Banner

Resumen en Puntos: Cómo un Préstamo Garantizado por Activos Aumenta el Flujo de Caja

un préstamo garantizado por activos

El tiempo es oro, y cuando se necesita flujo de caja, se debe obtener información rápidamente. Cortemos por lo sano gracias a este resumen en puntos del préstamo garantizado por activos.

¿Qué es un préstamo garantizado por activos (PGA)?

  • Un préstamo garantizado por activos le permite sacar provecho de sus cuentas por cobrar, inventario y bienes inmuebles para obtener capital circulante.
  • Dicho préstamo puede ser a un plazo de 6 a 24 meses, pero generalmente el promedio es de alrededor de un año.
  • Las compañías ya establecidas lo utilizan a menudo con procesos y controles internos definibles e identificables.

¿Qué activos se pueden utilizar para el PGA?

  • Cuentas por cobrar: pagos de facturas que sus clientes le deben ahora o le deberán más tarde.
  • Inventario: materias primas, trabajo en curso o productos finales almacenados.
  • Maquinaria y equipos: para un financiamiento que puede ser hasta de un 75 % del valor de liquidación.

Bienes inmuebles: mediante el registro de una garantía hipotecaria por propiedades residenciales o comerciales. También es posible verificar el valor de sus propiedades mediante una evaluación de su agente inmobiliario. Liquid Capital puede proporcionarle más información acerca del proceso.

¿Por qué su empresa recurriría al PGA?

  • Es un tipo de financiamiento más flexible.
  • Conviene a las empresas que hacen ventas por temporadas.
  • Si usted está pasando por períodos de rápido crecimiento, puede obtener flujo de caja más rápido.
  • Para los clientes sin contratos con su banco, esta puede resultar una mejor opción.

Para poder obtener un PGA, su empresa debe:

  • Tener una muy buena calificación crediticia.
  • Tener reportes financieros completos y controles internos exhaustivos.
    • Presentar estados financieros mensuales.
    • Presentar los pasados estados de cuentas por cobrar y por pagar.
  • Demostrar buenos resultados y tener una buena trayectoria.

Artículo relacionado: Financiamiento de cuentas por cobrar y factoraje. Saque partido de sus facturas y conviértalas en flujo de caja.

Un PGA puede servirle a su empresa si:

  • Tiene poco capital circulante.
  • No alcanza a llenar los requisitos para obtener un préstamo bancario.
  • Tiene necesidades de capital por temporadas las cuales no corresponden a la estructura de los préstamos bancarios.
  • Busca tasas de interés más bajas que las de una solución de factoraje.
  • No busca un contrato de financiamiento a largo plazo.
  • Considera que la imagen es importante y no desea que la experiencia de su cliente se vea alterada. La discreción es la clave con el PGA sin notificación, el cual se ofrece generalmente a las grandes empresas. Pregúntele a su responsable Liquid Capital si esta opción se ofrece a su empresa.
    • Los pagos se depositan en una cuenta de transferencias bancarias, o sweep, (en su banco generalmente), y su cliente nunca se entera de que Liquid Capital está manejando sus transacciones financieras.
  • Está atravesando por un ciclo de fuerte crecimiento y necesita acceso a capital circulante con mayor rapidez.
    • Liquid Capital calcula semanalmente las sumas de dinero que se prestan, a diferencia de los bancos que, por lo general, lo hacen mensualmente. Si su empresa está creciendo, su capacidad para obtener préstamos será mayor.

 

ABL icon

Bullet Points: How Asset-Based Lending Increases Cash Flow

what is ABL?

Time is money, and when you’re in need of cash flow you need to get information fast. Let’s cut to the chase with the bullet points on asset-based lending.

What is Asset-Based Lending (ABL)?

  • An asset-based loan allows you to leverage your accounts receivable, inventory, equipment and real estate in order to get access to working capital
  • It can be a loan from 6 – 24 months, but generally averages around 1 year
  • Often used by established companies with definable and identifiable internal processes and controls.

What assets can be used for ABL?

  • Accounts receivable: Invoices that customers owe you now or in the future
  • Inventory: raw materials, work in progress or finished goods sitting in your warehouse
  • Machinery and equipment: Funding can be up to 75% of the liquidation value.
  • Real estate: Register a collateral mortgage against residential or commercial properties. You may also check into your property values with an up-to-date appraisal from your real estate agent. Liquid Capital can provide more info on the process.

what is ABL financing

Why would your company turn to ABL?

  • It’s a more flexible type of financing
  • Well suited to companies with seasonal sales
  • If you’re in rapid growth stages, it can get you faster access to cash flow
  • Clients outside of covenant with their bank may find this is a better option 

To qualify for ABL, your company should:

  • Have a strong credit rating
  • Have comprehensive financial reporting and internal controls
    • Monthly financial statements
    • Aged A/R and A/P summaries
    • Have proven success and a good track record

Read Related: What is accounts receivable financing and factoring? Leverage unpaid invoices and turn them into liquid cash flow.

ABL may be right for your company if you are:

  • Short on working capital
  • Fall shy of bank loan criteria
  • Have seasonal capital requirements that don’t fit into the bank loan structure
  • Looking for lower rates than a factoring solution
  • Not looking for a long-term contract for financing
  • Consider optics important and you don’t want your client experience to change. Discretion is key with non-notification ABL, typically available to larger businesses. Check with your Liquid Capital Principal to see if this is available to your business.
    • Payments are deposited into a “sweep account” (typically at your bank) and your client is never aware that Liquid Capital is handling your financial transactions.
    • In a strong growth cycle and need quicker access to working capital.
      • Liquid Capital calculates borrowing amounts on a weekly basis, compared to banks that traditionally do this on a monthly basis. If you’re growing, your ability to borrow will increase.
interns

Profit From The Power Of Interns

interns

Finding and hiring effective employees is an ongoing challenge for growing companies. Running an internship program may help develop your team. However, before you establish one, keep in mind the realities and commitment for both the interns and the employer.

For an intern program to be worthwhile, you need to first decide what legitimate tasks an intern can perform. Be clear from the beginning what you expect. In turn, ask what the intern expects to gain. Experience in a specific industry? Skills in their craft? Interns typically look for tangible assets such as letters of recommendation or introductions to key industry contacts, too.

Right out of the gate an intern can be an asset. Millennials, for example, have grown up with social media and quickly evolving technology. They bring skills and insights your staff might not have. For skills specific to your industry, hiring interns while they’re still in college gives you time to groom them so that they’ll be a good match for permanent employment after they graduate. An advantage to that approach is displacing the cost of hiring as well as a training period. The newly hired previous intern will be ready to go right from the beginning of employment. Internships are an ideal way to ensure that you develop what you ultimately need in a competent employee.

ManpowerGroup has nearly 3,900 offices across 80 countries with 400,000 clients from small organizations to globally-renowned corporations. Its tenth annual Talent Shortage Survey shows that about one in five (19%) employers struggle to find candidates with applicable experience. Its infographic «The Talent Shortage Persists» highlights opportunities for both job seekers and needy employers. The deficit comes down to experience: the lack of technical competencies (hard skills) and workplace competencies (soft skills).

Vault is a resource for 2.5 million subscribers worldwide, matching thousands of employers (70 of the Fortune 100) to 6 million students and constituents. Interviewing 6,000 current and former students for its Top Internship Rankings for 2016, Vault found that approximately three-quarters of interns on average receive a full-time job offer from the employer after interning.

Lastly, understand your responsibility as a company recruiting interns. SkilledUp reports that the average hourly wage rate for a paid intern with a bachelor’s degree ranges from $15.05 to $17.94, depending on the applicant’s major. Unpaid internships are an option but you need to understand the law. SkilledUp’s blog post Recruiting For (And Through) Your Company Internship Program explains the «six prong test» as per the Fair Labor Standards Act. A key requirement is that an internship will not displace a regular employee.
Bottom line: Do your homework. The right intern program can save your company money while grooming an apprentice to be your ideal employee.
Image via NASA Goddard

Lendified Holdings Inc. And Liquid Capital Corporation Announce $20 Million Credit Facility To Support Growth Of Its Small Business Lending Activities In Canada

TORONTOAug. 16, 2016 /PRNewswire/ – Lendified Holdings Inc. («Lendified»), a Canadian-based lending technology company offering working capital and related financial services products to the small business community, is pleased to announce that it has entered into an agreement with Liquid Capital Corporation («Liquid Capital«), a company specializing in providing working capital, asset based lending and trade finance solutions. Liquid Capital will provide the senior debt for a new credit facility, initially in an amount of up to $20 million, for working capital loans underwritten by Lendified.  At the same time, Lendified announces it has closed a further $4 million in mezzanine financing through a private placement bringing the total funding lines to $24 million. Lendified is now poised for significant growth across a number of targeted markets for its products.

Launched in early 2015, Lendified provides small businesses access to working capital from $5,000 to $150,000 for terms of up to two years. In early 2016 Lendified purchased Mentio Technologies Inc., adding additional data and analytics capabilities to its technologically-advanced credit adjudication model. Lendified today provides small businesses with advanced tools for managing their cash flow in addition to providing prospective borrowers a frictionless experience in applying for and receiving working capital. Lendified’s wholly-owned subsidiary, Lendified Technologies Inc. provides third party financial services firms including banks, credit unions and other firms dealing with small businesses with a «software-as-a-service» tool that enhances the risk review process of small businesses applying multi source data analytics with advanced algorithms which provide a best in class view of the current and future performance of small businesses.

«We are pleased to have formed a funding partnership with Lendified,» said Sol Roter, President and co-founder of Liquid Capital. «Lendified exemplifies today’s merger of lending skillsets, quality management and technology within the «Fintech» world of financial services. Lendified’s advanced methodologies around credit analysis, while leveraging technological access to information is very, very impressive. It is our plan that this partnership will bring opportunities for efficiency and referral across our respective platforms as well. This transaction represents an important addition to the Liquid Capital portfolio and provides an outstanding opportunity to showcase Liquid Capital’s increasing commitment and interest in technology-driven financial services.»

Liquid Capital entered into a joint venture with Next Edge Capital Corp. («Next Edge») in 2015 to co-fund investments in accounts receivable, trade finance, and asset based lending transactions sourced by and through Liquid Capital’s Principal distribution channel and financed via the Next Edge Private Debt Fund (the «Next Edge Fund»).  The Next Edge Fund has now grown to approximately $50MM and will continue to grow as Liquid Capital continues to source quality transactions through its network of originators in Canada and the United States.

Co-founders of Lendified, Troy Wright and Kevin Clark are very pleased with the arrangements that have been put in place. «Lendified now has the capital it needs to grow the lending component of the company’s strategy,» says Troy Wright, CEO. «This financing marks the next step in the company’s strategy of moving the loan book to a position of strength and sustainment. The benefits of working with Liquid Capital on not only this financing but with a number of potential synergies for both parties makes this financing that much more appealing.» Kevin Clark, Lendified’s President notes the alignment with a number of companies within the financial services world under the umbrella of Next Edge makes this opportunity very strategic and presents a number of tremendous opportunities in the future for broader business development within the financial services world in Canada and beyond.

About Lendified:

Founded in early 2015, Lendified Holdings Inc. and its subsidiaries are engaged providing in a number of financial services products and related services within the small business eco-system through www.lendified.com and for offering a Software as a Service subscription model of their credit risk adjudication platform www.lendifiedplatform.com , used by third party financial services firms in the assessment of small business risk.

For more information, visit www.lendified.com

About Liquid Capital:

Since 1999, Liquid Capital Corporation has been operating in the factoring and trade finance business. Over that period of time, the company has processed well over $2 billion in accounts receivables and trade finance transactions through both its Canadian headquarters in Toronto and US headquarters in Dallas. The company also has a master franchise relationship inMexico. Through its 80+ franchised office network, the company locally originates, manages, and funds accounts receivables, asset based lending and trade finance transactions.  Further information can be found at www.liquidcapitalcorp.com.

About Next Edge Capital:

Next Edge was formed through a management spin out of the Canadian office of Man Investments Canada Corp. in 2014.

Next Edge searches the world for investment managers and strategies that aim to deliver robust risk-adjusted performance. The yields available today from traditional fixed income investments are at all-time lows. One area where there are still opportunities for significant yield generation with security is Private Lending. Next Edge’s first two offerings in this space – the Next Edge Private Debt Fund and the VPC Specialty Lending Trust seek to capitalize on this opportunity. For more than a decade, the Next Edge management team has provided access to unique strategies before they have become widely known. Further information can be found at www.nextedgecapital.com.

SOURCE Lendified Inc.

Saque Provecho del Poder de los Pasantes

Encontrar y contratar empleados eficaces constituye un desafío constante para las empresas en expansión. El hecho de tener un programa de pasantías puede ayudarle a desarrollar su equipo. Sin embargo, antes de establecer dicho programa, tenga en cuenta las realidades y el compromiso que este representa tanto para los pasantes como para el empleador.

Para que un programa de pasantías valga la pena, usted necesita definir primero cuáles son las tareas legítimas que un pasante puede llevar a cabo. Exprese sus expectativas claramente desde el comienzo y pregúntele al pasante qué es lo que él o ella espera obtener. ¿Experiencia en el campo científico? ¿Habilidades en su arte? Por lo general, los pasantes buscan también obtener cosas tangibles como letras de recomendación o contactos claves en la industria.

Desde el principio, un pasante puede ser de gran valor. Por ejemplo, los milénicos han crecido con las redes sociales y con tecnologías que evolucionan rápidamente, aportando así habilidades y conocimientos que puede que su personal no posea. En cuanto a las habilidades propias de su industria, el hecho de contratar pasantes mientras aún están en la universidad le da tiempo para prepararlos de tal modo que estos se conviertan en buenos candidatos para un empleo permanente luego de su graduación. Una ventaja de esta estrategia es que se desplazan los costos relacionados con el contratar al igual que con el período de entrenamiento. El nuevo empleado y antiguo pasante estará listo para comenzar inmediatamente desde su primer día de trabajo. Las pasantías constituyen la manera ideal para asegurarse de que, a fin de cuentas, se desarrolle lo que usted necesitará encontrar en un empleado competente.

Manpower Group cuenta con cerca de 3.900 oficinas en 80 países sumando 400.000 clientes desde pequeñas organizaciones hasta corporaciones reconocidas mundialmente. Su décima encuesta anual sobre la escasez de talentos muestra que uno de cada cinco empleadores (19 %) tiene dificultades para encontrar candidatos con experiencia pertinente. Su ilustración The Talent Shortage Persists (La Escasez de Talentos Persiste) resalta las oportunidades tanto para quienes buscan empleo como para quienes buscan empleados. El déficit se traduce en una cuestión de experiencia: la falta de competencias técnicas (habilidades duras) y de competencias en el medio laboral (habilidades blandas).

Vault es un recurso para 2.5 millones de suscriptores alrededor del mundo, en donde se relacionan miles de empleadores (70 de Fortune 100) con 6 millones de estudiantes y participantes. Al entrevistar a 6.000 estudiantes actuales y antiguos para su ranking de las mejores pasantías en 2016, Vault descubrió que, en promedio, aproximadamente tres cuartos de pasantes reciben una propuesta de empleo de tiempo completo de su empleador al finalizar la pasantía.

Por último, sepa cuál es su responsabilidad como empresa reclutadora de pasantes. SkilledUp reporta que un salario promedio por hora para un pasante remunerado con título de primer ciclo universitario varía entre $15.05 y $17.94, dependiendo de la especialización. Las pasantías no remuneradas son una opción pero usted debe entender los términos legales. El artículo de blog de SkilledUp, Reclutar para (y Gracias a) su Programa Empresarial de Pasantías (Recruiting For [And Through] Your Company Internship Program), explica la prueba séxtuple de acuerdo con la Ley de Normas Laborales Justas. Una de las exigencias principales es que un pasante no debe remplazar a un empleado regular.

Conclusión: Investigue. El programa de pasantías adecuado puede economizarle a su empresa dinero mientras prepara a un aprendiz, futuro empleado idóneo.

En Liquid Capital, queremos ayudarle a hacer crecer su negocio. Si busca financiamiento para hacer crecer su negocio y realizar operaciones, póngase en contacto con un experto de Liquid Capital en su comunidad. Es un placer ayudarle.

Foto para NASA Goddard

Banner

Rio Welcomes The Launch Party For Inaugural ArtsGames

screen-shot-2016-08-05-at-2-22-31-pm

The Olympics have come to Rio, amidst much fanfare and swarms of media attention. But there’s another hot ticket in town, and you’re going to be hearing a lot more about it in the near future.

The inaugural ArtsGames is a global competition that was created byOlympian Sylvia Sweeney. As the niece of the late and iconic jazz musician Oscar Peterson, Sylvia wanted to create an equally iconic event that would bring cultures together. And other than sport, what better way to do that than the arts?

With a mission “to provide a global platform to demonstrate the excellence that exists in all cultures,” the ArtsGames is ready to take on the world of arts in fine form. Sweeney has hosted several related events over past Olympics, however, this year marks the introduction of the formal ArtsGames, combining her love of sport, music and cultural togetherness.

The inaugural ArtsGames will be hosted in 2018, with the audition process beginning in 2017.

Liquid Capital has been a proud sponsor of the ArtsGames since 2008, and we wanted to showcase this event, bringing attention to its involvement at the Rio Olympic Games and how to get involved.

PLACE des Arts

What are the ArtsGames?

On January 12, 2018, the ArtsGames will be welcomed by host city, Montreal, Canada.

This spectacular 10-day event will feature over 20,000 competing artists from around the world, representing their countries in live nation vs. nation events spanning five categories: Music, Dance, Literature, Media Arts and Visual Arts.

Over the course of the ArtsGames, artists will compete in over 20 venues for one of the 144 medals that will be awarded.

artsgames-montreal

This is no small affair, as the ArtsGames committee anticipates  “1 billion+ online and broadcast viewers from 196 countries will watch as artists set a new standard for global excellence.”

Every two years, the events will be hosted in a new city and countries will have the chance to send their best and brightest artists to compete in what will surely be an awe-inspiring competition.

Competing and the “Audition” process

Just as with the Olympic Games, competition in the ArtsGames will be fierce. And qualifying to participate will require dedication and expertise in one’s field.

“Held every two years starting in 2017, The Auditions will host artists who have risen to the top in global competitions through our sanctioned federations, ArtsGames online competitions, and through ArtsGames Scouts-at-large.”

As the headquarter city for this new global event, Montreal will also play host to the final qualifying stage of The Auditions every two years. Touted for valuing “the arts as much as it values cultural diversity,” the city matches the founding principals of the ArtsGames.

Although the process doesn’t officially begin until August 2017, artists are already encouraged to follow ArtsGames for qualifying competitions.

screen-shot-2016-08-05-at-1-53-52-pm

With Olympians on board and a full team in place, there is no better place to officially launch the ArtsGames than at Rio 2016. On August 11, 2016, the ArtsGames will be presented to the world, complete with star-studded performances.

As a proud sponsor of the ArtsGames, we encourage you to follow the organization and participate in events. Good luck to all competitors! 

Images via ArtsGames.com

Banner

Se Realiza En Río La Fiesta De Lanzamiento De La Primera Edición De ArtsGames

screen-shot-2016-08-05-at-2-22-31-pm

Los Juegos Olímpicos llegaron a Río, en medio de mucha algarabía y gran atención por parte de los medios. Pero hay otro evento muy popular en la ciudad y usted escuchará hablar mucho acerca de él en un futuro cercano.

La primera edición de ArtGames es una competencia que fue creada por la atleta olímpica Sylvia Sweeney.  Como nieta del difunto y emblemático músico de jazz Oscar Peterson, Sylvia quería crear un evento igual de significativo que reuniera a las culturas. Y fuera del deporte, ¿cuál sería la mejor manera de hacerlo sino con las artes?

Con el objetivo de “ofrecer una plataforma mundial para demostrar la excelencia que existe en todas las culturas”,  ArtGames está listo para  hacerse cargo del mundo de las artes de manera excepcional. Sweeney ha animado varias actividades similares en Juegos Olímpicos anteriores. Sin embargo, este año marca el inicio formal de ArtsGames, un evento que combina su amor por el deporte, la música y el acercamiento de las culturas.

La primera edición de ArtsGames se realizará en 2018 y el proceso de audición comenzará en 2017.

Liquid Capital ha sido el orgulloso patrocinador de ArtsGames desde 2008 y queríamos resaltar este evento atrayendo el interés hacia su inclusión en los Juegos Olímpicos de Río y cómo formar parte del mismo.

PLACE des Arts

¿Qué son los ArtsGames?

El 12 de enero de 2018, los ArtsGames serán inaugurados en la ciudad anfitriona de Montreal, Canadá.

En este grandioso evento, que durará 10 días, competirán más de 20,000 artistas de todo el mundo, representando a sus países en competencias entre naciones en vivo, que incluyen cinco categorías: música, danza, literatura, artes mediáticas y artes visuales.

Durante la realización de ArtsGames, los artistas competirán en más de 20 lugares para obtener una de las 144 medallas que serán otorgadas.

 artsgames-montreal

Este no es un evento sin importancia, ya que el Comité de ArtsGames calcula que “más de mil millones de telespectadores e internautas de 196 países observarán cómo los artistas establecen un nuevo estándar de excelencia mundial”.

Cada dos años, las actividades serán realizadas en una nueva ciudad y los países tendrán la oportunidad de enviar a sus mejores y más brillantes artistas a participar en lo que seguramente será una competencia impresionante. 

La competencia y el proceso de “Audición

De la misma manera que en los Juegos Olímpicos, la competencia en los ArtsGames será intensa. Para clasificarse y poder participar en la competencia, los artistas necesitarán mucha dedicación y experiencia en su propio campo.

“Las audiciones, que se llevarán a cabo cada dos años, comenzarán en 2017 y acogerán a artistas que hayan alcanzado el nivel máximo en competencias mundiales a través de nuestras federaciones autorizadas, competencias en línea de ArtsGames y cazatalentos de ArtsGames en general”.

Como ciudad sede de este nuevo evento mundial, Montreal también será la ciudad anfitriona de la etapa final de clasificación de las audiciones cada dos años.

Conocida por valorar “las artes tanto como la diversidad cultural,” la ciudad concuerda con los principios fundamentales de ArtsGames.

Aunque el proceso comienza solamente en agosto de 2017, se anima desde ya a los artistas a  consultar en ArtsGames las competencias de calificación.

screen-shot-2016-08-05-at-1-53-52-pm

 ¡El 11 de agosto, lanzamos oficialmente al mundo desde Río de Janeiro los próximos ArtsGames, con eventos para la prensa y conciertos de primera categoría!

Con la participación de atletas olímpicos y un equipo completo presente en el lugar, no había mejor momento para lanzar los ArtsGames que en Río 2016. El 11 de agosto de 2016, los ArtsGames fueron presentados al mundo y luego se llevó a cabo un espectáculo de alto calibre.

Como orgullosos patrocinadores de ArtsGames, los invitamos a  seguir la organización y participar en los eventos. ¡Buena suerte a todos los competidores!

 Imágenes vía ArtsGames.com

New Tampa Bay Area Entrepreneur Launches Company to Support Small Business Growth

TAMPA BAY, Fl. (August 9, 2016) – Mark Coyle announced the opening of his Bay Area Liquid Capital business, which offers alternative commercial funding for small and medium-sized businesses in the Bay Area. For smaller startup businesses in dramatic growth phases, and more established companies that may have had a trigger event like the need for manufacturing and equipment upgrades, the lending products from Bay Area Liquid Capital can be a saving grace.

“I connect with other entrepreneurs and business savvy individuals who need a partner. I don’t directly look for customers that are having cash flow issues, but as the need for working capital arises, the products available can help get clients through the next level of their business.”

With over 15 years experience in sales and 8 years in consumer packaged goods, Mr. Coyle understands the challenges faced by business owners. In addition, Mr. Coyle sees the Bay Area business network as a significant strength and benefit for his clients.

“As a member of the Greater Tampa Chamber of Commerce, the Manatee Chamber of Commerce, Commercial Finance Association, as well as groups like the Association for Corporate Growth, I’ve been widely connected to the great financial professional network. There’s a great crossover with membership, including commercial bankers, business consultants and CPAs who I can work with to help my clients find solutions to meet their cash flow requirements,” Mr. Coyle states.

Making the connections between the financial sector and business owners offers Mr. Coyle’s clients an advantage not possible with other alternative lenders.

«My referral partners have a high level of confidence dealing with me because I have my personal capital invested in the financing, which creates a more client-focused relationship. My clients aren’t underwritten, funded and then passed off. I work directly with each of my clients throughout the entirety of the relationship.»

“I strive to work with my partners and clients face-to-face. That’s an important part to know you’re dealing with someone who truly cares about your business success. Making connections with other entrepreneurs is valuable because we’re in it together and understand each other’s challenges. It really drives me to want to help them.”

This differentiates Mr. Coyle and his Bay Area Liquid Capital business from other competitors who may not have the same passion for mutual success. Growing his business in the Bay Area, Mr. Coyle also shows his appreciation for his community.

“Part of my personal belief is being socially responsible and giving back to the community. We have a large military base here and a large surplus of military men and women coming out of the service. As my company grows, I want to be able to offer those people a position within my company.”

About Liquid Capital

Liquid Capital is a full-service working capital and trade finance network and has been in operations since 1998. The Liquid Capital network has the largest geographic footprint of alternative funding professionals, with over 80 independently owned businesses across North America, offering clients a customized and flexible approach with local decision makers. We offer a complete range of solutions for all industries and provide immediate financing upon approval with no long-term contracts or hidden fees. At Liquid Capital, we help you grow your business.

To learn more about Bay Area Liquid Capital, please contact
Mark Coyle
Bay Area Liquid Capital
Saint Petersburg, FL 33702
Call: 727.329.6030
Mobile: 813.766.6790
mcoyle@liquidcapitalcorp.com

des factures courantes

How To Increase Your Business Liquidity Through Prompt Payment Of Current Invoices

invoice-processing-1

Cash flow and liquidity is a challenge for all businesses at one point or another.

Part of the problem might not be your business at all, but rather, it could be that your clients haven’t paid invoices on time.

Or your company is growing much quicker than expected. In this case, you could do so much more if you had access to the cash that will eventually come in when your accounts receivable are paid.

In other cases, it could be that an unexpected event occurred like major equipment damage or an unexpected product delivery schedule change. Any major event could put your company cash flow into crisis, and the possible tailspin can put any business owner into fright.

An Innovative Solution to Invoice Processing

Whatever the issue, there’s a solution to speed up your invoice processing called “accounts receivable financing” that can be a huge relief.

Also called “factoring,” this is an innovative way for your business to access quick and secure financing through the sale of your invoices. We specialize in this financing at Liquid Capital, and can offer up to 85% of the value of your accounts receivable, which you can then use as you need.

And this can be a liberating strategy to free up working capital on an ongoing basis. Your only limit is your ability to sell to credit-worthy customers. We collect the financed debts from your customers, which frees up your admin time and takes the headache out of your A/R process. But you’re not in the dark, as we also provide clear, accessible reporting to keep you up to date on the process. 

Where a bank loan might be denied, A/R factoring could potentially advance you hundreds of thousands of dollars—in a very short timeframe. 

Many SMBs can’t access traditional bank loans all of the time. They could be extended already with bank debt, have an untraditional business model that the banks aren’t yet comfortable with or a host of other points that don’t satisfy the institution at that point in time.

This isn’t to say that a bank loan isn’t possible in the future, but in the meantime using accounts receivable financing can be the exact answer needed.

Get the full details on accounts receivable financing here.

Cash

Cómo Aumentar la Liquidez de su Empresa Mediante el Pago Oportuno de sus Facturas Corrientes

El capital circulante y la liquidez constituyen un desafío para todas las empresas de alguna u otra manera.

Puede que su empresa no sea para nada parte del problema, sino más bien que sus clientes no le han pagado sus facturas a tiempo, o que su compañía está creciendo mucho más rápido de lo esperado. En ese caso, usted podría hacer mucho más si tuviera acceso al efectivo que llegará eventualmente cuando sus cuentas por cobrar estén pagas.

En otros casos, puede que un evento inesperado haya ocurrido como el daño de un equipo o un cambio en el calendario de entrega de un producto. Cualquier evento mayor podría poner a su empresa en una situación de crisis de flujo de caja y las posibles dificultades pueden asustar a cualquier empresario.

Una solución innovadora para el procesamiento de facturas

Cualquiera que sea el problema, existe una solución para acelerar el procesamiento de sus facturas llamada «financiamiento de cuentas por cobrar», la cual puede ser de gran alivio.

Conocida también como «factoraje», esta solución es una manera innovadora para que su empresa pueda tener acceso rápido y seguro a financiamiento gracias a la venta de sus facturas. En Liquid Capital, nos especializamos en este financiamiento y podemos ofrecerle hasta el 85 % del valor de sus cuentas por cobrar, el cual usted puede usar de acuerdo con sus necesidades.

Y esta puede ser una estrategia para liberar capital circulante de manera continua. El único límite es su capacidad de venderles a clientes solventes. Nosotros cobramos a sus clientes las deudas financiadas, con lo que usted se ahorra tiempo reservado a la administración y se quita el dolor de cabeza que representa el procesamiento de sus cuentas por cobrar. Pero usted no quedará en las tinieblas puesto que también le proporcionamos reportes claros y accesibles para tenerlo al tanto del proceso.

Mientras que un préstamo bancario puede ser rechazado, con el factoraje de las cuentas por cobrar usted puede obtener un avance de cientos de miles de dólares a corto plazo. 

Muchas pequeñas y medianas empresas no siempre pueden obtener préstamos bancarios tradicionales, porque ya tienen una deuda con un banco, porque su modelo comercial es poco tradicional y no convence aún a los bancos o porque presentan otros puntos que no satisfacen a la institución en ese preciso momento.

Lo cual no significa que un préstamo bancario no sea viable más adelante, pero mientras tanto utilizar un financiamiento de cuentas por cobrar puede ser exactamente la respuesta que estaba buscando.

Obtenga todos los detalles aquí en financiamiento de cuentas por cobrar.