Use Case: Cash Flow
Steady cash when revenue is anything but.
Customers pay late. Seasons swing. Large orders need money before they make money. We help you smooth the gap using what the business already owns and is owed.
The Need
A cash crunch is not always a sign of trouble.
Profitable businesses run short on cash all the time. Growth, long payment terms and seasonal work all create a gap between when money goes out and when it comes in.
The question is whether you are covering a timing gap or a real loss. A timing gap is best solved with a structure that turns assets or receivables into cash. A loss needs a harder look at margins before any financing makes sense.
Build a Plan
Before you apply.
Find where the cash is stuck
Look at receivables older than thirty days, equipment that is paid off and inventory that turns slowly. These are the places capital is already sitting.
Size the gap honestly
Map out the next ninety days of inflows and outflows. The right amount covers the gap with a margin of safety, not as much as you can get.
Match the structure to the cause
Slow customers point to factoring. Idle equity in equipment points to refinancing. A one-time hit may call for something short and simple.
Financing Routes
Ways to fund it.
The best route depends on what the business owns and what it is owed.
AR & Invoice Factoring
Turn unpaid invoices into cash within days instead of waiting thirty to ninety days for customers to pay.
Learn about AR & Invoice FactoringEquipment Refinance
Release equity from owned or mostly paid-off equipment to build a working capital cushion.
Learn about Equipment RefinanceSale-Leaseback
Sell owned equipment to a funding partner and lease it back, keeping full use of it.
Learn about Sale-LeasebackEquipment Financing
Finance new equipment rather than paying cash, so your reserves stay intact.
Learn about Equipment FinancingHow 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:
- Recent bank statements
- Accounts receivable aging report
- List of owned equipment and any balances owing
- A simple cash flow forecast
- Year-end financial statements if available
- A short note on what caused the gap
Questions.
Not always. Factoring is the sale of invoices, and refinancing is secured by equipment. Both are built around specific assets rather than a general loan amount.
Factoring can often be set up within a week. Equipment refinancing typically takes days to a couple of weeks once documents are in.
These structures usually sit alongside your bank relationship. Many owners use them to keep the operating line available for emergencies.
Financing can bridge a short-term setback, but it will not fix an ongoing loss. We will tell you plainly if the numbers do not support it.
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.