Interest-rate planning The Fed Raised Rates: Stress-Test Your Floating-Rate Business Debt for 2027 The Federal Reserve raised its target rate by 25 basis points on September 16, 2026. If your business carries a floating-rate revolver, asset-based facility, or variable-rate term loan, the useful response is not to predict the next meeting. It is to calculate what each reset does to cash flow and debt-service coverage before the 2027 budget is locked. Four scenarios, one debt schedule: current terms and 25-, 50-, and 100-basis-point increases belong in the 2027 cash forecast before management makes a refinancing decision. A quarter-point move sounds...
Customer Concentration: How One Big Customer Can Shrink Your Credit Line
Customer Concentration: How One Big Customer Can Shrink Your Credit Line Landing a customer that grows into 40% of your revenue feels like the best year you have ever had. To a lender it can read as single-party risk, and it can quietly shrink the credit you qualify for. Here is the arithmetic, in plain English. There is a paradox that catches good operators off guard: your best sales year can reduce your borrowing capacity. You land an anchor account, revenue climbs, margins hold, and then the renewal on your line of credit comes back smaller than you expected. Nothing...
August 2026 Industries Served List
Press release · August 2026 funding activity August 2026 Industries Served List Twelve fundings in August. Eleven businesses. One of them signed for two term loans on the same day, and the relationship behind that structure is what made the month worth writing about. Professional services and consulting led August at $2,150,000 across three fundings. The rest of the month reached three manufacturers, two wholesalers, a data infrastructure operator, a builder, a trucker, and a retailer. Chicago, September 8, 2026. Capital Source®, through its Private Credit Division, closed 12 transactions totaling $3,856,623 in August 2026, financing operators across the United...
The 13-Week Cash Flow Forecast: How to Build One (and What a Lender Reads in It)
The 13-Week Cash Flow Forecast: How to Build One (and What a Lender Reads in It) Your bank balance tells you where you are. It does not tell you whether payroll clears in week seven. The 13-week forecast is the one tool built to answer that question, and it is the document a lender asks for when liquidity gets tight. A quarter can finish healthy and still contain a week that does not clear. Thirteen weekly columns put that week on a date; a monthly statement averages it out of view. Illustrative shape, not a forecast of any business. Most...
Financing a 3PL: Working Capital for Warehousing and Fulfillment Operators
Financing a 3PL: Working Capital for Warehousing and Fulfillment Operators Imagine every pallet in this picture belongs to somebody else. Most lenders will advance against two things only: the receivables those clients generate, and the equipment the operator owns outright. That is why the conversation starts with what you own, not what you handle. Your building is full of inventory and almost none of it is yours. That one fact decides what you can borrow against, and most financing conversations get it wrong in the first ten minutes. Here is something nobody tells 3PL operators until it has already cost...