Commercial real estate financing encompasses diverse methods and tools essential for funding the acquisition, development, and operations of high-value properties. These include office buildings, retail centers, industrial facilities, apartment complexes, hotels, and other income-generating assets.
Businesses can quickly obtain cash from their outstanding invoices through a method known as invoice factoring or accounts receivable loans. Here is a description of the typical procedure:
Traditional bank loans are common in commercial real estate finance, especially for properties exceeding $100 million. Banks offer fixed and variable interest rate loans, requiring substantial documentation and a strong credit history. Sophisticated investors prefer these loans for their reliability and structured repayment plans.
CMBS are a popular choice among seasoned investors for large-scale projects. These loans are pooled together, securitized, and sold to investors, offering flexible terms and competitive rates. They are ideal for sophisticated investors seeking to leverage their investment in commercial properties.
Private equity financing involves raising capital through private investors or investment firms. This type of financing is well-suited for multi-million dollar ventures, providing significant funds without the stringent requirements of traditional loans. Expert investors use this method to acquire and develop high-value properties.
REITs are companies that own, operate, or finance income-producing real estate. They allow investors to pool resources and invest in large commercial properties, diversifying their portfolio. Sophisticated investors often use REITs to gain access to high-value assets and steady income streams.
Bridge loans are short-term financing solutions for immediate needs, ideal for properties undergoing transition or improvement. These loans are high-interest and require quick repayment, but they offer quick access to capital. Expert investors use bridge loans to capitalize on time-sensitive opportunities in high-value real estate.
Hard money loans are provided by private lenders based on the property's value rather than the borrower's creditworthiness. These loans are suitable for multi-million dollar deals that need quick financing. Sophisticated investors utilize hard money loans for rapid acquisitions or developments requiring fast turnaround times.
JV partnerships involve two or more parties combining resources for a significant real estate project. This type of financing allows investors to share risks and rewards, making it a favored approach for high-value investments. Experienced investors enter JV partnerships to tackle large, complex projects without shouldering the entire financial burden.
We work with businesses across various stages of growth and financial situations. Whether navigating rapid expansion, managing debt restructuring, or overcoming operational challenges, our solutions are designed to provide flexible capital when it is needed most.
Our services are available nationwide, supporting companies across the United States with tailored financing solutions.
We offer financing facilities ranging from $1 million to over $50+ million, structured to meet the unique cash flow needs of businesses.
Receive competitive advance rates tailored to your industry, client base, and transaction structure. Our flexible approach allows rates typically ranging from 0.75% to 1.50%, based on your business profile.
Financing is secured against valid business-to-business invoices. Invoices must represent completed services or delivered products to qualified customers.
Our rates are structured to be competitive within the industry. Pricing is based on variables such as your company’s annual sales volume, average invoice size, payment terms extended to your customers, and the overall credit quality of your customer base.
Cash Flow is essential for sustainability of large capital businesses. By receiving immediate cash against outstanding invoices, companies can bridge the gap between invoicing and actual receipt of payment. This helps meet operational expenses, invest in growth opportunities, or cover unforeseen costs.
It provides businesses with better control over their working capital by converting factoring accounts receivable into cash, allowing them to manage their finances more efficiently.
Accounts receivable financing is not considered a loan similar to a line of credits where monthly repayment with interest is involved. Instead, it uses the invoices as collateral, reducing the need for traditional borrowing. The company's creditworthiness is also less critical compared to other financing options.
By outsourcing the collections process to the financing provider, businesses can save time and resources that would otherwise be spent on chasing payments. This allows businesses to focus on expansion and core operations, which ultimately contributes to their overall success.
Partner with a team that understands your business needs, delivers tailored financial solutions, accelerates access to capital, and supports your growth with our expert guidance and long-term commitment.
Steady cash flow is the foundation of every successful business. Our team brings specialized financial knowledge and industry experience to help convert outstanding invoices and receivables into reliable working capital. This ensures operations remain well-funded, supporting both immediate obligations and long-term growth strategies, even during market fluctuations.
Every business operates on its own timeline and faces unique challenges. We provide customized financing structures designed around your billing cycles, client payment patterns, and industry-specific demands. Whether navigating seasonal shifts, complex supply chains, or evolving customer needs, our flexible solutions adapt to your operations, helping you maintain financial stability and efficiency.
Timing is everything in today’s fast-paced markets. That is why we streamline access to working capital, enabling your business to respond quickly to new opportunities, manage unexpected expenses, or bridge short-term funding gaps. With a simplified process and fast turnaround, you can act decisively and maintain a competitive edge without unnecessary delays.
Our involvement goes well beyond funding. A dedicated team manages the entire financing process, including collections, credit checks, and documentation. This reduces the administrative burden on your internal staff, allowing them to focus on core business activities while ensuring that financial processes remain smooth, compliant, and efficient.
We build long-term relationships designed to evolve with your business. As your company grows, enters new markets, or adjusts to industry shifts, we remain a proactive partner, continuously refining financing strategies to match changing needs. This commitment ensures you always have a reliable financial resource to support your ongoing success.
Unpaid invoices shouldn’t hold your business back. Our accounts receivable financing solutions provide timely access to capital, helping you manage expenses, support operations, and move forward with confidence.
Contact us
Staffing companies use receivables financing to maintain payroll, cover operational costs, and scale recruitment efforts while waiting for client payments, ensuring consistent cash flow and uninterrupted workforce management.
Transportation companies leverage receivables financing to manage fuel costs, vehicle maintenance, and driver payroll. This provides working capital without debt, helping businesses operate efficiently despite long payment cycles.
Construction firms rely on invoice financing to bridge payment gaps between project milestones. It provides steady cash flow to manage labor, equipment, and material expenses without delaying project timelines.
Government contractors use receivables financing to fund operations while awaiting government payments. This ensures they can manage payroll, cover expenses, and fulfill contract obligations without financial strain or delays.
Manufacturers utilize receivables financing to maintain production schedules, purchase raw materials, and cover operational costs while managing extended payment terms from buyers and maintaining strong supplier relationships.
Logistics companies use invoice financing to cover transportation costs, warehouse fees, and payroll. This ensures seamless operations and service delivery, even when client payments are delayed by lengthy terms.
Healthcare providers use receivables financing to manage cash flow disrupted by delayed insurance reimbursements. It helps cover payroll, purchase medical supplies, and maintain patient care without waiting on payments.
Business service firms leverage invoice financing to stabilize cash flow, allowing them to meet payroll, invest in growth, and manage day-to-day expenses while clients settle invoices on extended terms.
Technology firms use receivables financing to manage cash flow during long project cycles and delayed client payments. It helps fund payroll, software development, and infrastructure costs while waiting for revenue.
Oil and gas service companies use receivables financing to cover payroll, field operations, and equipment costs. It provides the liquidity needed to manage large projects and navigate industry payment cycles.
We partner with businesses that face dynamic financial demands and require flexible, dependable funding solutions. Here are common situations where our clients turn to us
Businesses scaling quickly often outpace their available cash flow. Our financing helps bridge the gap between growing sales and incoming payments.
Companies with cyclical or seasonal revenue patterns benefit from consistent cash flow to maintain operations during slower periods.
Slow-paying customers can strain working capital. We provide access to funds so you are not dependent on unpredictable payment cycles.
Importers often face upfront supplier payments. Our solutions help finance these obligations without disrupting overall cash flow.
Some opportunities or challenges require immediate access to capital. We can structure funding to be delivered within 3 to 5 business days.
When traditional lines of credit are reduced or unavailable, our financing offers an alternative to maintain liquidity and business continuity.
Exporters with extended payment terms can access capital against their receivables, improving cash flow while continuing to serve international markets.
Companies fulfilling large or unexpected orders often need upfront funding for production and delivery. We help secure this capital to meet demand confidently.
The two primary types are factoring and accounts receivable lending. Factoring involves selling your receivables to a third party (the factor) at a discount, while receivables lending uses invoices as collateral to secure a loan or line of credit.
In AR financing, you retain ownership of the receivables and borrow against them. In factoring, you sell the receivables outright to a financing company. Factoring often includes additional services like collections and credit checks, while AR financing typically offers more control but may require stronger credit.
Yes, financing receivables are generally considered a current asset if they are expected to be collected within one year. If repayment extends beyond one year, they may be classified as non-current on the balance sheet.
Receivables financing is based on the value of your outstanding invoices, not your credit history or fixed assets. It provides more flexibility and faster access to working capital, while traditional loans often require lengthy approval processes, collateral, and fixed repayment schedules.
Accounts receivable financing is not a traditional loan. Instead of borrowing based on your credit history or assets, you receive funding by leveraging your unpaid invoices. This allows you to convert receivables into working capital without waiting 30, 60, or 90 days for customers to pay. Unlike a loan, it doesn’t add long-term debt to your balance sheet or require extensive collateral.
Rates typically range from 0.75% to 1.5%, depending on the quality of your accounts receivable. Factors like your industry, client credit profiles, invoice volume, and payment history are all considered. Our team evaluates your receivables to provide a tailored rate that aligns with your business and transaction structure.
You can usually receive 85% to 90% of the total value of your eligible accounts receivable as an advance. This gives you fast access to cash tied up in invoices, helping you manage payroll, buy inventory, or cover operational expenses. The remaining balance is released after the customer pays, minus applicable fees.
Fees generally range between 0.75% and 1.5% of the invoice value. The exact cost depends on factors like the reliability of your customer base, volume of receivables, industry risk, and structure of your financing. We offer transparent pricing with no hidden charges, so you always know the cost of capital upfront.
This depends on whether your accounts receivable financing agreement is recourse or non-recourse: