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Our practices
Understand the funding requirement behind an equipment purchase, a new facility, an acquisition or a working-capital need, and which financing routes are worth exploring.
Financing options
Cash flow, assets, timing and existing obligations decide which route fits. We assess those first, before deciding which financing routes merit a closer look.
Financing for machinery, production lines, vehicles and other operating equipment. The useful life of the asset, installation costs and ownership goals help decide between a loan and a lease.
Situations to discuss: Adding capacity, replacing equipment, or investing in automation.
Funding the gap between paying for materials, payroll or delivery and getting paid. The operating cycle helps decide between a revolving facility and another structure.
Situations to discuss: Seasonal demand, larger orders, or slower customer payment.
A facility supported by eligible assets, usually receivables and inventory. Availability tends to follow a monitored borrowing base, with reporting and collateral requirements.
Situations to discuss: Businesses with large receivables or inventory and changing cash needs.
Term financing secured against identifiable assets such as machinery, equipment or property. The focus is collateral value, existing liens and the repayment plan.
Situations to discuss: A defined capital need backed by assets already owned or being bought.
Financing for owner-occupied facilities, property purchases, improvements and some construction or bridge needs. Occupancy, property economics, project stage and intended use guide the assessment.
Situations to discuss: Opening a facility, buying a location, or expanding the footprint.
Debt options for buying a business or funding a defined growth project. Operating cash flow, deal structure, integration needs and working capital after closing all matter.
Situations to discuss: A business purchase, a new location, or a planned expansion.
For eligible U.S. businesses, SBA 7(a) loans can support acquisitions, equipment and working capital, and the 504 program focuses on qualifying fixed assets such as real estate and long-term machinery.
Situations to discuss: Eligible acquisitions or investments in facilities and equipment.
A review of existing facilities, upcoming maturities, collateral commitments and repayment obligations.
Situations to discuss: A maturity approaching, a facility that no longer fits, or a changed capital need.
Financing categories can overlap. Availability, structure and suitability depend on the specific business, collateral, lender criteria and applicable requirements. Funding is subject to underwriting and approval.
The work
What the money is for, the cash flow behind it, the assets involved, the timing and the obligations already in place.
Which financing routes fit that requirement, and which do not, with the reasons written down.
The information a lender will ask for, organised before it is asked for, so the request is clear the first time.
We introduce the business to lenders whose criteria fit and keep the process moving. The lender decides.
Working with Breezy