Capstone offers a wide range of financial tools and programs that help facilitate your company’s growth. Our funding solutions are custom tailored to integrate with your business model. We offer invoice factoring, purchase order (PO) financing, domestic and international trade finance, and pre-exporting financing programs to provide the working capital your business needs to grow in an inflationary environment.
Invoice factoring and PO financing address cash flow issues and provide working capital, but they are utilized at different stages in a transaction cycle.
Invoice factoring accelerates your cash flow by converting existing accounts receivable into immediate cash. Factoring can be done with or without recourse, and it can include all of your invoices or be for a single invoice or “Spot” factoring.
PO financing funds the purchase of pre-sold inventory, finished goods in most cases, materials, or other resources related to specific purchase orders or contracts. It provides funding to you by creating supplier credit as we pay your vendors or suppliers on your behalf so that you can fulfill an order or get started/ complete a project.
Solutions
Industries Served
Capstone provides vital working capital funding to emerging and growth companies. We are a dependable financial resource for small and medium-sized companies, providing funding in many industries, including:
- Advertising & PR
- Architecture, Engineering & Design
- Electrical, Plumbing, & HVAC
- General Contractors
- Licensees
- Manufacturers
- Mining Coal, Oil and Gas
- Publishing and Royalty Contracts
- Painting and Flooring
- Poured Concrete Foundation & Structure
- Renewable Energy and Environmental Companies
- Software, Mobile Gaming & Apps
- Staffing and Temp Agencies
- Steel Fabrication
- Suppliers/ Distributors
- Telecommunications
Typical Client Profile
Capstone works with businesses of all shapes and sizes across the United States and Canada. Each prospective client of ours has their own set business goals and circumstances and, as a result, requires a tailored approach. In our experience, businesses with characteristics including (but not limited to) the following are most likely to benefit from funding through Capstone:
- Working capital strain due to limited credit lines from banks and suppliers
- Limited access to traditional credit markets due to a limited track record, insufficient capital, or poor earnings history
- Immediate need to capitalize on a growth opportunity with a product, customer, project, or market share
- Established management team and solid relationships with their suppliers and customers
- Losing sales and passing on new sales opportunities due to insufficient working capital
- Sells finished goods or services to creditworthy commercial clients, municipalities or other government agencies
- Backlog of orders or jobs is increasing
- Earning a gross margin of at least 20%
- Trade cycle of 60 or more days and are unable to wait for payment of their accounts receivable
- Annual revenues ranging from $100k to $50MM
Client Benefits
Clients realize a number of benefits from working capital funding provided by Capstone. They earn additional net profit due to increased sales. Clients enjoy increased buying power through better prices, delivery, and terms. Cash flow is improved as there are no deposit requirements when placing orders. They can fill larger orders from bigger customers and support the peak seasonal demands of their industry. Clients receive immediate cash flow upon delivery of goods with one of our factoring programs. Most importantly, clients maintain all equity and control of their business as they strive to reach their growth goals.
Capstone seeks to fund under-capitalized, competent businesses to help them sustain sales growth, preserve capital and ensure business dreams are realized.
For more information on Capstone, please call us at (212) 755-3636 to speak with a representative or use our website to browse our range of funding solutions.
Download: Infrastructure Investment & Jobs Act – Contract Opportunities and Funding Analysis
Capstone wants your business to take full advantage of the opportunities (or use projects) available through the Infrastructure Investment & Jobs Act recently signed into law.
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