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...
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...
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...
Manufacturing Finance 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 on your shop floor. Ask a manufacturing CFO where the company’s cash is,...
Financing a Sales Team: Revenue-Based, Term Loan, or Line of Credit? A sales rep costs cash from the first payroll run and contributes cash months later. How you fund that gap matters more than most owners expect, because the three products owners reach for repay in three very different shapes. You have two or three...
