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BEST NON-BANK FUNDING OPTIONS FOR BUSINESS FINANCING
By Chantal Giuliani01.24.23February 1st, 2023No Comments
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While the economy struggles through a downturn, traditional lenders are
beginning to restrict credit as government regulators monitor their portfolios
for excessive risk and their stakeholders demand profit protection. As a result,
it is becoming even more challenging for companies to manage their finances.
From the inability of businesses to satisfy the terms of their bank financing,
to their lack of available working capital, to general cash flow constraints,
businesses everywhere are experiencing growing financial pressures. With this in
mind, more and more businesses are turning to the many advantages of non-bank
funding options. The provision of near-immediate relief from the credit
restrictions traditional lenders are imposing on their borrowers is a key
benefit for many of these companies.
In essence, traditional lenders use conventional credit scoring models to assess
risk and the capacity of a business to repay debt. This narrow scope imposes
rigid credit requirements that prevent many companies from qualifying or
maintaining conventional business financing. Fortunately, alternative lenders
are free from regulatory oversight and have more flexible credit requirements to
provide easier qualification and faster access to the cash businesses need, when
they need it.
Keep reading to learn how leading alternative lenders are accelerating the
qualification process and quickly delivering the advantages of the best non-bank
funding options for business financing.
FAST AND EASY QUALIFICATION
The first roadblock for borrowers is getting approved. By utilizing advanced
fintech capabilities, alternative lenders can assess hundreds of credit-related
data points to better understand an applicant’s borrowing potential. Leveraging
untapped credit strengths and underutilized assets, these tech-enabled lenders
can often approve credit and provide flexible non-bank business financing to
small, mid-sized, and large businesses in a matter of a few days.
From start-up to maturity, even businesses in growth mode or financial distress
can qualify for non-bank business financing options if they have some or all the
following:
* Creditworthy customers
* Regular account receivables
* Quality assets (equipment, inventory, etc.)
Armed with advanced technology and the latest risk assessment tools, alternative
lenders are rapidly changing the business financing landscape. From easier
qualification requirements to incredibly fast speed of funding, these lenders
offer many advantages traditional banks can’t match.
ADVANTAGES OF NON-BANK FINANCING OPTIONS
As mentioned, the most significant advantages of non-bank financing options are
lower credit requirements and a faster qualification process. Even companies
with diminishing profitability can often obtain funding in a matter of days. But
the advantages don’t end there! Here are some additional benefits of business
financing from leading alternative lenders:
Money when its needed: When businesses require cash, they generally need it now
– not months or weeks later, but NOW! From companies facing a bank financing
recall to businesses needing daily funding, speed of funding can be critical.
Leading alternative lenders typically deliver the money businesses need when
they need it! Utilizing fintech advancements, tech-enabled lenders can
accelerate the speed of funding from weeks and months to days and hours. As a
result, qualification, onboarding, and first funding take place in a few days.
Once the lending account is set up, ongoing funding is often measured in hours
from the time it is requested.
Flexible financing: Business requirements change regularly, as do the financial
resources needed to support growth. As time progresses, the business financing
first established with a lender may need to be escalated to sustain new business
developments. Leading alternative lenders experienced in the borrower’s industry
and invested in technological advancements may offer multiple products and
growing credit limits to deliver more money in more ways than traditional
lenders.
Autonomous control of finances: If a company does manage to acquire business
financing from a bank, it typically comes with severe control measures –
multiple restrictive covenants, rigid credit limits, and regular reporting
protect the bank’s investment but often stifle the business’s ability to grow.
If the regular auditing of the borrowers’ financial performance reveals that the
company has breached loan covenants, the bank can even move to recall credit and
close the loan. This potentially disastrous event is especially true in today’s
economic environment.
In contrast, the best non-bank lending options leave the control of business
finances in the borrower’s hands:
* Fewer loan covenants mean more flexibility to maintain credit and grow.
* Expanding credit limits can better align with the company’s growth
trajectory.
* Online account management provides greater transparency.
* Unrestricted ability to utilize funds enables borrowers to keep control of
their decision making.
Industry expertise: When it comes to making smart borrowing decisions, leading
alternative lenders often put industry expertise at your disposal. In many
cases, these industry-knowledgeable lenders better understand the unique
financial requirements and solutions that apply in given situations. As a
result, they can provide much more than access to working capital – they can
also offer expertise and industry insights to help maximize the company’s
profitability.
BEST TYPES OF NON-BANK FUNDING OPTIONS
Leading alternative lenders typically tailor their business financing solutions,
and possibly combine more than one funding option, to help maximize the
borrower’s access to working capital. The top two non-bank funding options are:
Asset-based lending (ABL): This financing option is favored by companies needing
a large influx of cash to support growth, bridge a financial gap, or face
financial challenges. ABL is best used by companies with quality assets such as
accounts receivable, inventory, and equipment.
Flexible features
Costing features
Cash advanced on collateral including the following:
* Accounts receivable
* Inventory
* Equipment
* Appraised trademarks
Costs typically include the following:
* Annual interest rate
* A collateral monitoring fee
* One-time closing fee
Invoice factoring: Invoice factoring is ideal for companies that regularly issue
invoice receivables to creditworthy customers. This mainstream funding option
does not incur debt. It is the selling of invoice receivables at a discount in
exchange for immediate cash. By utilizing invoice factoring, businesses
accelerate days sales outstanding (DSO) from weeks and months to just a few
hours.
Flexible features
Costing features
* Can be notified or confidential.
* Options include recourse, non-recourse, and off-balance sheet structure.
* 90-day recourse period.
(up to 120 days in some cases)
* No restrictive financial covenants.
Multiple pricing structures:
* Discount pricing
* Flat fee pricing
* Interest based pricing
CONCLUSION
When a company requires business financing, it typically needs it as soon as
possible and as much as possible. In today’s economic environment, financial
pressures often push a company’s capital requirements beyond traditional banks’
ability or willingness to provide. Alternative lenders are servicing the credit
gap created by conventional lenders with fintech capabilities to provide
business financing faster and with greater flexibility.
Look for the industry leaders in alternative lending. Their experience,
resources, and technology advancements provide the best non-bank funding options
for business financing.
About eCapital
eCapital is a rapidly growing leader within the alternative lending space and a
trusted financial partner to thousands of small and mid-sized businesses since
2006. Our experience and technology advancements have set new industry standards
for fast, reliable business financing. Whether a company is managing the
financial stress of growth or seeking financial relief from a sudden recall of
bank financing, our team has the resources and expertise to transition the
organization quickly and seamlessly to reliable cash flow they can count on.
For more information about fast, reliable business financing when its needed,
visit eCapital.com
MORE GREAT READS
Blog
02.14.23
WHAT IS A BORROWING BASE AND HOW DOES IT IMPACT YOUR BUSINESS FINANCING?
Most businesses rely on external financing to support their day-to-day
operations. And in every situation, lenders will require assurances that they
will be repaid in a timely manner. These assurances…
Chantal Giuliani
Blog
01.25.23
WORKING CAPITAL FINANCING FROM ALTERNATIVE LENDERS – WHAT CPAS NEED TO KNOW
CPAs often have a front-row seat to spot the signs when their clients are facing
financial challenges or heading toward a cash flow crisis. This is especially
true at the…
Chantal Giuliani
Blog
01.20.23
FAST BUSINESS FINANCING FOR COMPANIES IN FINANCIAL DISTRESS
Businesses typically face reduced revenues and increased costs during
inflationary periods, economic downturns, or recession. Additionally, they often
encounter restricted business financing as banks intensify credit scrutiny. In
these situations,…
Chantal Giuliani
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