Alternative Capital Solutions

What is Working Capital Finance?

• Working capital finance is a commercial loan for any business needing a cash injection to maintain its daily operations.
• There are multiple options to secure fast working capital finance through non-bank alternative cash flow loans.
• Working Capital is sometimes required to set up operations, purchase equipment and supplies to generate an income.
• Leverage the required asset via capital finance such as Hire Purchase, Chattel Mortgage or a Finance Lease.
• Working capital finance solutions should include both short and long term strategies to navigate the cash flow highs and lows while driving sales.
• Understanding how and when to use working capital ratio through debt or equity is important for business survive.

Having a poor credit history, bad debt, a failing business, a bad business plan, too much debt, a business perceived as too risky, a small business turnover, or being too new can all be reasons why a bank may decline your loan application. At Accrutus Capital, we understand the importance of a strong track record, good credit history, detailed business plan, manageable debt levels, and industry stability in securing a successful loan approval. Let us help you navigate these challenges and position your business for financial success.

5 Key Benefits of Alternative Business Loans:

1. Access short-term loans with flexible terms ranging from 3 to 60 months, some even offering Line of Credit facilities.
2. Fast pre-approval within days if all required information is provided. Electronic processing to enable settlement possible 1-2 weeks.
   2. Approval decisions take into account sector analysis, credit score, time trading, and turnover, making it easier for business owners to qualify.
   3. Enjoy the advantage of obtaining an unsecured business loan, ideal for new business owners without collateral.
   4. While interest rates may be higher than traditional bank loans, we partner with alternative lenders who assess your current and future cash flows to balance risk.