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OVER HALF A BILLION DOLLARS
OF SUCCESSFUL FUNDING
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Welcome to Working Capital Source
We help companies
"Plan for Growth and Prepare for the Unexpected"
Why Work With Us?
At the helm of Working Capital Source is founder and president John Ferguson — a seasoned entrepreneur, partner, and investor with over four decades of experience navigating the complex landscape of business finance.
John has facilitated more than half a billion dollars in funding for companies across multiple industries and economic cycles. His perspective goes beyond spreadsheets and ratios — it’s shaped by firsthand experience with the realities of ownership: managing growth, sustaining cash flow, and weathering the unexpected.
That perspective is the cornerstone of how Working Capital Source serves its clients.
An Advocate for Business Owners
When you engage with Working Capital Source, you gain more than an advisor — you gain an ally.
We represent your interests with the insight and discipline of financial professionals, and the conviction of business owners who’ve stood in your shoes.
Your success is our focus. We approach every engagement as your strategic partner — advocating for your stability, liquidity, and long-term financial flexibility.
Bridging the Gap
Every company faces the challenge of aligning capital strategy with operating reality.
Our mission is to bridge that gap — turning uncertainty into control and planning into performance.
We help you identify and deploy the right combination of resources — internal and external — to strengthen your working capital position, minimize financing costs, and maintain the freedom to act on opportunity.
At Working Capital Source, we turn experience into leverage — your leverage.
nefit.
Our Comprehensive Financing Solutions
We tailor solutions that support both immediate cash flow and sustainable growth.
Our approach focuses on optimizing your Funding Stack — balancing external capital with internal liquidity to reduce cost, risk, and dependence on third-party lenders.
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Lines of Credit
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Fixed amount
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drawdown as needed,
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Term:12 to 24 months)
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Revolving Lines of Credit
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draw down as needed
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pay down/re-draw
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Term Loans
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Paid the Initial Lump sum of the total loan,
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Credit-based
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Terms
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3 to 10-year terms
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Asset-based Term loans.
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Balance Sheet or Assets
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LTV & Credit based
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Term:
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5 to 25-years terms
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Purchase Order Financing
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Reduce cash outlay on inventory purchases
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Account Receivable Factoring
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Convert the Invoice to cash within one day
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Merchant Cash Advances
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Loan based on future credit card Receipts
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Equipment Leasing
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Reduce the cash outlay for equipment
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Lease to own or return
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The Back Story
The Foundation of Working Capital Source
The story of Working Capital Source began in a proverbial garage — where founder John Ferguson created Tri-Flow®, a high-performance lubricant that gained international distribution and brand recognition.
Its success attracted the attention of a Fortune 500 company, which ultimately acquired The Tri-Flow® Company. More than thirty years later, the product remains actively distributed worldwide — a lasting testament to enduring value creation.
Following this success, John turned his focus to commercial real-estate finance, partnering with an international publicly traded firm to structure and fund major development projects across the U.S. His disciplined approach to capital formation led to another acquisition, as a publicly held company purchased his stake in the venture.
Building on this momentum, John developed SafeWater Anywhere®, an innovative portable personal water filter that earned adoption within both the U.S. sportsman’s market and the U.S. Military. That enterprise, too, was later sold to an international acquirer — marking a third successful business exit.
Across the decades, John has translated this record of innovation, strategic partnerships, and successful liquidity events into a singular mission:
to help business owners preserve working capital, maintain flexibility, and thrive in every economic climate.
To date, he has facilitated over $500 million in business funding, guiding companies through growth, transition, and uncertainty with seasoned insight and practical expertise.
Let's Collaborate To Optimize Your Financing
Ready to unlock Financing possibilities for your business? Contact Working Capital Source today, and let's start a conversation about your unique business financing needs. We're not just here to provide financial solutions; we're here to be your trusted ally on the journey to sustained growth and success.
Remember our axiom:
"Plan for Growth and Prepare for the Unexpected"
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