Asset based lending and loans are a form of commercial credit and these business financial services are offered by Capital Funding Solutions to companies throughout Florida and the United States

Asset Based Loans

Working capital financing . . .  even when your bank says No.
Many times, companies that require asset-based financing have the assets to obtain traditional financing, but are too leveraged to qualify.

Asset-based lending is typically "secured" financing, which means there are assets within a business to be used as collateral such as
  Accounts Receivables
  Machinery and equipment
  Real Estate (land or buildings)

The benefit of asset-based lending is usually far greater borrowing power than can be achieved from a traditional "cash flow" based banking approach.

Typical borrowers
Manufacturers, Wholesalers, Distributors, Dealers, Retailers and Service businesses with $1 million to $100 million in annual sales or total assets of $500,000 minimum

Typical Range of advances based on assets





Real Estate:

Personal Collateral:

Up to 90% advance on eligible A/R

Usually 60% of material costs plus labor

Raw materials       10 - 60%
Work in progress   10 - 60%
Finished goods      25 - 65%

60 - 75% liquidation / 80% purchase price

70 - 75% of Appraised Value less mortgage

Will be considered if needed

Asset based loans are made on a formula basis on assets. Eligible companies will need to demonstrate 
   A reasonably professional management 
   Good bookkeeping
   A product and business model that makes sense
   Willingness to have assets audited

Who benefits from Asset-based lending?
  Companies experiencing rapid growth
  Highly leveraged companies
  Companies with a short operating history
  Turnaround situations
  Companies with negative cash flow
  Companies with past losses

Six months to 3 years.  It is practically impossible to give rates without an evaluation of the company's risk level, loan amount, and assets used.  It will be based on the Prime Rate plus a percentage dependent on the above factors.

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Asset based loans, cash flow funding and working capital financing programs are offered to small and medium businesses in Clearwater Orlando Miami Ft. Lauderdale Tampa and St. Petersburg Florida

Capital Funding Solutions


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