We recognize the unique trust clients have with their CPAs

We are equally aware of the reputation of many in our industry. Most of the firms in our space are small, operate within a 90 mile radius of their home office, have less than 10 years in business, lack institutional capital, and are heavy handed with a clients’ customers.

Help Your Clients Grow Their Business

Our 40 years in the working capital business has taught us many things, the most significant being, it isn’t the cost of the capital as much as it is access to capital that is the key to success. Without working capital, young and growing companies stagnate or die. A common scenario many of our small business prospects face, and we suspect many of your clients encounter as well, is how to finance growth on a nominal equity base. Many of these companies incorrectly believe they can obtain small business loans through their bank. When they realize they cannot, they become frustrated with their banker and turn to their advisors, like you.

The basic math aside, we also believe the current regulatory environment confronting the banks will only continue to limit access to working capital for small companies. This is coupled with the fact that most community and small regional banks prefer to lend on “hard assets” (real estate or equipment), and simply aren’t equipped to understand, manage, and monitor working capital lines of credits secured by accounts receivable financing and inventory. Add to this a rapid growth scenario, a previous tax issue, personal bankruptcy, or account concentrations, and the banks become even more nervous.

We are also convinced there is much confusion about the alternative financing space among small businesses. Many make the incorrect comparison of believing we are an alternative to bank financing. We are not. If a company is “bankable,” we encourage them to find a bank and will direct those who are bankable to an appropriate bank. If they’ve been deemed “unbankable” and are looking for working capital solutions, we invite them to contact us.

Your Customer’s Financing Options

There are a myriad of reasons as to why a company may fall into the “unbankable space” — things like leverage, tax issues, low credit scores, previous bankruptcy, and rapid growth to name few. Regardless of the reason, if they do not qualify for bank financing, they generally only have four financing options:

  • raise equity and dilute their ownership at a less than optimal time
  • finance their growth from internal cash flow
  • forego the growth opportunity and stagnate
  • seek alternative financing

We Help “Unbankable” Companies with Working Capital Financing

If your clients experience difficulties in obtaining working capital financing, consider talking to us.

Advance on A/R

Assist with A/R

We can advance up to 90% of eligible A/R, assisting with administrative follow-up on the A/R as well as performing credit analysis on your clients’ customers, both of which are cost centers for your client.

Credit Starting From

Grow With Clients

We can provide credit facilities ranging from $25,000 to $2,000,000, thus we can grow with your clients as their working capital needs evolve.

Years of Experience

Industry Experience

Our senior management team has over 250 combined years of industry experience.

Years in Business

Reliable and Stable

We’ve been around for over four decades and possess a national footprint. Also, we have traditional bank financing supporting us, a rare characteristic only one-third of our competition can claim.

Ready For Your Bridge to Bankability?