Working Capital

Your company rarely has the luxury of waiting weeks and months for a loan to finish processing.  We understand.  Reach out today and we’ll help you quickly receive cash to capitalize on fleeting opportunities in your market

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Working Capital Loans

Quickly acquire cash

Obtain operational cash for a multitude of purposes by taking out a working capital loan. Use this tool to enable critical hiring, purchasing, marketing, and payroll activities. Boost your cash on hand with tools like factoring, refinancing, and SBA loans. Our team can help you determine the best tool for your situation.
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Hard Money Loans

leverage your assets

A hard money loan allows you to leverage your property or equipment assets to secure financing. Because lenders focus on your asset values, you will often qualify for a loan, even if you have a poor credit score. Additionally, hard money loans can be approved very rapidly, enabling you to seize business opportunities before they disappear.

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Factoring

Accelerate your receivables

Factoring allows you to sell your accounts receivable to a third party in exchange for immediate cash.  The factor (or lender) charges you a small fee and collects the payment from your customer.  Factoring speeds up the payment process and gets you the cash you need to address daily operational expenses.

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Sale-Leaseback

Receive a payment for your equipment while using it.

Continue using certain assets for your business, even after selling them. A Sale-Leaseback Agreement allows you to receive time-critical funds for your equipment without loosing it. The lessor will pay you the price for your equipment upfront, then immediately lease the equipment back to you. This allows you to repay the lessor in small monthly amounts. When the lease expires, you may choose to renew it, give the equipment to the lessor, or repurchase the assets.

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Advantages

Financing your working capital is a smart tactic that gives you access to multiple benefits. With our help, you can:

Rapidly secure critical funds

Enhance your operational cash flow

Stop worrying about credit history

Pay for a variety of business expenses

We’ve given a few examples of the most popular types of loans that bring cash into your business quickly.

There is always more to learn.

What is the working capital ratio?

If you don’t have enough money to pay employees and keep the lights on, then the value of your long-term assets matters very little. That money, used for almost all daily expenses is referred to as working capital. Most businesses try to maintain a working capital ratio between 1.5 and 2.0. If you’re not sure what your ratio is, simply divide your firm’s annual liquid assets by its annual short-term expenses. The result is your working capital ratio.

Is working capital financing right for my firm?

If you are looking to make a large investment or a long-term purchase, it is usually better to focus on certain tools (like a real-estate loan).  Working capital loans are usually better for short-term situations and boosting operational cash. If you are not in a rush for funds, other financing tools may be better for you, as working capital financing often comes with higher interest rates.

Will a factor impact my client relationships?
While not all factors interact with your clients in the same way, most clients won’t notice when you use a factor. In most situations, a simple notice of where to send payment is the only contact the client receives.
Are Hard Money Loans a safe option?
When you work with our network, you can rest assured that each lender has been thoroughly vetted, is licensed, and bears a reputation for integrity. All of our partners adhere to local and national laws and policies and meet established standards for credibility and trustworthiness. Additionally, if a Hard Money Loan is not the right tool for your business, our partners will tell you upfront and help you find a more appropriate financial solution. We are transparent with our terms and conditions and will answer any questions your team has. We want your business to feel safe and comfortable in its decision to work with us.

Here's How To Get Started

Complete a Short Questionnaire

The information you provide will help us begin creating a plan for where you want to go.  As we learn more about you, we’ll customize and adapt our solutions for your true needs.

Have an In-Depth Conversation with our Team

After reviewing the information, we’ll set up a conversation to understand your business more thoroughly.  With the full picture of you and your business, we will work with our network to generate offers and showcase the best solutions to you. 

Submit an Application

Our team will answer any questions you may have to this point.  When you are content with the answers and information, we’ll help navigate you through the loan application process. Take Advantage of Continual Support. Things change.  We get it. Our lending professionals and brokers will stand by to provide further advice or answer questions as needed, even after the initial application is complete. 

What is the working capital ratio?

If you don’t have enough money to pay employees and keep the lights on, then the value of your long-term assets matters very little. That money, used for almost all daily expenses is referred to as working capital. Most businesses try to maintain a working capital ratio between 1.5 and 2.0. If you’re not sure what your ratio is, simply divide your firm’s annual liquid assets by its annual short-term expenses. The result is your working capital ratio.

Is working capital financing right for my firm?

If you are looking to make a large investment or a long-term purchase, it is usually better to focus on certain tools (like a real-estate loan).  Working capital loans are usually better for short-term situations and boosting operational cash. If you are not in a rush for funds, other financing tools may be better for you, as working capital financing often comes with higher interest rates.

Will a factor impact my client relationships?
While not all factors interact with your clients in the same way, most clients won’t notice when you use a factor. In most situations, a simple notice of where to send payment is the only contact the client receives.
Are Hard Money Loans a safe option?
When you work with our network, you can rest assured that each lender has been thoroughly vetted, is licensed, and bears a reputation for integrity. All of our partners adhere to local and national laws and policies and meet established standards for credibility and trustworthiness. Additionally, if a Hard Money Loan is not the right tool for your business, our partners will tell you upfront and help you find a more appropriate financial solution. We are transparent with our terms and conditions and will answer any questions your team has. We want your business to feel safe and comfortable in its decision to work with us.