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| An Entrepreneur Growth Capital borrower... |
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| is a service provider, manufacturer or wholesale distributor. |
| is anywhere in the USA. |
| needs an asset based loan from $250,000 to $5 million. |
| always has commercial accounts receivable. |
| often has inventory and machinery and equipment. |
| is often marginally profitable or losing money. |
| may have a weak balance sheet and might reflect a deficit tangible net worth. |
| might be in an asset recovery department of a bank or on an "exit" strategy |
| may be in, or emerging from, bankruptcy |
| could be fast growing with cap ex or acquisition requirements |
| typically has the support of a personal guarantor. |
| usually has no financial covenants in its loan agreement. |
| preferably needs to refinance quickly. |
| wants to establish a relationship with a family owned, third generation lender. |
| requires advance rates of: -up to 50% on inventory; -up to 85% on liquidation value of M&E and Real Estate; (Can have seasonal or specific working capital needs in excess of advanced rates). |
| A Credit Cash borrower... |
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| is a retailer, restaurant owner, service provider, manufacturer or distributor |
| is anywhere in the USA |
| needs a term loan for $150,000-$2.5 million |
| always accepts Visa and MasterCard |
| generates a minimum of $3 million in annual revenue |
| typically has the support of a personal guarantor |
| requires financing in addition an existing senior secured lender |
| might be in an asset recovery department of a bank or on an "exit" strategy |
| may be in, or emerging from, bankruptcy |
| could be fast growing with cap ex or acquisition requirements |
| needs to obtain financing quickly and easily |
| wants to establish a relationship with a knowledgeable and flexible lender |