Use Case: Expansion
Grow into the opportunity without starving the business.
A new location, a bigger shop or a major contract needs capital before it returns any. We help you fund growth with structures that keep day-to-day operations protected.
The Need
Growth consumes cash before it produces it.
Expansion means hiring, buying equipment, building out space and carrying more receivables, all before the new revenue settles in. Many growing businesses run short of cash at exactly the moment things are going well.
The answer is rarely one large loan. Breaking the expansion into its parts lets each piece be funded by the asset or revenue that supports it.
Build a Plan
Before you apply.
Break the project into pieces
Equipment, build-out, staffing and working capital each have different risks and timelines. Funding them separately usually costs less.
Protect the core business
Keep a cash cushion and your bank line free so a delay in the new project does not squeeze the existing one.
Plan for the ramp-up
New locations and contracts take time to reach full revenue. Build that runway into the plan.
Financing Routes
Ways to fund it.
The best route depends on what the business owns and what it is owed.
Equipment Financing
Finance the equipment the expansion needs against the equipment itself.
Learn about Equipment FinancingEquipment Refinance
Release equity from your existing fleet to fund build-out and hiring.
Learn about Equipment RefinanceAR & Invoice Factoring
Fund the extra receivables a larger customer base creates.
Learn about AR & Invoice FactoringSale-Leaseback
Convert owned equipment into growth capital while continuing to use it.
Learn about Sale-LeasebackHow It Works
Three steps to a decision.
Tell us about the business
What you own, what you are owed and what the capital is for. A short call or the online form is enough to start.
We match the structure
We review the assets and the need, then take the file to the funding partners best suited to it.
Compare and decide
You see the amount, term and payment for each option with the trade-offs written out. Nothing moves until you choose.
What to prepare
What funding partners review.
A complete file moves faster. Here is what usually helps:
- Summary of the expansion and its costs
- Recent bank statements
- Year-end financial statements
- Equipment list and any balances owing
- Accounts receivable aging
- Lease, contract or purchase agreement for the expansion
Questions.
Often in part. Equipment and receivables of the business being acquired, or your own, can support a portion of the purchase price.
It depends on the value of your equipment, the quality of your receivables and your cash flow. We will give you a realistic range early on.
Use the bank where it makes sense. Asset-based options can fill the gap a bank will not cover, or keep your bank line free.
Simple equipment or factoring pieces can move in days. Larger multi-part plans take a few weeks to put together properly.
Next Step
Let's see if we can help!
A short conversation is enough to tell you whether there is capital available and what it would look like.