new invoice within 24 hours.


For many privately held businesses that manufacture parts, supplies, and other goods, accounts receivable can amount to 20 to 30% of your total assets. BusinessManager helps you maintain a strong cash flow position despite the traditional turnaround time of 40 to 55 days for your receivables. Just think what prices you could negotiate if you had cash on hand to pay your suppliers in less than five days.

For more information or to schedule an appointment about BusinessManager accounts receivable financing, email Jesse Cowan or call Jesse at 405.608.1129.



Energy businesses have been booming in the U.S. for over a decade, with some support businesses growing by more than 100% annually. It takes a predictable source of cash to achieve that growth. Whether you are working in oil and gas field services, renewable energy operations, or other related fields, we encourage you to consider BusinessManager. It helps you manage that kind of rapid growth with the cash to purchase new equipment, upgrade technology, and effectively serve customers.


It can be a challenge to support the cost of carrying inventory while maintaining the cash flow to take advantage of key discounts that can give you a competitive edge. BusinessManager ensures you'll always have cash on hand to take advantage of cash-based, prompt-payment, or volume discounts from your vendors.

Professional Services

Since its inception, BusinessManager has been used to finance accounts receivable for companies offering business and professional services. Bottom line, if your company provides a service and sends an invoice to your clients, you should take a closer look at this financing option. Many business owners do the work and then the waiting game begins, sometimes getting paid 40 to 90 days later. Stop being the “bank” for your clients. Next-day cash allows you to grow your business by hiring additional staff and expanding into new territories.