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Working Capital

Innovation requires flexibility. That’s why we match businesses with flexible capital options that are ready to move when they are.

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Working Capital

Innovation requires flexibility. That’s why we match businesses with flexible capital options that are ready to move when they are.

Apply Today

Working Capital

Innovation requires flexibility. That’s why we match businesses with flexible capital options that are ready to move when they are.

Apply Today
Working capital financing provides flexible funding for day to day business needs, including payroll, inventory, marketing, and operating expenses. Options may include short term loans, lines of credit, or asset based financing, depending on timing and qualification factors. These solutions are not limited to real estate or equipment purchases and can be used wherever cash flow support is needed. Our brokers help identify structures that align with your business operations and funding timeline.

Hard Money Loans

Hard money loans are asset-based loans that let you leverage the value of assets like real estate and equipment without selling them. Instead of scrutinizing your credit score, hard money lenders look at the value of the asset you’re using to secure the loan. You’ll get a percentage of the asset’s value in a lump sum payment so you can apply the funds to whatever you need. In most cases, businesses use the asset being purchased as collateral, but that’s not the only way to use a hard money loan. You can use a hard money loan to get new inventory or to fund materials for your next order. Leverage the equity in your property for a boost to your working capital. Since hard money lenders don’t come with the red tape of traditional bank loans, you won’t have to wait weeks to get your money. Get approved in as little as 24 hours when you contact our brokers today.
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Factoring

Factoring helps businesses with accounts receivable assets get cash before their clients pay on invoices, purchase orders, and contracts. You can sell your outstanding AR to a factoring company for cash. The factor then collects their repayment directly from your client, so you don’t have to pay back the funds unless your client refuses to pay or requests a refund. Any remaining cash gets forwarded to your business. Some businesses choose to factor their contracts so they can offload accounting tasks to the factoring company. The factor handles collections and payment processing, freeing you up to focus on other areas of your business. Ask us how factoring can help your business today.
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STEP 1

Contact our brokers to help you land the best financing for your needs.

STEP 2

Choose your financing from a range of affordable options.

STEP 3

Position your application for success when you work with a broker.

Sale-Leaseback

Want cash for your business but don’t want to give up use of your current equipment? A sale-leaseback lets you sell assets and lease them back from the buyer. You don’t need to move the equipment or remove it from your workflow. The buyer gives you a lump sum based on the value of your equipment so that you can take care of supplies, payroll, and utilities. Continue to use the equipment under a lease agreement with monthly or quarterly payment options. When the lease is up, you may have the option to buy back the equipment or extend your lease. Ask us for more information.
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Lines of Credit

When you need to boost your cash flow more often than a one-time loan will allow, seek a line of credit. Lines of credit give you an open line to the working capital you need, whenever you need it. Secure a line to get a higher credit limit and lower interest rate. Go with an unsecured line to keep your assets out of the picture. Lines of credit are great for companies that rely on seasonal income to get them through the year. You can borrow when cash flow is down and pay back into your balance when revenue is up. Payments to your balance free up credit you can use down the road.
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Alternatives

If working capital isn’t what you’re looking for, try:

SBA 7(a) Loans

An SBA7(a) loan can help your business get new property, buy another business, remodel your warehouse, onboard equipment, and much more. If other lenders have turned you down, let the SBA help you get the financing you need. We’ll help you discover what the SBA can do for you.

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Bridge Loans

Bridge loans cover the gap between the cash you need now and the long-term financing you’re expecting in the future. You can use a bridge loan to make a cash offer on a property you want to buy before it sells to someone else. Then, pay back the bridge loan when your commercial mortgage comes through.

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Do you have questions about financing your business? With so many options, it's hard to know when you are getting clear information. We are happy to help you navigate the financing process and to provide you the information you need to step confidently forward into quality financing.

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