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Financial Services 

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Our Financing Program Products

Products

Purchase Finance Program (PFP)


Description: PFP is a financing solution that helps businesses procure goods or equipment on more favorable terms than offered by the client’s supplier. The PFP financing does not interfere with the client’s existing financing. Target Client: Clients typically tap into this financial solution when they need more working capital to support growth, or to take advantage of time-limited offers such as a bulk sale through their supplier network. Annual revenues of $500,000 to over $25 million. Facility Size: Minimum transaction size of $100,000.




Factoring


Description: Factoring is a business financing solution which turns accounts receivables into immediate cash, reducing 30-day terms to just 1 or 2 days. This payment provides liquidity to the client. Target Client: Small to mid-size businesses that have cash flow problems because they cannot wait the usual 30 to 90 days for customers to pay invoices. Annual revenues of $500,000 to over $10 million. Facility Size: Typical size of line from $20,000 to over $2 million.




Purchase Order Finance (PO)


Description: Purchase order financing is used to fund the production or importation of finished goods or value-added products by a third-party manufacturer. The products must be pre-sold, and the manufacturer can be domestic or foreign. Target Client: Small to mid-size companies with large purchase orders. Annual revenues of $500,000 to $25 million. Facility Size: Minimum volume of $200,000 annually.




Asset Based Lending (ABL)


Description: ABL is a form of commercial financing where a client’s collateral such as accounts receivable, inventory or equipment determines the amount of the borrowing base and the amount of financing available to the client under the ABL line. Target Client: Small to mid-size businesses that do not qualify for bank lines or are growing too fast for a bank line to be adequate to fund their growth. Annual revenues from $2 million to over $25 million. Facility Size: Typical size of line from $1 million to $5 million.




Export Financing


Description: Export financing is the use of either Factoring or ABL to provide working capital for a client’s export sales to foreign customers. Many banks and finance companies will not provide financing for sales to foreign customers, but Liquid Capital offers financing for export sales. Target Client: Clients that export goods/services to foreign corporations and wish to protect themselves against the risk of default of their clients. Annual revenues of $2 million to over $25 million. Facility Size: Typical size of line from $50,000 to $5 million.




Working Capital Advance


Description: Cash advances are provided based on the expected future revenues of a business in light of recent past performance. The advance is unsecured and is typically payable over a six to twelve month period. Target Client: Small businesses that may lack adequate capital during the early stages of opening their business. Annual revenues of $500,000 to over $5 million. Facility Size: Typical advance from $20,000 to $500,000.




Top Up Financing


Description: Top Up Financing is a highly-flexible financing option that provides a lump sum advance based on the reserve amount of your A/R—a number that can amount to between 75% and 100% of one month’s revenue. This solution is only available to existing A/R factoring customers. Target Client: Small business that requires capital to fund a time sensitive business opportunity but don’t have any new invoices in the pipeline to qualify for additional factoring. Facility Size: Typical advances range between 75% to 100% of one month’s revenue.