McCurdy Cash Consultants, Inc.

To provide any commercial or non-profit entity receiving revenues or donations with beneficial
services to accelerate their cash flow, save staff time and/or the need to hire additional
personnel, automate these collections, and offer other proprietary technology that all serve to
improve the entity’s bottom-line and efficiency, and endear the enterprise to its customers.

McCurdy Cash Consultants, Inc. (MCC), was founded in June of 2000, on the heels of months to years of research and study in these fields. MCC's founding was compounded by its founder's previous work experience in banking, investments, and a myriad of corporate work activities and relationships, and, his love and passion for contributing to others through his church, alma maters, his children's schools, specific charities, and other community or service pursuits. From this background, MCC recognizes well how vital a company or charitable concern's cash flow is to its success and life. Accordingly, MCC's ability to accelerate cash flows into businesses and other enterprises while also saving those entities 10-50% in their invoicing or other revenue collection activities, is as much a WIN/WIN business objective as its founder's continuing support to schools, churches, and charities in our world community and the related commendations for international milestones accomplished in these areas of giving. In all products and services offered, MCC is committed, at minimum, to assisting any and all sources we serve, and as such, we look to all our "customers" as "partners" towards mutual success in every way reasonably possible.

Our business services fall into two general areas: Revenue or Donation Collection Products and Services, and Computer and Related System Enhancements. In this first area, we deal in checks and credit cards and their supportive services. Our checks are always electronic, as opposed to traditional paper checks, and they serve to benefit both the commercial entity offering them to its customers as well as being a convenience to those customers. As electronic checks, they settle - free and clear - into your bank in no more than 48 hours. As a further safeguard, we offer several options like

verification services that identify bad check writers immediately from our nation's three databases compiling such information. We also offer FREE check recovery for NSF checks that is statistically successful 70-80% of the time versus 45% for traditional collection services, and are even developing a guaranteed check recovery service.

MCC feels it's important for all sources accepting checks or credit cards to know the differences in penalties for the fraudulent use of these two payment instruments. For the writer of fraudulent checks, the maximum penalty is a $25,000 fine and up to 10 years in prison for each incident; for the fraudulent credit card user, the maximum penalty is a $1000 fine.

Industry analysts agree that 50% of Americans do not have a credit card or have used up the limits on their credit cards, and as such, are restricted to purchases by cash or their checking account only. Compound this finding with the desire of American consumers and these same industry sources also believe, if given the choice, that three out of four Americans would use their checking account over a credit card. In 1999, over 68 billion checks were written in this country versus 13.4 billion credit card transactions, and that number is growing. As shocking as it may seem to many, American businesses and consumers still prefer using checks to credit cards.

As concerns MCC's electronic check, and the geometric growth in its usage and acceptance, when compared to traditional paper checks, Chairman Spencer Bachus at the Domestic and International Monetary Policy Subcommittee Hearing on The Future of Electronic Payments, said, "Electronic transactions could, collectively, save the American consumer up to $51 billion each year."

MCC is also concerned with saving each "partner" staff time and other invoicing costs through its technological service enhancements and select revenue or donation collection services. One of the compelling arguments behind MCC's efforts in this area comes from a study by the Harvard Business School, whose results were later adopted by the Small Business Administration. In this study, it was determined that the average cost of producing a single invoice is $4.17, after accounting for stationary and/or the printed invoice, envelopes, postage, and the staff costs in producing the invoice to mail, in receiving the return invoice and depositing the check, and in making follow-up calls when invoices are not paid on time or when there are NSF checks.

Finally, MCC takes particular pride and satisfaction in the fact that many of its services also benefit charities, educational institutions, and other similar organizations. For just one example, in a 10-year study, the "Non-Profit Times" concluded statistically that it takes ten times as many donors who are on a monthly reminder (invoice, notice, etc) to equal the same amount of money as those on an automatic draft.

Links to our Products & Services:

EFT and Automated Payments	Lockbox Creation
Electronic Checks by Phone, Fax, or E-Mail	Software for Point of Sale
Electronic Check Conversion	Secure Processing Gateway
Online Electronic Checks	Complete Transactional Processing Systems
Credit Card Processing	Purchasing and High Speed Invoicing Software
Stored Value, Debit, Payroll, Money Transfer, Gift, Purchasing, and/or Affinity Cards	POS Hardware Products
Electronic and Traditional NSF Check Recovery	Virtual Terminals
Collection of Delinquent Accounts Receivables	Inventory Control Software
Web Site Development, Hosting, and Name Registrations	Total Proprietary Resource Planning Systems
Check Imaging

BACK TO THE TOP