EVERY BUSINESS IS UNIQUE.
SHOULDN'T ITS FINANCING BE, TOO?

THROW THE COOKIE CUTTER OUT THE WINDOW.

With a consultative approach, we get to know each client and their business before we make financing recommendations. That way, we know which products will best meet their needs — not simply help us hit some organizational quota. Each client has their own goals and we design flexible, high-quality working capital financing solutions tailored to meet those goals.

SOLUTIONS FOR SUCCESS:

We offer a variety of working capital financing solutions and have the flexibility to structure them to meet each client’s needs.

Invoice Financing

Invoice Financing

Cover gaps in cash flow by accessing capital tied up in unpaid invoices. It’s a risk-free option for meeting payroll, paying vendors, and reinvesting in operations and growth.

  • Credit facilities up to $50,000,000
  • Advance Rates up to 90%
  • Full-service accounts receivable management and support
Asset Based Lines of Credit

Asset Based Lines of Credit

Access working capital to help cover today’s expenses and fuel tomorrow’s growth. It’s a flexible asset-based financing solution tailored to fit small-business needs and opportunities.

  • Credit Facilities from $500,000 to $50,000,000
  • Advance Rates up to 90% (A/R) and 75% (Inventory)
  • Custom reporting to help cash flow management
Term Loans

Term Loans

Close the gap in seasonal cash flow when receivables and inventory financing aren’t quite enough. This bridge loan option offers fixed-terms and fixed-payments to help business owners avoid surprises and balloon payments.

  • Loans up to $500,000
  • Repayment terms up to 24 months
  • Available to Invoice Financing or ABL client relationships
Complementary Financing Solutions

Complementary Financing Solutions

Meet small business financial needs with specialized solutions commonly restricted by traditional banks. Our carefully selected specialty partners enable us to structure long-term, flexible working capital solutions designed to evolve as small business needs change.

  • Purchase Order
  • International A/R
  • Healthcare A/R
  • Inventory (outside of ACS guidelines)
  • Commercial Real Estate
  • Equipment
  • And more

DO BETTER TOGETHER. 

Our process focuses on clarity and collaboration to ensure our clients get a financial solution that is tailored to their needs and transparent at every step along the way.

  1. Consultation
    A one-on-one dialogue, is our trademark response to inquiring referral partners and potential clients. With purposeful discussion and discovery, we quickly assess the goals, working capital needs, and financial health of a business to provide a foundation for designing a custom solution.
  2. Collaborative Solution Design
    Having direct access to a flexible, collaborative financing partner with creative ideas is equally as important as access to capital. Together, we’ll structure a financing solution tailored to the specific strengths and needs of any business. After all, our extensive experience has shown us that one size DOES NOT fit all.
  3. Data Exchange
    A simple and clear contract is the byproduct of the transparency we cultivate in our client relationships. By collecting specific business information from business owners, we make informed decisions about each financing request and provide straightforward contract language to instill confidence and decisive action.
  4. Fund
    Receive funding decisions quickly to keep your business running without interruptions. At Alterna, you work directly with the decision makers so there’s no waiting for parent company or subsidiary oversight. Once a funding request is approved, we coordinate a date for closing and the initial funding.
  5. Relationship Management
    Enjoy attentive and personalized service from day one. A phone call away, our experts are not only committed to providing live on-demand service but also share invaluable alternative small-business financing insight and guidance.

READY TO TAKE THE NEXT STEP TOWARD GREATNESS?

We love what we do. And finding ways to help business owners make the most of what they do is what really gets us going. Let’s talk about how we can work together to design a unique financial solution that’s a perfect fit.

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