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Get Cash Quickly

Sometimes, your business doesn’t have time to wait weeks or months for a traditional bank to process your loan. We get it. Your firm needs critical funds to take advantage of today’s market opportunities, and our team can help facilitate that.

Working Capital

Obtain funds that you can use in any part of your business, repayable at a later date.

Hard Money Loans

Utilize your firm’s existing assets to secure funding for a wide range of expenses.

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Factoring

Sell your accounts receivable ledger to a trusted third party, instead of waiting on clients to pay their invoices.

Sale-Leaseback

Continue using your current equipment and assets while receiving a lump sum for them.

Financing Details

Working Capital

With a working capital loan, you can obtain funds for a broad range of business uses. An increase in your working capital can allow you to hire new personnel, launch a marketing campaign, order supplies, or update your office in the way you want. Factoring, SBA 7(a) loans, business lines of credit, and refinancing are all valid ways to quickly boost your working capital.

We are here to help you select the best option and navigate the application process.
Along the way, we are happy to answer any questions you may have with clear, easy-to-understand answers.

Hard Money Loans

Do you find yourself to be asset-rich but cash-poor? With a hard money loan, you can boost your liquidity by leveraging valuable assets like real estate and heavy equipment. Take advantage of fast application turnaround times to quickly finance a variety of business expenses.

Additionally, since a hard money loan uses the value of your business assets as security on the loan, you can qualify for funding, even if your credit score isn’t great.

Factoring

Are you having trouble meeting day-to-day obligations because you’re waiting on client payments? Most industry standards give clients 30, 60, or even 90 days to satisfy their invoices. Factoring lets you get advance cash on what your clients owe by selling your ledger of incoming funds to a trusted third party.

When the client is ready, they will send payment to the factoring firm instead of you. The factor charges your firm a small fee and forwards any excess funds back to you. If you have invoices, purchase orders, or contracts, factoring can help you quickly get capital to take care of supplies, inventory, and wages

Sale-Leaseback

Do you want to boost your cash position, but lack real-estate assets? If your business uses construction, computing, or industrial equipment, you can sell those assets to a lessor. The equipment, however, will stay where it is while you continue to use it.

The lessor will give you a lump sum for the value of the equipment upfront, and you will send small monthly payments in return. At the end of the lease, you may renew, repurchase or hand over the equipment. Commercial ovens, printing presses, high-tech software, and vehicles are just a few examples of equipment that qualifies for this kind of financing.

Get Cash Quickly

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Advantages Of Working Capital

Financing your working capital is a smart tactic that gives you access to multiple benefits. With our help, you can:

Get your loan approved quickly

Avoid dealing with low credit scores

Improve your daily cash flow

Use funds for a broad range of expenses

F.A.Q.’s

Do I have enough working capital?
Although a business might be wealthy in assets, it can still fail if it doesn’t have enough liquid funds. The funds your business uses to pay utilities, rent, payroll, and purchase materials represent your working capital. To find out if you have enough working capital, divide your firm’s liquid assets for the year by your expenses for the same year. The result is your working capital ratio. In most industries, a ratio between 1.5 and 2.0 is considered optimal.
When is Working Capital financing not a good fit?
Our working capital financing options are usually short-term and are more appropriate for daily operations. A specialized loan may be a better tool if you need to acquire real estate, equipment, or other major assets. Additionally, if you can wait on a longer application process, long-term financing may help you secure lower interest rates.
What is the minimum credit score required to qualify for a hard money loan?
Since hard money loans are asset-based, lenders don’t focus on credit scores to make a decision. The value of the asset is the determining factor in your company’s application.
Will a factor impact my client relationships?
While not all factors interact with your clients in the same way, most clients won’t notice when you use a factor. In most situations, a simple notice of where to send payment is the only contact the client receives.

Working Capital

Get Started Today

Here’s how to get started:

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Fill out a Short Questionnaire

Your answers will help us get a good idea of where you want to go with your business. Whether you’re dealing with strained resources, leasing issues, or high-cost markets, we can help you secure the funds you need.
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Speak with One of our Brokers

After reviewing the questionnaire, we’ll talk with you and go deeper into the details of your financial situation. Once we understand what you truly need, we’ll hunt down the best offers for you, and arrange a discussion to present our findings.
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Recieve Customized Financing

We will work with you to answer all of your questions. Once you are satisfied and ready, we will help you with an official funding application process.

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Enjoy Continued Support

We understand that some forms of financing are complex, and may require advice beyond the initial application.  Our team of professionals stands ready to help you along every step of the way.

OUR ADDRESS

625 Kenmoor Ave SE Suite 301
Grand Rapids, Michigan 49546

PHONE NUMBER

616-229-4548

SUPPORT MAIL

info@criticalfundinggroup.com
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