Working capital is your business’s investment in short-term assets needed to operate over a normal business cycle. A business’s cash needs relate primarily to accounts receivable, inventory, and other items that may be listed as current assets on the balance sheet. Working capital financing is how a business finances its current assets. Often there is a cash need to finance activities that do not involve assets measured on the balance sheet. Some examples are as follows:
- Product Redesign
- Employee Expansion
- Licenses
- Insurance
- Security Deposits
- Real Estate Improvements
- Non-Financed Capital Expenditures
- Acquisition
Cembrus Working Capital Structures:
- Factoring
- Accounts Receivable Loans
- Inventory Loans
- Term Loans
- Line’s of Credit
- SBA 7A working capital loan program available
Transaction Criteria
Cembrus provides Working Capital financing and evaluation of your current working capital needs. Our typical transaction meets the following criteria:
- 1MM- 10MM Funded line for Lower Middle Market
- 10MM- 50MM Funded line or line availability for Upper Middle Market
- Receivables- Advance rates to 85% of eligible receivables
- Inventory advance to 60%
Working capital investment is the lifeblood of any company. Call Cembrus today to discuss your working capital solutions. 949.797.9185
