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| Solutions for Resellers
Financing Options

Each of the following options requires initial prior approval and set-up by DSC's Credit Department Manager.
They are intended to provide additional purchasing power for resellers who do not have sufficient open lines
of credit with DSC and do not wish to prepay.
1. Inventory Finance Companies
(A/K/A Floor Planning) Third Party finance assistance offered by the following lenders:
  Capital GE
  Castle Pines
  Commercial Finance
  IBM Credit Corporation
This choice is often beneficial for resellers with sales exceeding their available credit limit with DSC and/or when their financial condition cannot support their sales amounts purchase volume.
  Reseller is required to pledge assets such as inventory and receivables to finance company as collateral.
  Reseller is required to pledge assets such as inventory and receivables to finance company as collateral.
  Often finance company's terms include finance or interest fees to be paid by reseller as well as by DSC.
  The finance company remits payment to DSC within our terms, and then collects from reseller under the finance company's terms.
  If reseller is currently doing business with any of these finance companies, we can ship orders under this credit option.
  IFor resellers wishing to initiate business relations with these finance companies, a pre-approval is necessary by completing an application from the desired company.
2. Standby Letter of Credit
  The Standby Letter of Credit allows the reseller to use their line of credit with their bank as security.
  The reseller's bank will require the reseller to pledge assets such as inventories or receivables as security. The bank then writes a letter guaranteeing DSC that the reseller will pay their debts. If the reseller defaults, DSC collects from the reseller's bank that in turn collects from the reseller.
  This choice is often beneficial for resellers with sales exceeding their credit limit with DSC and/or when their financial condition is unable to support their purchase volume.
  DSC will reimburse reseller for bank fees paid.
3. Joint Purchase Order
  Our Joint Purchase Order program is intended to accommodate large bid situations where all products for one end user are purchased from DSC.
  Under this option, the end user agrees to make checks payable to reseller and DSC. End user mails payment to DSC. DSC deposits check and remits reseller share back to reseller immediately upon receipt.
  Product sold under this arrangement is shipped directly from DSC to the end user.
  End user is required to sign Irrevocable Power of Attorney to enable reseller co-endorsement of each joint check presented.
  DSC will evaluate end user's creditability. Normally, this is not a problem if the end user is a state-owned educational institution or department thereof.

Best for resellers in following conditions:
  Limited financial means
  Selling products to state-owned institutions
  Normal DSC credit lines sufficient to support base purchases
  Desire to be able to respond to large institutional bids where normal credit lines may not be sufficient to support purchase.
4. Assignment or Proceeds Program
  This program allows the reseller to remain the sole remit-to identity. End users make checks payable to the reseller, but send payment to a DSC lock box address. DSC's identity is transparent, and our role in the transaction is not revealed to the end user.
  In order for DSC to verify compliance, each of reseller purchase order must include:
  A copy of the end user's purchase order.
  A copy of reseller's invoice to end user showing the reseller's name and DSC's remittance address.
  An end user agreement form acknowledging that end user agrees to send payment to the reseller at the address shown (DSC's lock box.)
  Reseller is required to sign Irrevocable Power of Attorney form which allows DSC to deposit checks made payable to reseller in DSC's account.
  Like the Joint Purchase Order program, this program depends on a credit-worthy end user. DSC may need to investigate and approve the end user's creditability prior to authorizing sales under this program. This is rarely an impediment where the end user is a state-owned institution or department thereof.
  End user's payments are received and deposited by DSC. Payment is credited to reseller's invoice from DSC. The remaining balance is remitted to the reseller.
  Product sold under this program is shipped directly from DSC to the end user. Packing lists show the reseller's name only.

Best for resellers in following conditions:
  Limited financial means
  Selling products to state-owned institutions
  Normal DSC credit lines sufficient to support base purchases
  Desire to be able to respond to large institutional bids when normal credit lines may not be sufficient to support purchase.
  Needs to remain the sole remit-to entity because of bid awards or other circumstances where the end user cannot easily change the remit-to name.
5. Personal Guarantee
  This program allows officers and owners of reseller to pledge personal assets if sufficient, as security for DSC accounts payable. Individuals signing personal guarantees are required to periodically submit personal financial statements for approval by DSC Credit Department Manager.
If you have any questions, please call the Credit Department at 800-279-2794 x213.