A/R Financing Qualifications

Accounts Receivable Financing is ideal for a wide range of industries — including manufacturing, service businesses, and distribution companies — and can be used for:

  • Acquisitions
  • Capital growth or expansions
  • Recapitalizations
  • Debtor-in-possession financing
  • Turn-around financing
  • Full accounts-receivable services, including verifications; full daily, weekly, and monthly reports with agings; lockbox services; and daily collection services.

Transaction sizes range from:

  • Accounts-receivable lines up to $20,000,000
  • Minimum loan size: $100,000

Typical borrower characteristics include:

  • Minimum revenues of $600,000
  • Strong management teams
  • Committed ownership
  • Accounts-receivable transactions with stable cash flows from service, distribution and manufacturing companies
  • Asset-based transactions that focus on the quality and value of assets

Terms and structures include:

  • Revolving lines of credit
  • Fixed- or variable-rate senior term loans
  • Bank rates of interest
  • Long- and short-term contracts
  • Participation with other lenders


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This Guide includes information on business financing options and how to decide which is best for your business.

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