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Account Receivable Financing
Accounts receivable are usually the first asset a company seeks to monetize through financing. Accounts receivable financing through asset-based lending is a viable alternative to bank financing for companies looking for maximum flexibility.
Accounts receivable loans and other financing methods can unlock the value of the accounts receivable you have earned but have not yet collected. Instead of waiting 30-90 days for customers to pay their invoices, our lenders can advance up to 90% of the face value of your outstanding invoices. Accounts receivable financing frees up cash for everyday operating expenses and expansion.
The Challenge
Regardless of the industry or size of your company, a lot of your business’ capital is likely “locked up” in your accounts receivable. AR financing can be the solution you need to get ahead of financial difficulties, grow your business, or solve your liquidity needs. This means your receivables can provide you with the liquidity required for your success.
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AR financing may be the answer if your company:
- Did not qualify for financing from a bank
- Needs financing to grow quickly or expand
- Is transitioning to overcome challenges
- Is trying to fill gaps in the cash flow cycle by constantly negotiating with customers and suppliers
- Has large customer concentrations
- Faces seasonal A/R fluctuations or other challenges.
Whether you are a manufacturer, wholesaler, distributor, professional services company or importer/exporter, if you need from $500,000 up to $20 million, our asset-backed accounts receivable financing service can help you thrive.
The Solution
An asset-based loan backed by receivables and other assets is an excellent way to leverage your assets to help you succeed. You can start with financing as low as $500,000 and grow the facility up to $20 million. Whether your business is young and growing, mature, or undergoing a difficult transition, AR financing allows you to:
- Benefit from financial flexibility, without restrictive covenants
- Grow your credit line with the pace of your sales
- Provide your good customers with extended payment terms
- Thrive even with large customer concentrations
- Take advantage of discounts and special buys offered by your suppliers
- Focus on your business instead of chasing your customers to pay more quickly
- Finance your eligible foreign receivables
- Worry less about cash flow and unpaid invoices
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