Too many business owners we meet are “money cost” fixated. This means that they focus too much on the cost of money and not on how much money they can make. One of the most common mistakes business owners make is that they get all hot under the collar about the cost of working capital [...]

There are two ways small businesses can compete with the “big guys.” One is by offering open terms with their sales; the other is by getting paid COD for their work. An oxymoron? Not quite. Remember: Cash is king! There are many options to help a business stay competitive. One is to carry a credit [...]

Alternative financing is typically an alternative to lending. A bank or financial institution lends money based on a borrower’s credit strength, and then holds that borrower responsible for repayment of the loan. But did you know that the bank or financial institution has the right to pursue the borrower’s customer in a case of default? [...]

Recently investment property owners have been utilizing the equity in their investment properties both to refinish these properties but also access working capital for their businesses. A third opportunity is to use this equity to purchase other properties. Transactions have run as small as $45K and as high as $10MM (+). Loan to value has [...]

A state agency lender (non-bank financing offered through state agencies that support and enhance business development when banks cannot and frequently involving multiple lenders) was faced with a problem: A company they had loaned money to was growing readily using the agency financing and a factor to maintain working capital levels had their cash flow [...]