With the Instant Cash Flow System you can receive monthly payments from signed up members in your business in the form of “Pre-Authorized Checks”. You can withdraw the money from your customer’s accounts into your accounts with these checks.

This system is supposed to prevent missing payments as it allows you to withdraw the money from your customer’s accounts.

The Instant Cash Flow System uses these “Pre-authorized checks” to recreate a check each month that is deposited into your bank. Once you take the checks to the bank the money automatically comes out of the customer’s checking account provided the customer has signed a release form that you send to the processing center for Cash Flow Now.

Thus, you remain in control of the checks and your worries about missing payments are taken care of. The bottom line, of course, is that your customers trust you.

Another advantage of this program is that it has a NSF recovery system called Check Collect. If there are insufficient funds in your customer’s account and the pre-authorized payment bounces, then the program will automatically resubmit the checks. This saves you the bother of going back to the bank, and it saves your customer embarrassment.

Also, you are not required to invest any money in the purchase of any software, hardware, phone lines or other electronic funds transfer equipment, which are usually required with direct withdrawals. So, you can save on that count too.

On the flip side, this program can be easily misused. For instance, since the checks are recreated each month, it is possible to recreate them multiple times and give the freedom to the consumer to take more money than they should. Unfortunately, the Cash Flow Now website does not address these issues.

Another concern is what if the customers are left with numerous bounced checks in their accounts? The Check Collect system is not foolproof. The customers have to pay a fee of about $15 to $20 every time a check bounces.

This is not fair on the customers. Why should they dish out money for the numerous NFS charges on their account for no fault of their own?

The entire program leaves much scope for fraud. For instance, if you can deposit these checks then the Cash For Now Company could also recreate these checks for their own personal use. This is inviting trouble since there is a lot of potential for identity theft.

Most people would be unwilling to give up their account information in this manner. Moreover, the checks also have to be signed by the account holder. What does this mean? Do the checks have a forged signature on them? Are they simply printed off by a computer? How are these checks certified to be authentic? All these questions are not answered.

Consumers need to think twice before they sign up for Instant Cash Flow as there are a lot of concerns with this system. This is, perhaps, the first company that is printing checks instead of doing business electronically.

If you’re looking to start a business and I can show you the one business opportunity that is more than ‘theory’ and ‘how to’… it’s an actual ‘system’ and all you need to do is push a few buttons to get it started and generating passive cash daily.

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Good Luck,
Sarah Newman