up to 100% financing available
for rehab, value add, and new construction projects
YOUR ONE STOP FOR BUSINESS LOANS
Dustin is a family man and entrepreneur from Miami, Florida, but calls North Dallas home now. He has spent the last 15 years working in the construction industry.
Dustin specializes at connecting small and medium-sized Businesses with the most suitable financing options. He leverages his industry expertise and established lender relationships to secure the capital needed to achieve your business goals.
In his spare time he enjoys traveling to the mountains and the beaches. and spending time with his family.
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OUR BUSINESS FUNDING ADVANTAGE
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3 MONTHS BUSINESS BANK STATEMENTS
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NO TAX RETURNS
NO MINIMUM CREDIT SCORE
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WHAT MY CLIENTS SAY ABOUT ME
"Dustin was a life-saver! I had an emergency and had a choice, find a way to keep my business open, or shut my doors forever. Dustin, got me the money I needed fast, and the best part is the process was super easy!"
• Jane Smith | Tampa, FL
The Reign of Working Capital: Why It Makes a Business King
In the realm of business, there's a fundamental truth that reigns supreme: working capital is king. Often hailed as the lifeblood of an enterprise, working capital plays a pivotal role in driving growth, fostering resilience, and seizing opportunities in the ever-evolving landscape of commerce. In this blog post, we'll explore why working capital is crowned as the ultimate ruler and how businesses can harness its power to achieve prosperity and dominance in their respective domains.
Defining Working Capital
Before delving into its significance, let's first understand what working capital entails. In simple terms, working capital represents the difference between a company's current assets and current liabilities. It encompasses the resources readily available to cover day-to-day operational expenses, manage short-term obligations, and fuel growth initiatives.
The Sovereignty of Working Capital
1. Operational Stability: Working capital serves as a bulwark against financial turbulence, ensuring that businesses have the liquidity needed to sustain operations during lean periods or unforeseen challenges. With ample working capital at their disposal, businesses can weather storms, navigate market fluctuations, and maintain stability in turbulent waters.
2. Seizing Opportunities: In the fast-paced realm of commerce, opportunities often arise when least expected. Whether it's seizing a lucrative partnership, expanding into new markets, or investing in innovation, having sufficient working capital empowers businesses to capitalize on these opportunities swiftly and decisively. By having the resources readily available, businesses can leap ahead of competitors and carve out their niches in the market.
3. Fueling Growth: Working capital is the lifeblood of growth initiatives, providing the financial fuel needed to propel businesses forward. Whether it's investing in research and development, scaling operations, or acquiring new assets, ample working capital enables businesses to execute their growth strategies with confidence. This agility and flexibility to invest in the future distinguish thriving enterprises from their counterparts.
4. Building Resilience: In an era marked by uncertainty and volatility, resilience is a prized asset. Businesses equipped with robust working capital reserves are better positioned to withstand economic downturns, industry disruptions, or unforeseen crises. By having a buffer against adversity, businesses can adapt, innovate, and emerge stronger from challenges, cementing their status as leaders in their fields.
Strategies for Maximizing Working Capital
1. Optimize Cash Flow: Streamline accounts receivable and accounts payable processes to enhance cash flow efficiency. Implementing robust cash management practices can help businesses optimize working capital utilization and minimize idle cash.
2. Manage Inventory Wisely: Adopt inventory management techniques to balance stock levels effectively, avoiding excess inventory that ties up capital unnecessarily. Embrace just-in-time inventory practices to align supply with demand and optimize working capital allocation.
3. Negotiate Favorable Terms: Forge strategic partnerships with suppliers, vendors, and creditors to negotiate favorable payment terms. Extending payment terms or securing discounts for early payments can improve cash flow and enhance working capital availability.
4. Explore Financing Options: Utilize financing solutions such as lines of credit, invoice factoring, or working capital loans to bolster liquidity and bridge short-term funding gaps. Evaluate financing options based on cost, flexibility, and alignment with business objectives.
Conclusion: Long Live the King
In conclusion, working capital reigns supreme as the ultimate determinant of a business's vitality, resilience, and potential for success. From ensuring operational stability to fueling growth and seizing opportunities, working capital underpins every facet of business operations and strategy. By prioritizing working capital management, businesses can ascend to the throne of industry leadership, commanding respect, and admiration in the competitive landscape. Long live the king of business: working capital. If your business needs more capital, visit ctffunding.com
We handle all commercial loan sizes from $5,000 for small merchant cash advances, to well over $5,000,000 for SBA 7(a) programs.
We work with all types of businesses and industries. Small, medium and large businesses work with us to handle their financing needs.
We have lenders that work in all 50 States of the US, along with international lenders in Canada and Mexico.
The only start-up financing we handle are SBA 7(a) financing, equipment financing, and loans against ones stocks (commonly-used to fund franchise businesses). Once you have been in business for 3 months we do offer Working capital loans at that point.
The time period for funding depends on the type of loan the business is seeking. For SBA and traditional financing, the time frame can be between 30-180 days. For alternative financing between 5-10 days. Working Capital takes 1-2 days.
We charge you nothing out-of-pocket. Most of the time we get paid a success fee from the lenders. In some situations relating to traditional financing where the lender does not offer a referral fee, we charge between 1-2% of the final facility amount, and it would only be due at funding.
No. But we are confident that we are among the most successful financing brokers at finding our clients the best possible financing for their companies.
Generally, to qualify for bank and SBA financing, a business owner needs to have a credit score over 650. For other forms of alternative financing there is not minimum credit score requirement, but with increased lender risk will result in higher borrower costs. For our DSCR Rental Loans you will need a 640 Minimum Credit Score.
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