Capital Solutions is a one-stop shop for four kinds of business lending: invoice factoring, asset-based loans, purchase-order financing and term loans. If you need working capital immediately to cover your operating costs or grow your business, we help you determine which form of financing is the best fit for you. Because we have access to our a large network of lenders, we negotiate to make sure you’re getting the best deal. If your business is growing rapidly, you may have become frustrated with the lending restrictions of the banking sector. We can help!
We serve a wide range of businesses. We have expertise in apparel, government contracting, importing, manufacturing, service, staffing, transportation, and wholesale. Don’t worry if your sector isn’t listed—call us today to discuss your particular needs, and we will find a customized solution for your company.
Factoring allows you to get cash fast—without taking on new debt. Businesses of all sizes use factoring every day to finance their operations. In essence, factoring means you are selling your receivables and can get an advance of up to 80–90% of the invoice prior to your customer paying. You can use those funds at your discretion. The remaining 10–20%, called a reserve, is held back; you’ll receive the remaining balance, minus the lending fees, after the customer pays.
Purchase-order financing is a great choice for businesses that have orders ready to fulfill, but lack the cash flow to pay their supplier up front.
If you are eager to expand your business but have been frustrated by time-consuming and restrictive traditional bank lending practices, our individualized asset-based loan packages may be the best solution for you. Banks typically require an established credit history, cash flow, and profitability before considering a business loan; additionally, they require you to comply with stringent loan covenants that are often difficult to adhere to.
Asset-based loans are more difficult to qualify for than factoring, but we can make decisions faster and resolve your problems more decisively than the banking sector. Asset-based loans can be secured by accounts receivable, real estate, inventory, or other assets.
Call us! The nature of your industry may influence which forms of business lending are best for you (for example, the seasonality of the apparel industry makes a combination of PO financing and factoring a good structure). We know that individual scenarios require customized financing plans. The sooner you contact us, the sooner we can get to work on determining what is right for your business and getting you the capital that you need—efficiently and affordably.