R Desmond Services | Your Financing Advocate

R Desmond Services

Your Financing Advocate

About us

Creative vision, professional integrity.

R Desmond Services specializes in providing cash flow solutions, commercial banking strategies and consultation services to strategic partners, entrepreneurs, and business owners. Our professionals are trusted advisors who present innovative ideas and solutions to address our clients most complex cash flow requirements.

Our Services

What we do

Become a Financing Advisor Today!

Gain access to our lender and exclusive financing products for your clients

  • Submit a simple application to become a Referral Partner To our exclusive lender
  • Speak with one of our preferred lender's Account Managers to get you on-boarded in our system
  • Access to online training and resources
  • Refer business owners and earn high commissions on funded deals
  • Leverage existing relationships
  • Access to 75+ commercial lenders
  • Real-time portal access
  • Click here to become a Partner today!

MCA Debt Restructuring


  • Click Here for more information


Our clients get what they ask for most...Monthly Pay FDIC-Insured Bank Products!!!

  • Rates range from 8.50% - 15.99% APR
  • No Upfront Fees
  • Low Interest Fixed Monthly Payments
  • Funds in just 10-15 business days
  • Quick decision and funding process (3-4 business days for decision, 10-14 business
    days for full funding
  • < $100k decision & closing in 3 business days
  • One-time success fee after successful closing
  • Click here for more information

Funding Healthcare Receivables

Many healthcare executives are seeking relationships for both their immediate, short‐term and forecasted cash flow challenges

  • alternative provider of funds, offering working capital to healthcare providers that significantly improve revenue cycle management and cash flow
  • our provider purchases your private‐payer medical insurance claims to advance the funds you need
  • We have a funding solution for most medical providers, regardless of size, and we can work with you if you are experiencing financial challenges
  • funding healthcare receivables from $500,000
  • Click here for more information

sba Lending solutions

At R Desmond Services, our #1 lender acts as a preferred agent for businesses that needa simple working capital solution. Thisis the way to go for those with established businesses with good credit.

  • simple application process
  • sba (7a) working capital and debt refinance
  • sba (7a) owner occupied commercial real estate loan
  • Payment types: Monthly, Quarterly, Seasonal, Cash Flow Based Documentation
  • Click here for more information


We know your company can't wait 30, 60, 90, or 120 days to be paid for services provided.

We provide a funding solution for your business by purchasing accounts receivable, and turning invoices that may be paid sometime in the future into cash today.

  • Minimum: $100,000
  • We can facilitate the first funding in little as 48 hours if everything is clean
  • We advance 70% to 93% based on industry
  • discount fees for 30 days is from 1% to 5%
  • Click Here for more information

Small business loans made easy

At R Desmond Services, our national lender has established a reputation for unparalleled customer service, developing tailor-made finance solutions for small and middle_market businesses

  • Small Business Loan
    Online Application!
  • Same-day funding available
  • Including hard to finance industries such as medical, transportation, RESTAURANT, MANUFACTURING, MCA, small factoring lines of credit and term loans
  • $10,000 - $5 million
  • 6 months to 10-Year term
  • Market interest rates
  • Fast efficient processing
  • Apply online now!

Commercial Finance

At R Desmond Services, we understand the problems experienced entrepreneurs and businesses have when seeking growth and working capital in today's economy. Our Private Finance Company has created solutions associated with

  • Funding business Growth and expansion
  • Real estate bridge and construction
  • lines of credit and supply chain financing
  • specialization in covenant-light working capital, growth capital, and special situation financing, with flexible terms ranging from 3 to 24 months
  • Loan sizes generally range from $500,000
  • Click here to learn more

Consumer Finance

At R Desmond Services , our lender has forged a reputation for unparalleled customer service, developing tailor-made finance solutions for businesses selling deliverables and services to consumers

  • consumer retail installment obligations
  • primary funding source
  • Secondary & Tertiary Funding Source
  • Lease with Purchase Option
  • Portfolio/Account Management
  • Custodial Services/Back-Up Servicing
  • Delinquent Debt Collections
  • Click here for

Meet our team

Margaret Wu CPA

Margaret Wu CPA is President of R Desmond Services. Ms. Wu leverages her 15+ years of CPA experience working in helping entrepreneurs improve process, performance, and profitability, now to work with R Desmond Services in financing services.

Margaret specializes in helping small business owners save money, time, reduce stress in running business and paying taxes. Ms. Wu holds a Master degree in Accounting from the City University of New York at Lehman Herbert College.

james mcintyre,cpa

James is Co-Founder and Partner of Orr-McIntyre and Associates, LLC. James has over 29 years of experience in the general accounting, forensic accounting, public accounting (auditing), consulting, and tax arenas.

James has been instrumental in leading the audits of numerous Securities and Exchange Commission (SEC) clients in preparation for initial public offerings, Sarbanes-Oxley implementation, conducting U.S. and international technical accounting research and analysis, performing various levels of tax analysis, and planning and performing financial and operational audits designed to identify and assess risk, internal controls, and determine the relative efficiency and effectiveness of internal operations. In addition, James has assisted clients in forensic cases by conducting complex damage analysis, SEC investigations and business valuations, performing calculations of business interruption losses, conducting accounting research and detecting/investigating fraud.

susan balcomb

Susan Balcomb Financial Associates is a full-range tax, financial and business strategy advisory firm. Susan is a Licensed Enrolled Agent with 20 years’ of experience, serving all businesses that need debt and tax planning and it is even more important now with the current economic outlook.

Susan's goal is to help your business grow and to maximize profits and minimize taxes while doing it. We work hand-in-hand with you to evaluate your company’s strengths and areas of challenge, followed by developing an action plan that will help your business thrive.

By partnering with Susan, you will have access to a network of business experts and investors, who will be an integral part of creating and lean, sustainable and profitable business. The increased business value you develop, along with tax planning will drive your company’s future cash flow and will support you in your exit strategy, whether that is retiring, selling, or transferring ownership of your business to your heirs.

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