According to the agreement, Capital Depot has to pay 100% of an invoice amount. And they guarantee it on their web site. But realy they reserve 10%. On our request Rekha responds: "Our agreement says we advance up to 100%. We do not have in our agreement a guarantee of 100% advance" It means, depend of Rekha's mood, they can reserve 10% or even 100% of invoice amount. If you do not use their service, they do not notify you about funds crediting from brokers. 2-3 week you cannot see these fund. And after you see these funds in their system, they delay the payment for 5-10 days. Today they have blocked access to our account because we don't use their factoring service. So we cannot get financial information for IRS. They are a financial institute. They have to keep information about all clients' transactions. And their clients must have access to that information. Just received from Capital Depot: "...I am not going to be able to send any reports to you. We are not your accounting office. Please contact your accounting department and have them provide you with the data and reports you may need..." - Anca Constantin Our next step is a case in a court against Capital Depot.