WELCOME TO
WORKING CAPITAL SOURCE
EXTERNAL AND INTERNAL FINANCIAL TOOLS
CAN BE USE SEPARATELY OR IN COMBINATION
Unlock Your Business Potential
Create tailored financing solutions by utilizing these financing tools separately or in combination with any of the financing tools below:
A.) Tools can generate access to cash when you need it.
Lines of Credit
FIXED CREDIT AMOUNT. DRAWDOWN AS NEEDED. PAY INTEREST ONLY ON THE OUTSTANDING BALANCE. NO PREPAYMENT PENALTY. TERM 12 TO 36 MONTHS. SOME PROGRAMS UP TO $750,000 REQUIRE NO COLLATERAL, TAX RETURNS OF FINANCIALS. FUNDING WITHIN A WEEK
Revolving Line of Credit
PROGRAMS TO UP TO $1 MILLION+ARE CREDIT DRIVEN. DRAWDOWN FUNDS AS NEEDED. REVOLVING CREDIT MEANS YOUR AVAILABLE CREDIT REPLENISHES AS YOU MAKE REPAYMENTS AND PAY INTEREST ONLY ON THE OUTSTANDING BALANCE. YOU CAN DRAW ADDITIONAL FUNDS WITHOUT HAVING TO FULLY RE-APPLY. HOWEVER, DRAWS MAY BE SUBJECT TO REVIEW AND APPROVAL.
Merchant Cash Advance
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CASH FOR FUTURE CREDIT SALES AS COLLATERAL FOR A LUMP-SUM CASH ADVANCE. PAYABLE OUT OF DAILY RECEIPTS. TERM 6 TO 18 MONTHS.
Purchase Order Financing
A LENDER PROVIDES SHORT-TERM LOAN FUNDS TO FULFILL CUSTOMER ORDERS. USING PURCHASE ORDER AS COLLATERAL..
B.) A Tool that can unlock existing cash reservoirs: NO DEBT
Accounts Receivable Factoring
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CONVERT OUTSTANDING INVOICES INTO IMMEDIATE CASH. THIS IS NOT A LOAN. NO CREDIT BUREAU REPORTING. THE CUSTOMERS' CREDIT IS THE DRIVING ISSUE
C.) These tools can offer working capital for longer-term projects.
Asset Based Term Loan
SECURED BY COLLATERAL OR BALANCE SHEET ASSETS. MEANT FOR REAL ESTATE, EQUIPMENT, ACQUISITION, OR EXPANSION OF A BUSINESS. TERMS ARE FROM 3 TO 25 YEARS
Credit-Based Term Loans
FIXED LUMP-SUM MEANT FOR BUSINESS REFURBISHMENT, EXPANSION, FF&E, OR WORKING CAPITAL. TERMS ARE FROM 5 TO 10 YEARS
SBA Loan
TWO TYPES OF LOANS OFFER UP TO $15 MILLION a) 7(a) LOAN, UP TO $5 MILLION FULLY AMORTIZED, NO BALLOONÂ b) 504 LOAN, UP TO $15 MILLION TYPICALLY 10% DOWN..
D.) Lease equipment and machinery
Equipment Leasing
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REDUCE FRONT-END CASH OUTLAY WITH THE OPTION TO OWN AT THE END TERM, OR EXCHANGE NEW EQUIPMENT. A LEASE OFFERS ACCESS TO VEHICLES, MACHINERY, AND EQUIPMENT THAT NOT OTHERWISE MAY NOT BE AFFORDABLE BECAUSE LARGE DOWN PAYMENTS ARE REQUIRED FOR PURCHASE.T.