Debt Capital is money a business borrows from banks, finance companies, and individuals with a specified payback time and interest rate. There are a multitude of debt instruments available in the market
Working Capital Solutions For Small Business
Over the past two decades I’ve spoken with hundreds of owners, Presidents, CEO’s, and CFO’s. Companies ranging from startups to multi-national, to multi-generational businesses. Each one possesses a unique narrative to share. Their successes, failures, seized opportunities, and missed chances. Presented here are select stories, helpful articles, and business loan resources.
UCC lien filings, what you need to know
Do you have a UCC lien filing, or know the number of liens filed, on your company? I talk to a lot of business owners that have no idea they have liens filed against their company’s assets
Too many MCA loans?
The allure of quick and easy loans marketed by the merchant cash advance (MCA) industry proved too tempting, leading to the new owner securing five MCA loans.
Capital Structure Best Practices
Capital structure best practices are something that can be used in your favor, if given the appropriate attention. Determining the “optimal” balance of equity and debt will ensure that the firm can maximize its value.
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How can I help?
Growth funding and working capital structure is my passion. I’ve worked with a wide range of companies over the years from start-up to $30+ million. I’ve helped companies to scale quickly, take on new projects, or capitalize on recent opportunities. Business loans and asset-based facilities from $50k to $10MM.
– Brian Cate
Explore capital options to fit your needs.
Whether it is short-term working capital, SBA business loans, a term loan, Government Contract Financing, Purchase Order Financing, or Invoice Factoring I can help you find the right lender to meet your financing needs.
Working Capital Business Loans
A Working Capital Business Loan is a type of loan designed to help businesses cover their day-to-day operational expenses and manage their short-term financial needs. These loans are used to finance the daily operations of a company, such as purchasing inventory, paying suppliers, meeting payroll, covering rent, or addressing other short-term financial obligations. Read more.
Purchase Order Financing
Purchase Order Financing (PO Financing) is a specialized form of short-term business financing that helps companies fulfill customer orders when they lack the necessary funds or credit to do so on their own. This type of financing is particularly useful for businesses that face cash flow constraints, seasonal demand fluctuations, or rapid growth scenarios. Read more.
Government Contract Financing
Government contract financing provides short-term working capital to help small businesses that have been awarded federal, state, or local government contracts. Government contract financing is intended to address the unique challenges that businesses may face when working on government projects, such as delayed payments, upfront costs, and working capital constraints. Read more.
Invoice Factoring
Invoice factoring, also known as accounts receivable factoring or simply factoring, is a financial transaction in which a business sells its outstanding invoices or accounts receivable to a third-party financial company, known as a “factor.” The factor then advances a portion of the invoice amount to the business upfront, typically around 80% to 90% of the invoice value, and retains the remaining balance as a reserve. Read more.