We are industry agnostic, but most of our deals come from manufacturing, healthcare, CPG, digital media, technology, and business services companies.
There’s nothing that can harm a business more than a mismatch in capital: taking on long-term capital to solve a short-term need; or taking on short-term capital, to solve a long-term need. Despite qualifying for asset- or sales-based financing, it may not be the path that makes the most sense. Our strategies take into consideration your existing capital stack, growth needs, timing, and use of funds.
Many companies turn to commercial capital because it’s quick. But they don’t want to necessarily hold debt for a long time. One of our strategies is to pursue bridge-like financing structures. These allow you to infuse the business with capital in 1-3 days, and you can pay it off early, at any time within the first 3-6 months, for significant savings.
Due to the short-term nature of the capital need, there are no prepayment penalties – only discounts.
Sometimes business owners can’t wait too long when it comes to growth. Big, new customers often give hard deadlines of acceptance. And if their orders aren’t accepted in time, you lose the chance – for good. With our Exigent Growth strategy, we set you up with solutions that provide you with the liquidity, when you need it, so you continue on your upward trajectory.
Often times, companies need capital when they have existing financing in place. In the interest of preserving those relationships, companies turn to junior, subordinated, or sales-based financing type structures. We can help you secure additional capital behind your existing senior creditor, and we take all the necessary measures to protect their collateral position: we offer solutions that will subordinate to your existing senior partner, or not a file a lien on the business.
One of the biggest issues we see is a mismatch of debt. Companies take on short-term capital to solve a long-term need; or they take on on a long-term capital solution to solve a short-term need. Regardless of the mismatch, it creates pain: you either borrow and don’t accomplish what you’re trying to accomplish, or your pay extra in fees for financing you don’t really need anymore. With this strategy, we can help you “reset” the length of your debt, with actual needs.
Many Covid-era deals have gone bad, and cap tables need reset. If you’re looking to buy out a partner, we are happy to help you come up with a solution. The way this would work is like a leveraged buyout on Wall Street; the company borrowers, and your partner walks with the capital. You, as the business, then service the debt repayment. It will cost you in the end, but the returns are asymmetrical: you buy profits for life, for a one-time fee on capital.
For better or worse, companies often find themselves in special situations. These are scenarios where a company is either unfamiliar, or some outlier, exogenous event has commanded the need for capital: a late receivable, a lender calls their line of credit, a disgruntled key vendor changing term son you, late inventory shipments, or just plain old bad luck. Special situations call for special strategies and we make sure that you will not end up with a mismatch of debt.
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.
$3M+ 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.