Business crisis financing

• Our credit decision is based on your company’s assets and the creditworthiness of your customer, not past financial performance
• Years you’ve been in business is not a factor in our funding decision
• Underwriting is done in-house, so we can provide funding faster, typically in just 2-5 days.
• Mix our diverse products to tailor a solution that most benefits your business.
• We are a private company, meaning you receive flexibility and custom solutions.
• We work with tax liens, balance sheet issues, and DIP financing.

• Same day approval/closing in 2-5 days
• Custom product mix for your capital needs
• Same day funding for invoice financing
• Deal directly with decision makers
• No maximums for monthly receivables
• No debt is added to your balance sheet
• Challenged credit is a non-issue
• Years in business is not a factor
• No equity required
• 100% financing on purchase orde

• Purchase Order Financing
• Equipment Leasing
• Government Contract Financing
• Asset Based Lending
• Invoice Factoring
• Payroll Funding
• DIP Financing
• Mobilization Funding

• Accounts Receivable Financing - We begin by verifying the submitted invoice(s) and advancing up to 90% of the total value of the invoice(s). our lender is concerned with the credit quality of your clients (account debtors) and not your personal or business credit scores. Working capital will arrive in your bank account within 24 hours. Once your client has sent payment for the invoice(s), the lender will charge a financing fee and remit the balance back to you. We can repeat this process as often as you can generate an invoice.
• Purchase Order Financing - Once a valid Purchase Order is obtained from your client, funding can begin within a matter of days. As long as the company you are doing business with is of a high credit quality, we will not cap the amount of funding you can receive or limit your growth. This allows you to focus on sales and move your business forward without any concern about how you will obtain the next round of financing. We monitor the fulfillment of purchase orders from start to finish. This is beneficial because having us as a third party verification of processes ensures quality and mitigates risks throughout the manufacturing, shipping, and delivery process. Once your order is completed and delivered, you may not receive final payment from your customer for 30 to 90 days.
• Equipment Leasing - You choose the equipment you want and provide invoices from the vendor, making sure to include all shipping, installation, and setup fees.

1. You fill out a simple lease application with the lender, specifying the term and type of lease you prefer.
2. After your lease is approved, the lender will purchase the equipment and have it delivered and installed (if applicable) at a time specified by you.
3. You make fixed monthly payments for the term you have chosen, enjoying the benefits of the equipment as though you own it.
4. At the end of the lease, as written in the lease contract, you have a few options:
   1. Turn the equipment in and lease new equipment.
   2. Extend the lease or pay month-to-month to keep the same equipment.
   3. Purchase the equipment from the lender  at the price predetermined in the lease contract.

• Asset Based Lending- Our lenders will establish a revolving line of credit (revolver) to maximize the availability of working capital from the company’s asset base. The borrower then grants the lender a security interest in the items being used as collateral, such as Accounts Receivable, Equipment and Inventory. A value is given to each asset, and a percentage of the value of the asset is made available to the borrower as a line of credit. A typical revolver structure will make available 90% of the Accounts Receivable, 75% of Equipment, and 50% of the Inventory value.
•  Invoice Factoring - Once a product/service is completed, you generate an invoice to both your client and the lender . We then verify the submitted invoice and advance you up to 90% of the total invoice value. The lender is concerned with the credit quality of your clients (account debtors) and not your personal or business credit scores. After the invoice is submitted, working capital will arrive in your bank account within 24 hours. Once your client has sent payment when the invoice is due, The lender will remit the balance back to you, less our fee. We can repeat this process as often as you generate an invoice.
• Chapter 11 Debt Financing - Debtor in possession or DIP financing is for businesses that are in financial distress and plan to file or have filed for Chapter 11 bankruptcy, to protect themselves from creditors. It is used to enable the reorganization of a business by accessing capital to support operations while their bankruptcy is under way. DIP financing is unique in that it usually has priority over existing debt, equity, and other claims for the creditor.
• Mobilization Funding - Mobilization funding provides the capital needed to cover costs before work begins on a project or prior to invoicing. This can include such things as the transfer of both equipment and manpower, the installation of equipment at the project site, personnel lodging and allowance, insurance, and payroll.
• Government Contract Financing 

The Federal Assignment of Claims outlines how a Government Contractor may assign monies that are due under a Federal Contract. Obtaining an approved Assignment of Claims is a detailed process that the lender operations department has the qualification and experience to navigate through. In addition to an Assignment of Claims, a Contract Modification may need to be obtained as well. Once the above are in place the verification and funding process is quick, typically 24 hours. It is important to work with a financial institution that understands the intricacies of the Federal Assignment of Claims, Contract Modifications, and communicating with Contracting Officers.

There are various Federal Contract Vehicles that the lender’s clients have used to secure work with the Federal Government and Department of Defense to include: IDIQ’s, BOAs, Task Orders, GSA Schedule, ENCORE II, SeaPort-e and DHS Eagle, just to name a few. our lender has experience with multiple contracts allowing us to quickly and efficiently structure our clients a financial solution.

There are a variety of programs and qualifications tailored to small businesses who wish to work with the Federal Government. The below qualifications receive special treatment on certain Federal Contracts:

• WSOB – Women Owned Small Business
• HUBZONE – Historically Underutilized Business Zone
• 8(a) Certified Small Disadvantage Business
• VOSB – Veteran Owned Small Business
• SD-VOSB – Service-Disabled Veteran Owned Small Business