We offer an array of asset based lending (ABL) and financing solutions.
Late-paying customers shouldn’t prevent your business from growing. Capital Desk helps companies convert qualifying overdue accounts receivables (A/R) into working capital through Late Receivable Financing. Instead of waiting months – or years – for payment, you can unlock liquidity today and redeploy capital into operations, inventory, payroll, or growth opportunities while we assume the responsibility of recovery.
Late A/R Financing is designed for companies with significant commercial receivables that are well past normal payment terms but still have meaningful recovery value. Whether your customer is simply slow to pay, unorganized, or the invoice simply got lost, we’re here to help you convert it to liquidity.
Ideal for:
- Commercial invoices 60+ days past due
- Customers with chronic payment delays
- Large disputed receivables with supporting documentation
- Businesses needing immediate working capital
- Companies looking to reduce collection risk and administrative burden
Rather than waiting on uncertain collections, Late A/R Financing allows your business to strengthen cash flow today while transferring the recovery process.
Benefits include:
- Immediate access to working capital
- Improve liquidity without taking on new debt
- Reduce concentration in aging receivables
- Eliminate ongoing collection efforts
- Transfer recovery risk on qualifying accounts
- Redeploy capital toward growth instead of collections
Capital Desk approaches overdue receivables from a commercial finance perspective—not simply a collections perspective. By converting qualifying late accounts receivable into liquidity, we can help businesses maintain borrowing base availability with their senior lender, preserve access to existing credit facilities, and maximize total capital available through creative financing solutions.
Our experience across commercial lending, specialty finance, and distressed assets allows us to evaluate opportunities that conventional lenders, factors, and collection firms often cannot. Whether the objective is protecting a bank relationship, improving liquidity, or unlocking additional working capital, we structure solutions designed to strengthen your balance sheet and support future growth.
I actually think this is a stronger message than focusing on “we buy receivables.” It speaks directly to what a CFO or business owner cares about: maintaining liquidity, preserving borrowing capacity, and optimizing the capital stack.
We serve clients nationwide, and have delivered capital to 48 States, Puerto Rico, and Canada.
Since September, 2023, we’ve deployed $150M+ to clients across an array of industries.
Late A/R Financing allows businesses to unlock working capital from qualifying overdue commercial accounts receivable. Rather than waiting months—or longer—for customers to pay, Capital Desk evaluates late-paying invoices and may purchase qualifying receivables, providing immediate liquidity that can be reinvested into your business.