Category Archives: Working Capital

Factoring Accounts Receivable is Expensive

The case against factoring invoices First, I should give you a bit of background. I have been in banking for over fifteen years. All of those years have been on the commercial side of banking with an emphasis on credit … Continue reading

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Accounts Receivable Lending

Lending against accounts receivable – This is what an underwriter looks at. Current asset financing such as lending against accounts receivable (A/R) requires knowledge, monitoring, and sound underwriting. Bank lenders that rely on the accounts receivable turnover as the primary … Continue reading

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Financing Accounts Receivable and Inventory

An Introduction to Asset Based Lending (ABL) Asset Based Lending is a financing method that uses the short term assets of a business as the basis of the loan facility.  In this type of loan, availability is tied to the … Continue reading

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Funding your business – Crowd Funding IPOs

Crowd funding and the new Jumpstart Our Business Startups law Although the website is mostly about commercial lending as a source of financing for business and commercial real estate, I wanted to discuss a different source of financing for businesses. … Continue reading

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Floor Plan Underwriting loans to auto dealers

 Lending to automobile dealerships New car dealerships in the US work under franchise agreements with car manufacturers. Dealerships are sophisticated retail operations with separate revenue streams. Although selling new automobiles is the driver behind sales volume and customer traffic to … Continue reading

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