Wholesale distributors and importers use inventory financing to fund $1M+ in seasonal stock, container buys, and demand surges. How the borrowing base works....

A dividend recap lets profitable mid-market owners pull equity from a business they keep running. How the structure works and when it makes sense....

Owner-occupied commercial mortgages let growing companies buy or refinance their facility. Here is how mid-market borrowers structure these deals....

Working capital for manufacturers funds the operating cycle before customer cash arrives: raw materials, supplier deposits, production labor, inventory, freight, and receivables. For established manufacturers, the most scalable structures often use A/R, inventory, confirmed orders, and cash flow rat...

When applying for a $1 million-plus business loan, prepare current financial statements, tax returns, A/R and A/P aging, a debt schedule, bank statements, and a specific use-of-funds. Alternative lenders can move very quickly, but only when the borrower presents a complete and consistent package. Th...

The choice between factoring vs. an A/R line for staffing companies usually changes as the agency matures and revenues rise. Factoring can provide fast payroll liquidity and back-office support when an agency is smaller or has limited financial reporting. An A/R line may become a better fit when the...

When a bank asks your company to find a new lender, confirm the deadline, keep every reporting obligation current, build a 13-week cash flow forecast, and begin a replacement financing process immediately. Your company may qualify for asset-based lending, A/R financing, cash flow debt, junior capita...

To understand how to fund a partner buyout, begin with the company's post-closing cash needs. The remaining owners or the company typically combine senior debt, seller financing, buyer equity, and sometimes junior capital. The structure should pay the departing owner while leaving enough cash and cr...

The most practical way to finance a business acquisition above $1 million is usually to combine multiple sources of capital. A senior lender may fund the lowest-risk portion, the seller may carry a note, the buyer contributes equity, and junior or bridge capital fills the remaining gap. That combina...

Independent retail pharmacies and specialty pharmacies operate in one of the most working-capital-intensive corners of the healthcare economy. Working capital for independent pharmacies is rarely a single-product problem — a typical mid-market operator has to fund wholesaler payments long before P...