Working Capital Funding Sources | Working Capital Loans for Business with Bad Credit | Large Amount Working Capital Loans | Working Capital Loans for Large Companies

Working Capital Financing Working capital is a financial resource that represents operating liquidity available to a business. Working capital is considered a part of operating capital, along with fixed assets such as plant and equipment. Net working capital is calculated as current assets minus current liabilities. If your entity’s net working capital calculation is negative, your entity has a working capital deficiency, also called a working capital deficit. Universal Business Structured Solution may be able to help your business identify working capital funding sources so your entity may continue to flourish. Positive working capital is required to ensure that a company is able to successfully continue its operations. It also enables a company to maintain sufficient cash flow so it may continue to satisfy short-term debt payments as well as manage upcoming operational expenses. The management of the working capital is very important for any business and involves managing inventories, accounts receivable and payable, and cash. UB Solution may be able engineer a working capital for your business, even if you have bad credit. Cash Advance, or Merchant Cash Advance A merchant cash advance is an advance of money given to you and paid out on your future credit card receipts. Your company pays the advance back over time as your credit card sales come in. This kind of financing can be approved even if the business has a bad credit or a bankruptcy. Debt Financing There is a diverse array of debt financing available, even as large amount working capital loans for businesses with poor credit. Some forms of debt financing are riskier than others and require greater collateral. • Assets Based Loans - Loans secured by Inventory, Equipment and Accounts Receivable. Asset-based loans are possible on a stand-alone item or any combination of the above. • Accounts Receivable Financing - The maximum loan amount is tied to a percentage of the borrower's accounts receivable. • Purchase Order Financing - Advance against finalized Purchase Orders • Term Loan - The loan amount is tied to collateral value and can be fully amortized or structured as a balloon loan. • Bridge Financing - Bridge financing is riskier and therefore more expensive for borrowers to secure. We may be able to engineer bridge financing when the company is not qualified for more conventional financing but has an exit strategy to take out the bridge. • Mezzanine Financing - Mezzanine loans enter the picture when a senior debt’s resources become exhausted. It is basically debt capital that takes a junior position to a senior debt, has higher interest rate and sometimes gives lenders rights to convert to an ownership or equity interest in the company. Equity Investment and Joint Venture Partnerships Equity Investment is much riskier to a capital provider than debt and therefore will require a higher Internal Rate of Return (IRR). The company must be prepared to provide financial models with all supporting documentation in order for a potential investor to evaluate the viability of the proposed equity investment.