REFERRAL PARTNER SERIES Intercreditor Agreements: Making Room for Multiple Sources of Capital Two lenders, one collateral pool: the intercreditor agreement makes room for both. Two lenders, one borrower, one pool of collateral. Before either of them funds, somebody has to decide who gets paid first, who waits, and who controls enforcement. That decision lives in...
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...
Manufacturing Finance Inventory Lines of Credit and Work-in-Process (WIP) Financing: A Guide for U.S. Manufacturers A practical guide for manufacturers and product businesses on how inventory lines of credit and work-in-process (WIP) financing work, why they are harder to secure than they should be, and how to structure capital that actually frees the cash trapped...
The Gap Above the Borrowing Base: Funding What a Factoring Facility Structurally Cannot For Factoring Partners Your best client just got capped. Not because the credit turned, but because the formula did its job. Here is the arithmetic behind the gap that opens above a factoring facility, why it widens exactly when a client is...
Digital Media Financing in 2026: Invoice Factoring vs. Stretch Finance (and When to Use Both) Two ways to turn revenue into working capital, and the one question that tells you which you actually need. Most digital media operators go looking for digital media financing at one of two moments. The first is when the work...
