We are industry agnostic, but most of our deals come from manufacturing, healthcare, CPG, digital media, technology, and business services companies.
We’ve funded 30+ different industries, but we have a focus on the below.
Business services companies often bill some upfront, and then must deliver work to get the rest. This can extend collections on sales to 60-90+ days, requiring far more cash on hand – especially when in growth mode.
Depending on who your customers are, you may qualify for asset based financing. If you currently have a solution in place, sales based financing may be a viable path.
A CPG growth chart looks like a staircase – it goes up, then flatlines, up, then flatlines, up, then flatlines. The reason why is because it’s so capital intensive, that capital becomes the only constraint. When a CPG company is growing, and it receives an influx or very large purchase orders, generally the receivables are not enough to finance the new POs. In other words, for a growing CPG company, POs will almost always outsize existing receivables. Like a traditional manufacturing company, we offer solutions that enable CPG teams to finance receivables, purchase orders, and inventory. If your assets are currently tied up with another creditor, you may qualify for sales based financing to invest in more inventory.
At Capital Desk, we fund the entire digital media ecosystem, including but not limited to: publishers, SSPs, exchanges, DSPs, media buyers, and agencies. Returns in digital media are so ephemeral. One day a campaign has a hot ROAS, another day it’s a dude. One day CPMs are cheap, the next day they skyrocket. By having access to quick liquidity solutions, media teams are able to capitalize on opportunity with immediate funds.
Our founder is also the founder of OAREX, a global leader in digital media and advertising financing. We know this ecosystem incredibly well.
The wait time on healthcare receivables can drain a business of capital and resources trying to find more capital. Through a network of healthcare centric commercial financing partners, we offer an array of solutions for healthcare companies. Whether it’s medical devices, home healthcare, urgent care clinics, or private hospital groups; we have solutions to finance Medicare receivables, patient receivables, and purchase orders from large healthcare companies.
Manufacturing is a very capital intensive business. Not only do companies have to come up with a way to finance purchase orders, the lag time after delivering product to your customer can be 120+ days. With the right clientele, manufacturing companies qualify for a potential “unitranche” facility – meaning one loan and security agreement, with multiple facilities built-in: one for receivables, one for purchase orders, and one for inventory. This allows manufacturing teams to focus on growth and operations, with capital coming in one solution, from one provider. If you’re currently financing with another asset based financing company, you may qualify for sales based financing instead.
Being based in Cleveland, OH, manufacturing is near and dear to our heart. There is a revival of sorts as companies begin to onshore from China, and back to the USA.
Technology companies require a huge investment upfront, and then one day growth explodes. Given the consistency of technology revenues, like for a SaaS companies, many solutions exist. The most common one being asset based financing secured by receivables, but if the company doesn’t have receivables, then a merchant loan backed by contactual revenue.
Please note, we acknowledge many technology companies are start-ups. As such, we require a minimum $5M in sales and 12 months history as a bare minimum.
With access to 60+ financing partners, we guarantee you multiple paths to close, provided you qualify.
Since September, 2023, we’ve deployed $114M+ to clients across an array of industries.
Asset based deals take 5-15 business days to close, sometimes longer. Sales based deals take 1-3 days. All deals move and depend on client responsiveness.
$5M+ in sales over the last 12 months, based in the USA, and preferably in one of the above listed industries, though that is not required. As long as you’re not part of an industry we do not fund, we can likely be of assistance.
Sometimes. Subcontractors like electricians, plumbers, and carpenters qualify for numerous types of financing solutions. General contracts, because of slippage, reserves, and razor thin balance sheets usually do not qualify.