Lines of Credit

Overview

Most businesses do not have a profitability problem; they have a timing problem. Payroll is due before the receivable lands. Inventory has to be bought before the season starts.

A properly sized line of credit absorbs that timing gap. We size the facility to your real working-capital cycle and place it with lenders who understand your industry, so the line is there when you actually need it.

What it covers

• Payroll and operating expenses between receivables
• Inventory and seasonal builds
• Taking supplier discounts with early payment
• Backstop for unexpected opportunities

A strong fit if

• Revenue is solid but lumpy across the month or season
• You are financing growth on credit cards or expensive short-term debt
• You want capacity in place before you need it