Working Capital
When restricted cash flow impacts your company’s ability to meet short-term expenses, you need a fast, affordable solution. We’re ready to help with a range of working capital options you’re bound to love.
UNDERSTANDING
Working Capital
The wealthiest companies in the world would be left stranded without working capital. It’s the vital component that pumps through the veins of every business. That’s why it’s so important to keep your cash flow moving as it should. Fund new initiatives, cover short-term obligations, and move your business forward by leveraging one of these working capital options. Our brokers will match you with exclusive deals on short-term financing with best-in-market rates that help you clear financial hurdles with ease. Whether you need a lot or a little, now or down the road, we’ve got the solutions you need.
Lines Of Credit
A line of credit is a replenishable source of working capital that’s available at any time. You can keep a line open for emergencies at little to no cost. Interest is charged only on your account balance which means you can keep costs low. Much like a credit card, lines of credit let you draw from your account up to a set limit. When you make payments on the account, your balance opens back up. Unlike credit cards, you have the option to secure a line of credit, giving you more borrowing power. Secured cards let you leverage assets to boost your credit limit at lower interest rates than most credit cards. Don’t want to use your company’s assets? Use your credit score instead to get an unsecured line of credit. If you’re unsure about which line of credit is right for you, feel free to reach out to one of our brokers.
Factoring
Factoring turns your accounts receivable assets into cash before they’re paid. You can receive an advance of cash from invoices, purchase orders, and contracts by working with a factor. The factor buys your AR assets for a percentage of their value. That way, you don’t have to wait weeks or months to see payment. When your customers pay, the factor collects their repayment and forwards the remaining cash on to you. Most factors approve in 24 hours or less. You can factor as often as you want or factor multiple invoices at once. Since factoring uses your clients’ credit and payment history, you can be approved, even if your credit isn’t perfect. Beware that not all factoring companies are the same – some charge high fees and hidden interest. That’s why it’s important to work with a reputable broker. We help you find a factor with integrity and transparency so you can avoid unpleasant surprises.
Sale-Leaseback
Asset-based loans are a smart way to leverage the equity you own into working capital. A sale-leaseback works with your company’s equipment assets. If you have valuable equipment but need to improve cash flow, a sale-leaseback lets you get cash without giving up the equipment you need to keep business moving. The process starts when you sell your equipment to a buyer. The buyer gives you a lump sum based on the value of that asset. But, instead of removing equipment from your workflow, you keep it in place and lease it back from the buyer. At the end of your lease, you may have the option to buy the equipment back, renew the lease, or upgrade to the latest model. Most leases come with maintenance and repair costs covered, so you don’t have to worry about the added expense. Our brokers can help you find a lender who will give you fair value for your assets.
Hard Money Loans
Hard money loans provide you with a lump sum based on the value of an asset. You can utilize a hard money loan to buy property, onboard equipment, bring in inventory, or get working capital. Hard money loans are asset-based, which means lenders rely on the value of your asset, not your credit score. While your credit is taken into consideration, it’s not as important as what your asset is worth. Because hard money lenders don’t have to jump through the hoops that banks and other traditional lenders do, you won’t have to wait for weeks to be approved. In most cases, you can see cash in just a matter of hours. That makes hard money loans a great short-term financing option when you need to handle expenses right away, especially if you have a low credit score. To find the best hard money loans, speak with a qualified broker. With a broker, you can avoid the one-size-fits-all loans of online lenders and get financing customized to your business. Contact us today!
OUR PROCESS
Quality Loan Packaging

STEP 2
Working together, we compile your financials and create a financing package we can take to lenders.
Alternatives
If these solutions aren’t what you’re looking for, try:

SBA 7 (a) Loan
These small business loans let you borrow working capital at low interest rates capped by the federal government. You can qualify, even if another lender has turned you down. Roll real estate and working capital together into one loan to build in renovation funds. Ask us how.

Bridge Loans
A bridge loan helps you get from your immediate purchase needs to long-term financing without having to wait around. Use one to make a cash offer on a property before your long-term mortgage comes through. You can easily replace the bridge loan with the mortgage when the time is right.
Accelerate Cash Flow
Working Capital Funding
Don’t let short-term expenses drag your business down. Get in touch with our brokers today to learn how to bring in working capital quickly and affordably before you get behind. Want to launch a new project? Our brokers will find the right working capital loan to make it happen.
CONTACT US
We are always ready to help you
EMAIL ADDRESS
Charles.Bantis@WesternFundingAdvisors.com
PHONE
970 - 379 - 1273
ADDRESS
2075 County Road 112 Carbondale, CO 81623