Capital Source Funds 18 Deals Totaling $2.9 Million in September 2025 Chicago, October 10, 2025 — Capital Source, through its Private Credit Division, has announced the successful funding of 18 transactions totaling $2.9 million across North America for September 2025. These deals reflect the firm’s ongoing commitment to providing flexible financing solutions that empower small and mid-sized businesses to grow, modernize operations, and strengthen their foundations. Supporting Growth Across Multiple Sectors Capital Source continues to serve a wide range of industries, providing strategic funding to support business growth and expansion across North America. Industry Location Amount Funded Food & Beverage...

Smart Financing Boosts Your Working Capital Cycle Beyond APR Key Takeaways APR Isn’t Everything: It overlooks timing, opportunity costs, and the strength of your working capital cycle. Borrowing for Growth: Every dollar financed should fuel your working capital cycle, boosting net working capital by 20–30% through faster cash conversion. Opportunity Costs Hurt: Delays from slow funding can cost $500K+ in missed margins. EBITDA ≠ Cash Flow: Account for interest, taxes, and working capital needs. Fast Financing Wins: Speed creates value. Invoice factoring or bridge loans deliver rapid liquidity that keeps your cycle moving. Capital Source’s Edge: We calculate true cost—not...

🎧 Listen to the Expert Dialogue: Financial Leverage – The Debt to Assets Ratio Demystified Key Points The debt to assets ratio reveals how much of a business’s assets are debt-financed. High ratios (0.7+) increase vulnerability — especially if slow SBA funding forces reliance on interim debt. Delays can drive missed opportunities (e.g., $300K+ lost sales) and inflate liabilities. APR alone is misleading; true cost = interest + opportunity loss – cycle gain. Capital Source connects leverage ratios with true cost analysis to balance risk and growth. Introduction Imagine chasing a low-APR SBA loan, only to miss $300K in seasonal...

Strategic Borrowing – Turning Debt into a Growth Engine Key Points Debt should accelerate cash flow; DSCR measures true debt capacity. The working capital cycle (DIO + DSO – DPO) drives liquidity; shorter cycles support more debt. Speed of capital often outweighs cost of capital — SBA’s low APR can arrive too late, while fast funding preserves margin. Sequence capital: equity, asset sell-down, ABL, or factoring before waiting on SBA. Capital Source evaluates both debt cost and opportunity cost, showing which option delivers real profit. Introduction Business owners often fixate on interest rates. On paper, an SBA loan at 11.5%...

Market Updates: Capital Policy Shifts & Business Growth Access to capital is never static. Shifts in government policy, SBA rules, interest rates, and lender practices can change the availability of funding overnight. For business owners, staying ahead of these shifts isn’t just smart — it’s the difference between capturing growth and missing opportunities. At Capital Source, we track these changes closely and translate them into actionable insights for businesses. SBA Policy Updates in 2025 The SBA’s SOP 50 10 8 rules (effective June 1, 2025) mark the biggest shift in years. These include: Stricter underwriting and collateral requirements. Higher equity injections. Elimination of MCA...