Accounts Receivable Factoring : Accounts receivable serve as collateral for short term
working capital loans that you can obtain fast and cost effectively. Apply |
Account receivable factoring - cash stored in your invoices
Account receivable factoring is perfect for many growing businesses. Accounts receivable and invoices
are your most valuable asset. If your customers are other businesses, you can provide your business with accounts receivable or asset based funds. Factoring is simply financing your sales.
Account Receivable Factoring - The Benefits
You address your immediate cash flow needs, and you:
- Don't give up equity any equity as is required with venture capital.
- Take advantage of early payment discounts with your suppliers.
- Stop offering early payment discounts to customers.
- Elimination of bad debt. A non-recourse factor assumes the risk of bad debt.
- Don't incur any additional debt. Factoring is not a loan it is an advance.
- No geographical limits. A factor can have clients in any part of the country.
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Advances on Purchase Orders : Loans on the written order to purchase goods at a stipulated price with an agreed to delivery date. Credit rating of order is key. Apply |
Purchase order financing - quick cash flow reserves
Purchase order financing or "factoring", is required during growth and expansion when cash flow reserves become insufficient. Your suppliers want you to pay C.O.D. and your buyers want to pay you net 30-60. There is no cash flow during manufacturing, while the goods are in transit, and until the invoices are paid.
Purchase order financing resolves this dilemma.
Purchase order financing pays for the cost of your goods directly to your supplier and frees up your cash for other critical business expenses.
There are the three steps for purchase order factoring:
- Get a purchase order from your customer.
- Find a reliable supplier of your products.
- Place an order to that supplier.
Why should you use purchase order factoring?
It will free your cash flow requirements so you can be more flexible with your business' operating expenses. |
Asset Based Loan : Seeking to convert a company assets into working capital. Giving a security in an asset(s) in exchange for cash. Apply |
Asset based loan - creative access to working capital
Asset based lending, what is the function?
Asset based loans provide short term restructuring of a companies' financial situation to facilitate maximum cash flow. It provides a period of recovery time and a financial operating environment where a company can demonstrate how it could perform with a long term loan in place. This allows a company to demonstrate it is worthy of long term financing.
Asset based loans, what are the advantages?
When business opportunities appear in the market, access to conventional financing may not be executed in time to take advantage of the situation. There may also be the need to "stretch" the resources available to accomplish a company's objectives and conventional resources will not handle it. This is where Asset Based Lending becomes the mechanism of opportunity!
Is applying for an asset based loan difficult?
No! Most answers are within 48 hours as to whether something can be done! After that it is a matter of documenting and appraising the assets.
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Bankruptcy/Reorganization : Financing to reorganize in company in a turnaround. Typically secured by assets; equipment, inventory, A/R, PO's, etc. Apply |
Turnaround financing - restoring value
If a poor performance history has lead to the need for bankruptcy and/or reorganization it may be time to seek turnaround financing. There are three basic categories an investor will apply to a potential turnaround.
Management
An investor is presented with a turnaround business plan which involves replacing inept management. He will make reasoned guesses as to what the future will hold under the new management team based on an assessment of the track record the new managers bring to the enterprise. Have they turned around similar businesses with similar problems? Are they investing cash equity in the business? Is there a credible turnaround strategy in place?
Cost Structure
From an investor's perspective, cost savings are often more readily believable profit enhancements than the introduction of a new manager or a fundamental shift in the business plan.
Declining Market Position
Many turnarounds involve companies that have fallen on hard times because of factors other than the two described above. Investors tend to be wary of situations like these because the chances of success are hard to figure and rest in the hands of decision makers outside the four walls of the subject company.
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Franchise Financing : Specialized financing reserved for the franchisees of recognized, typically nationally known, franchises. Apply |
Franchise financing: find financing for your new business.
We help make that task much easier. In order to assist you in your search for business funding, we have categorized the lending and investing criteria of funding sources in a variety of areas:
Commercial Lending - Equipment Leasing - Government Loans - Commercial Real Estate - Start-up Financing - Invoice Factoring -Purchase Order Advances
And many more . . .
Access to sources of capital for your business is fast and easy. Simply fill out a form telling us a little about your business and your financing needs. Your request will be matched against those funding sources offering what it is you have requested and those to which your funding need may also apply.
Don't waste your valuable time talking to people who can't or won't help you. |
Expansion Financing : Growth has outpaced existing business. Loan for existing demand. Key here is existing demand, not projected. Apply |
Expansion financing - tools for growth
Flexible term financing is available for a variety of expenditures
Receive financing for:
Businesses with strong growth potential and high quality management may be eligible for financing between $250,000 and $5 million for expansion and market development projects. Repayment is flexible and is tied to cash flow projections. |
Import and Export : Loans to promote the shipping or receiving of products or materials. Based on existing market, demand or orders. Apply |
Import and export financing
What is it? Import and export financing provides importers who have orders from customers in the United States, or foreign customers backed by a letter of credit, with the necessary financial backing to provide their overseas Supplier with a letter of credit to guarantee payment of goods.
Why do it? Financing can be arranged for 100% of the transaction. This provides the importer with sufficient financial strength to sell larger orders than they would be able to on their own financial strength. Depending on the strength of the buyer, this may be done on open account with the domestic buyer, allowing the buyer to increase their purchasing power.
How does it work? The importer will supply us with basic information on the Import Company and their customers. We will then evaluate the credit worthiness of the customers. For each of the approved customers, the importer will supply us with copies of purchase orders that are to be filled. We will then arrange a letter of credit to be issued to the supplier's bank with the supplier as the beneficiary.
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Credit Line - Secured : A pre-arranged amount of credit based upon existing inventory, A/R and PO's. Apply |
Secured credit line - maximize your equity
A secured line of credit can be critical for cash flow management. And proper or improper management of cash flow can make or break your business.
Cash flow is vital to pay your employees, pay your suppliers, pay for advertising, and much more. Intelligent cash-flow management should be simple and efficient
. . . a secured line of credit can be just the right tool for the job.
Timing is essential. You always want to make sure you have the cash available to handle all your disbursements on time. If not, you risk penalties, late fees and you can even risk not getting your shipments on time
. . . a secured credit line may be the solution.
Security can be fleeting. For now, business is running smoothly. Clients are happy and sales are strong. But sooner or later you'll run into a cash flow problem. It's when cash going out exceeds cash coming in, even if it's only for a little while
. . . a secured credit line may be your protection.
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Credit Line - Unsecured : Up to $200,000 in business credit based upon credit wort hiness. Apply |
Unsecured credit line - benefits and features
Unsecured credit line to manage your cash flow during business fluctuations. Borrow funds for purchasing equipment, remodeling, or expanding your business premises. Not all businesses are alike when it comes to money management. An unsecured credit line could be the answer.
Easy access
When you are approved for a revolving credit line, you receive checks that allow you to make draws on your line whenever you want. Your credit line checks give you the ability to use your credit line whenever you need it.
Quick turnaround
You not only need credit, you need it quickly. Being able to respond to new opportunities fast is what being an entrepreneur is all about.
Competitive rates
With a revolving line of credit, you only pay interest on what you actually draw down on your line. Your rate is based on the movement of Prime Rate, allowing your borrowing costs to always be competitive.
No collateral required
With an unsecured line of credit your business is not required to pledge any collateral to secure the loan. You are evaluated based on the strength of your business and your personal situation as a principal and as a guarantor.
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Credit Card Receipt Advances : Up to a $50,000 advance against regular occurring monthly merchant credit receipts. Apply |
Working capital, receive up to $50,000 cash ... fast!
What do you need to qualify?
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Your business must accept credit cards as a form of payment.
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You need to be processing a minimum of $5,000 dollars a month.
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You can qualify even with poor personal or business credit.
How does the program work?
- You are advanced up to $50,000 based on your current sales receipts.
- A small percentage is deducted from your on going Visa/MC receipts.
- There are no up front costs, no fixed payments, and no fixed time frame.
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Inventory Loan : A loan typically made as part of a relationship where the lender will also provide retail financing for the product. Apply |
Inventory loan - meet demands and make deadlines
Inventory loan financing (also known as "Flooring") is the leveraging of inventory using the value of the financed equipment/stock as collateral for the loan.
When to use it.
Inventory financing is a method commonly used when a distributor or reseller needs additional credit and payment terms longer than 30 days in order to maintain a complete stock of inventory for immediate customer availability.
The Benefits
- Offers increased credit capacity based on security in financed inventory/equipment
- Allows distributors and resellers to stock inventory with extended payment terms
- Improves distributor's or reseller's working capital (cash) position
- Does not count against customer's credit line
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