We offer an array of asset based lending (ABL) and financing solutions.
A revolving line of credit helps your business preserve cash flow by replacing large monthly principal payments with interest-only payments on the amount you’ve borrowed. Instead of tying up cash repaying debt every month, you can keep more money in your business to fund payroll, purchase inventory, invest in growth, or respond to unexpected opportunities. For many businesses, a revolving line of credit is one of the most flexible and cost-effective ways to finance day-to-day operations.
Revolving facilities can be structured against assets that include accounts receivable (A/R), purchase orders (POs), and inventory, raw goods, and materials, and are structured with interest only payments.
A revolving line of credit is designed for businesses with ongoing working capital needs. It can be used to fund payroll, purchase inventory, bridge seasonal cash flow gaps, cover operating expenses, or support business growth. Because funds can be drawn as needed, it provides businesses with reliable access to capital whenever opportunities or challenges arise.
Unlike a traditional term loan, a revolving line of credit gives your business continuous access to working capital without applying for new financing each time funds are needed. Interest-only payments help preserve cash flow, while the ability to draw and repay funds as needed provides greater flexibility for managing day-to-day operations and future growth.
Not every lender evaluates a revolving line of credit the same way. Capital Desk works with banks, asset-based lenders, and specialty finance companies to identify the financing solution that best fits your business. By structuring each transaction and presenting it to the right lending partners, we improve your chances of approval, increase certainty of closing, and help you secure the working capital your business needs.
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.
A revolving business line of credit is an interest-only loan against a basket of “assets” on your balance sheet. Those assets must include receivables, but can also include purchase orders, inventory, raw goods, and materials.
An RLOC works just like a HELOC – you draw as needed against your basket of short-term assets, and pay interest only back to the lender until the end of the term, which is usually 1-2 years. As you draw, your interest pay ment goes up, but the principal doesn’t come due until the end of the term or if you violate a covenants.
Yes, usually, because RLOCs are the cheapest and most affordable. They’re not only “cheaper” than most commercial financing products in terms of price, but more affordable than nearly every other loan product because it’s “interest only”. Additionally, profits are required, which de-risks the deal for the lender, enabling them to offer lower rates.
You must have receivables from enterprise or middle market clients who can be approved for credit. Qualifying inventory, purchase orders, raw goods and materials can be placed into the facility as well, to maximize the borrowing base. Profits are almost always required for a true RLOC.