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Bank funds are credited into the account, and the borrower withdraws the money. Users of this program can presentation a "securitized" epitome of fixed-rate financing without the front-end payment and complicatedness of pattern securitizations. The PEFCO Honest Advance Program provides the originating cabal with the cleverness to tender a securitized epitome of fixed-rate advance without the front-end convolution and tariff of stock bank securitizations.

The originating junto can as a consequence provide its customers competitive prearranged and floating rates without having to broadcast low-yielding assets on its books and can change over asset-based return into compensation income.

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