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

Financing Consulting

For established businesses, we can provide an unbiased free evaluation of your cash flow needs and facilitate tailored financing consulting services to the small or large business with multiple credit needs on a temporary or ongoing basis.

  • we provide free consultations to established business ENTREPRENEURs' in SEARCH of working capital
  • comprehensive  financial statement analysis available with our software MODULES allows you to understand what lenders evaluate
  •  complex problem-solving with existing financing structure 
  • relationship management and reporting requirements
  • financing solutions & Advice
  • multiple lender sources
  • Experienced team -trusted ADVISORY
  • Click here to contact us for immediate consultancy

Compare multiple small business loan options at once

A common challenge our clients have been facing is how increasingly difficult it has become to get a loan through traditional banks. A new industry of non­-bank lenders have stepped in to fill the credit gap so business owners can get the capital they need. However, this new landscape of lenders is difficult to navigate and finding an affordable loan can be extremely challenging.  We recently partnered with a company called Fundera that helps business owners make smarter financial decisions. Fundera is a marketplace—sort of like Kayak or Expedia, but for financing options—that helps you confidently shop, compare, and understand your loan options. They do not charge small business owners for their curation service. Once you know your loan options, you can apply to both bank and non-bank lenders alike.

COVID-19 RELIEF LOAN PROGRAM for non-qualifying industries

Any business impacted by COVID-19 is eligible to participate. This includes businesses that have been shut down or are unable to conduct business as usual with little to no cash flow.

  • Loans up to $2,000,000
  • All loans are secured with adequate equity in virtually any form of real estate. 
  • no payments due for the first 3-months 
  • Recovery Period – interest only payments for the next 9 months while the business is restored to a normal state
  • Any business impacted by COVID-19 is eligible to participate. This includes businesses that have been shut down or are unable to conduct business as usual
  • Click here for more information

SPECIALTY

 Leasing & working capital Funding

For businesses that needs a simple solution, our lender's program is the way to go for those with established businesses and good credit.


  • simple application process
  • application-only program up to $500,000 
  • CAPACITY size  to $10,000,000
  • most DECISIONS within 24 hours
  • Payment types: Monthly, Quarterly, Season, Cash Flow Based Documentation
  • Equipment Types: Most new business equipment, software, etc.
  • Step-up financing available
  • 90-days no payments
  • Click here for more information

INVOICE FACTORING

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

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

  • Maximum: $4,000,000 outstanding
  • Minimums: $0
  • We can facilitate the first funding in as little as 48 hours if everything is clean
  • We advance 80% to 97% based on industry and discount fees for 30 is from 1% to 3%
  • Net 90 OK, charge back at 120
  • Click here for more information

SBA Lending Solutions

At R Desmond Services, our preferred lender acts and agent for small businesses that needs a simple working capital solution for established businesses with good credit

  • simple online application process
  • Sba 7(A) WORKING CAPITAL AND DEBT REFINANCE
  • SBA 7(A)  OWNER-OCCUPIED COMMERCIAL REAL ESTATE LOAN
  • Payment types: Monthly, Quarterly, Season, Cash Flow Based Documentation
  • WORKING CAPITAL LOANS FROM $30,000 - $350,000
  • 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  $100,000 - $25,000,000
  • Click here for more information

Private Money, specializing in the financing of non-owner occupied residential investment properties

R Desmond Services provides Real Estate Investors with a fast and cost-effective funding source for their real estate investment needs

  • Non Owner Occupied Only
  • AZ, CA, CO, FL, GA (only LLC Investor), HI, NC, NV, OR, SC, TN, TX, UT, VA, WA
  • Lending to LLC's, Trusts, Individual Borrowers
    Fix & Flip, Buy & Hold, Cash Out & Refinance, Bridge Financing
  • SFR, 2-4 Units, Condos, PUD'S, Townhouses, 5-20 Unit Multi-Family
  • CLICK HERE FOR MORE INFORMATION

Small Business Financing

We can assist with funding small business industries that the Banks and Credit Union's say No!

  • Credit Lines to $100,000
  • Term Loans to $500,000
  • Fixed rate, automated daily or weekly payment via ach
  • decisions and funding in as fast as one-business day
  • *minimum requirements
  • CLICK HERE FOR MORE INFORMATION

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 more information!

Commercial Finance 

At R Desmond Services , we understand the problems experienced by business entrepreneurs when seeking growth and working capital in today's economy. We understand business financing problems associated with:

  • commercial accounts receivable factoring
  • asset-based lending
  • purchase order finance
  • acquisitions
  • funding business growth and expansion
  • Click here for more information!

PRIVATE & Hard Money Mortgage Funding 

Business Cash Advance

Unsecured Merchant Cash advance to $250,000 specifically for businesses that have been turned down for a traditional bank loan

  •  Bad credit, time in business, or even a small loan request
  • Your bank Business Cash Advance account is never touched
  • daily or weekly repayment amount, for example, is based on the volume of credit card sales; therefore each payment is different
  • CLICK HERE FOR MORE INFORMATION!



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.



A. J. Young

Established and built A.J. Young & Associates consulting firm from the ground up, leveraging leadership expertise in financial operations across diverse industries, including manufacturing, IT, communications, and professional/legal services. Plan and manage a wide variety of client projects, ranging from short-term assignments to long-term executive engagements, working in close collaboration with client leadership teams. Manage as multiple client engagements at any given time. 


james mcintyre,cpa

James is Co-Founder and Partner of Orr-McIntyre and Associates, LLC.  James has over 26 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’ experience, serving all businesses need debt and tax planning and it is even more important now since COVID-19 entered into our lives.

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.

jAMES SHELTON

Shenandoah  Capital is a boutique investment banking and financial intermediary firm focused on helping businesses gain access to capital in a variety of forms, including equity, bank and nonbank financing, asset based lending, factoring, purchase order financing, equipment leasing, mezzanine financing and more. 

We focus on assisting our clients in arranging financing of amounts up to $150 million. We also assist in advising on banking relationships and resolving banking disputes, debt restructuring/loan workouts, business expense reduction and cash flow management. We work on domestic, as well as international financing projects.



Financial Analyst Program

for our referral partners

Each year, a growing portion of our business clients are referred to us by local professionals such as bank loan officers, accounting professionals, attorneys, and many others. At R Desmond Services, we value these referrals and your trust in us to treat your customers as our own. Once a referral is received, we always respond with the utmost professionalism and courtesy.

We always welcome referrals from professionals such as:

• CPAs, Bookkeepers, and Other Accounting Professionals
• Lending Officers (Credit Unions, Bank & Institutional)
• Attorneys & Legal Professionals
• Business Advisors
• Risk Management and Other Insurance Providers
• Loan Professionals & Commercial Mortgage Brokers
• Investment Advisors
• Business Service Groups
• Incubators & Support Groups

If you would like to discuss a prospective referral business funding needs, simply give us a call or email info@rdesfinancial.com. We will be able to quickly ascertain whether our services can be beneficial before the actual referral. 






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