Capital Sourcing for Ecommerce, Manufacturing, and More

Growing a business takes the right kind of capital at the right time.

I’ve used creative financing extensively in my own companies, so I understand which types of funding work best in specific situations and which to avoid. And I have strong, trusted contacts who can bring you clear information, and others who can source the best possible deal terms to fit your profile. So if you’re looking to fuel growth, bridge a cash flow gap, expand into new markets, or prepare for a major opportunity, I can connect you with the right resources.

If you’re unsure how to protect the financial health of your business while leveraging these tools, I can also connect you with skilled professionals who will have your back every step of the way. Including not only people within the private lending ecosystem, but also independent accountants, profitability experts, and fractional CFOs specialized in ecommerce, manufacturing. My role is to help you get the right funding on the right terms, and not just the easiest deal to get approved. Fill out the form at the bottom to get in touch and learn how I can help with your particular goals.

Merchant Cash Advance (MCA)

MCA lenders purchase a cut of future revenue at a discount. They close in days and don’t require credit checks. They get some criticism in ecommerce circles due to high fees and sometimes aggressive repayment terms that can squeeze cash flow, but new and growing companies are often low on options, so MCAs still get used quite often. And for the right purpose they work well. Sensible use cases include preparing for a high season, entering new markets, or strengthening revenue ahead of an exit. Unless you have exceptionally strong margins, they’re not ideal as general “working capital”, as they’re often marketed by lenders. But in a pinch, they’ll keep you going.

Revenue-Based Financing (RBF)

RBF is similar in concept to MCA, in that lenders buy a portion of future revenue at a discount. But these deals are bigger, at $150k to $5 million and up, as opposed to MCAs which usually top out below $100k. RBF terms are generally much friendlier, because the companies that qualify are lower risk for the lender. Payback periods can be longer, fees and effective interest rates are lower, and payback schedules can be weekly, biweekly, or monthly, instead of daily. And lot of this can be negotiable. Importantly, Revenue-Based Financing usually does not require a personal guarantee.

Term Loans

Term loans provide businesses with a lump sum of capital that is repaid over a fixed period, typically with regular monthly payments. They can be secured or unsecured, with interest rates and terms based on factors like credit history, business performance, and collateral. Term loans are well-suited for larger, long-term investments such as expanding operations, purchasing property, or funding major strategic initiatives, where predictable repayment schedules help with financial planning.

Lines of Credit (LOCs)

A business line of credit works like a flexible borrowing account. You can draw funds when you need them, repay, and draw again, up to your approved limit. Interest is typically only charged on the amount you use. LOCs are valuable for managing cash flow, covering short-term expenses, or handling unexpected opportunities or challenges without committing to a fixed loan amount. They’re very advantageous for businesses with seasonal or fluctuating revenue, and the best time to apply for one is when you don’t have an urgent need for it.

Purchase Order Financing

Purchase Order financing allows you to accept and fulfill large customer orders without tying up your own cash. A lender advances funds to pay your suppliers directly, ensuring you can deliver on time. Once your customer pays their invoice, the lender takes their repayment plus fees, and you keep the balance. This can be a lifeline for growing companies that land big contracts but don’t yet have the working capital to cover upfront production or import costs, including recently increased tariffs.

Equipment Financing

Equipment financing helps you purchase or lease the machinery, vehicles, or technology your business needs without paying the full amount upfront. The equipment itself often serves as collateral, which can make approval easier and interest rates more favorable. This type of financing lets you keep cash free for other needs while upgrading or expanding your operational capabilities, whether you’re replacing outdated tools or investing in cutting-edge equipment to gain a competitive edge.

Invoice Factoring

Invoice factoring converts your unpaid invoices into immediate working capital. You sell your accounts receivable to a factoring company at a discount, and they advance you most of the invoice value, often within 24 hours. When your customer pays, the factor collects the payment and sends you the remainder, minus their fees. This is a fast way to improve cash flow, especially for businesses with long payment terms or slow-paying clients.

Mortgage Financing

Mortgage financing can let your property equity work in your favor by leveraging it in exchange for financing that you can put towards your business. Mortgage financing can help you purchase new real estate, renovate or expand existing facilities, or fund other major growth initiatives. Whether through commercial mortgages, refinance options, or equity loans, these products offer competitive rates and longer repayment terms, making them a solid choice for businesses investing in high-value, long-term assets.