Get funds backed by assets or future cash flow – that fit anywhere in your capital stack.
Every business is built differently, so we finance them differently. Most clients start with Asset-Based Financing, our core solution, which turns receivables, inventory, and purchase orders into working capital. When those assets are already pledged to another lender – or the business runs asset-light – Sales-Based Financing unlocks capital against revenue instead. Explore both below to find your fit.
Your balance sheet may already hold the capital you need. We turn short-term assets – accounts receivable, purchase orders, and inventory – into flexible, low-cost financing, including
All solutions are designed to help accelerate cash flow revolving around short-term assets. Already working with a lender? We can often add a subordinated debt facility behind them or refinance the relationship entirely. Whatever your setup, we structure the best-fit option you qualify for.
When your assets are already pledged to a senior lender – or your business runs asset-light – you can still raise capital against your revenue. Sales-Based Financing looks at your sales history, cash flow, and profitability instead of your balance sheet assets, advancing funds against future sales.
Sales-based financing options include:
Under many of these structures, you only pay as you collect from customers, since repayment is often tied to receipts.
Government-backed financing designed to help businesses access affordable, long-term capital. Whether you’re financing working capital through an SBA 7(a) loan, purchasing owner-occupied real estate or equipment with an SBA 504 loan, or raising growth capital through an SBIC-backed investment, Capital Desk helps identify the right program and guides you through the process from application to closing.
SBA financing options include:
We serve clients nationwide, and have delivered capital to 48 States, Puerto Rico, and Canada.
Since September, 2023, we’ve deployed $150M+ to clients across an array of industries.
If you have A/R, POs or inventory, then you may qualify for asset based financing. If you don’t maintain any of those assets, or your A/R is is low credit quality, then sales based financing may be a more viable path. There are nuances however. If you have an asset based solution in place already, then we can explore either refinancing that same position, or sourcing you additional capital in the form of sales based financing. There are also many other factors to consider. Even if you did qualify for asset based financing, you may not want to enter into a long-term partnership. In which case, using sales based financing as a “bridge” is probably a better solution, despite being more expensive. The objective of our first discovery call is to identify potential viable paths for the business.
They are alike in that they require less documentation and history than a bank would. Generally, most solutions we offer do not require a personal guarantee. But the use cases are very different.
Asset based solutions are generally more secured, and therefore cheaper. They also tend to “revolve” in your business since these solutions leverage short-term assets like A/R, POs, and inventory. Asset based solutions are rarely a one-time transaction. Instead, you set yourself up for a “facility” to “revolve” on as you grow – drawing on capital to fund inventory, vendors, and general working capital. Sales based financing can be structured for the long-term, but there are no obligations to maintain funding. You can simply secure capital once, pay it off, and be done with it.
For the most part, no. Certain line of credit deals almost always require them, but these are only available to profitable companies with $3M+ in sales.