Cash Flow Based Lending

Cash flow based lending is especially powerful when you run a company with solid revenue and a clear business model, but you:

• Have limited additional assets to pledge
• Have already maximized your bank or ABL facility
• Need capital quickly to capture a time sensitive opportunity

Common situations where this structure fits well include:

1. Financing large purchase orders
   You win a sizable order from a key customer but must buy materials, pay sub suppliers, and ramp production long before you get paid. A cash flow based loan can fund the upfront costs, then be repaid from the resulting revenue.
2. Bulk inventory purchases and supplier discounts
   Buying in bulk, taking early pay discounts, or locking in pricing can significantly improve margins, but only if you have the working capital to write a bigger check today.
3. Hiring and payroll for rapid growth
   New contracts often require you to hire ahead of revenue. A cash flow based facility can bridge the gap until those contracts are fully billed and collected.
4. Equipment and technology upgrades
   Waiting months for traditional equipment financing may not be an option. Cash flow based lending lets you acquire mission critical equipment or technology faster, then refinance later into longer term structures if appropriate.
5. Payables cleanup and vendor negotiations
   If vendor balances have crept up to uncomfortable levels, a cash flow loan can consolidate and pay down those obligations, restoring critical supplier relationships and giving you more negotiating power.
6. Acquisitions and strategic investments
   For companies with strong cash flow but limited collateral, cash flow based junior capital can help finance an acquisition or strategic expansion while preserving senior lender relationships.

If your company has a clear path to future earnings but your balance sheet does not tell the whole story, cash flow based lending can offer a more flexible fit than pure asset based credit.

Noble Funding’s cash flow based lending program

Noble Funding provides cash flow based lending nationwide, including both long term cash flow loans and shorter term cash flow based junior capital.

Target company profile

While every situation is unique, Noble Funding generally focuses on:

• Annual revenue: typically $5 million to $150 million
• Profitability: companies can be positive or negative EBITDA when there is a clear path to repayment
• Industry: a wide range of industries across the United States
• Existing lenders: many clients already have a bank, SBA lender, or asset based lender and need additional junior capital beyond what their primary lender will provide

Cash flow based junior capital: $300,000 to $10 million

For established companies that need a meaningful amount of growth capital, Noble Funding structures cash flow based junior debt that sits behind your senior secured lender:

• Loan size: typically $300,000 to $10 million in junior capital
• Terms: usually 12, 15, or 18 month terms tailored to your cash flow profile
• Speed: many transactions can move from initial conversation to funding in a matter of days for qualified borrowers
• Use of proceeds: any legitimate business purpose, including purchase orders, inventory, payroll and hiring, equipment, vendor cleanup, and general working capital
• Position in the capital stack: fully subordinated to your bank or senior secured lender, designed to complement rather than compete with existing facilities
• Collateral: can often be structured as fully unsecured, with no blanket UCC filing on general corporate assets
• Early payoff discounts: meaningful discounts are typically available for the first six months, reducing cost of capital for borrowers who refinance or repay early

This structure is ideal for situations where you might be searching for a fast $1 million, $2 million, or even $5 million to $10 million cash flow based loan and need a lender that can respond quickly.

Why companies choose Noble Funding for cash flow based lending

In a crowded marketplace of online lenders and brokers, Noble Funding differentiates itself with experience, reputation, and alignment with mid sized borrowers.

Twenty years of experience and A+ BBB rating

Founded in 2005, Noble Funding has been providing working capital and bridge financing for more than two decades. The firm holds an A+ rating with the Better Business Bureau and reports zero complaints since accreditation, which is uncommon in the alternative lending industry.

Third party publications such as Business.com, Business News Daily, and Financial Services Review have highlighted Noble Funding’s customer service, high approval amounts, and role as a non-bank lender for lower middle market companies.

Over $1 billion funded nationwide

Noble Funding’s team has successfully funded over $1 billion in business loans and credit facilities for companies across the United States. That breadth of experience means they have seen a wide variety of cash flow profiles, industries, and capital structures, enabling them to design creative solutions when standardized programs fall short.

Designed for companies with $5M to $150M in revenue

Unlike lenders that only focus on very small businesses, Noble Funding is built around the needs of established middle market companies:

• Many clients already have a senior lender in place
• Transactions commonly fall in the $1 million to $10 million range
• The firm is comfortable working with complex capital stacks and coordinating with banks, factors, or asset based lenders

Fast, relationship driven process

Noble Funding emphasizes:

• Streamlined document requests compared with traditional banks
• Clear, transparent terms without hidden fees
• Direct access to senior decision makers who understand middle market dynamics

Because the business model is built around long term relationships, Noble Funding does not charge upfront or application fees for its consulting, underwriting, and placement efforts. The firm is compensated only when clients accept financing.

What the cash flow based lending process looks like

While every transaction is unique, a typical cash flow based junior capital process with Noble Funding might follow this path:

1. Initial conversation
   Discuss your company, revenue, existing lenders, and the purpose and size of the loan. This helps determine whether a cash flow based structure is a good fit and what approximate range (for example, $1 million, $2 million, or $5 million plus) makes sense.
2. Document collection
   Provide recent financial statements, bank statements, accounts receivable and accounts payable aging, and a summary of how the funds will be used. This allows Noble Funding to analyze cash flow coverage and structure options.
3. Preliminary terms
   If there is a clear fit, Noble Funding can usually respond with indicative or formal terms quickly for qualified borrowers.
4. Final underwriting and approvals
   The team completes detailed underwriting, coordinates with your senior lender if subordination is required, and finalizes legal documents.
5. Funding
   Once documents are executed, funds are wired. For many deals, this can occur within a small number of business days after the initial conversation, particularly for transactions in the low to mid seven figure range.

For smaller BankLite long term loans, the process is similarly streamlined, with approvals often reached in just a few business days for qualifying borrowers.

Is cash flow based lending right for your company?

Cash flow based lending from Noble Funding may be a strong fit if:

• Your company has approximately $5 million to $150 million in annual revenue
• You have strong revenue and a clear business model, even if EBITDA is temporarily flat or negative
• You have a bank or asset based line, but it will not stretch far enough for your current needs
• You need $300,000 to $10 million of junior capital
• You see a clear path to repayment within about 12 to 18 months

If that describes your situation, a brief conversation with Noble Funding can clarify whether cash flow based lending is the right tool and what structure could best support your growth.

Take the next step

To explore cash flow based lending for your business:

• Call Noble Funding at 1-800-916-3196, or
• Visit the Get An Instant Quote form on noblebusinessloans.com to share a few details about your company and capital needs

A short discussion can be the difference between turning down an opportunity because of timing and securing the flexible cash flow based capital your growth deserves.