Business Financing Insights

A practical walkthrough of referring clients to asset-based lenders after banks stop credit. Definitions of asset-based lending and which tangible assets matter. Honest communication and setting realistic cost expectations. Stricter reporting and oversight requirements. Framing referrals as supportive rehabilitation and finding opportunity in setbacks.

A clear look at asset-based lending and how collateral like inventory and receivables are evaluated. Explains why frequent audits help track changing asset values and spot trouble early. Covers what inventory reviews reveal, the benefit of rotating auditors, and how audits promote transparency and readiness for growth.

They explain why cash flow, not profit, determines a small business's survival using a water-tank metaphor. Learn how disciplined cash flow planning builds credibility with lenders. Discover the idea of a rolling 13-week cash flow plan and practical ways to create one using tools or a contract CFO. Hear clear action steps to start improving cash flow today.

They unpack customer concentration risk and why relying on a few large clients can threaten cash flow. Listens cover how accounts receivable affect lending and the role of asset-based financing. Practical safeguards get attention: clear contracts, payment incentives, and contingency planning. They also discuss limits on single-client exposure and when to push back or walk away.

While it's always tempting to take the lowest-cost business loan, that might not truly be in the best interest of your business. Join us to learn why. (6 min 2 sec) Download Podcast

A concise tour of asset-based lending basics and how it differs from traditional bank loans. Tips on being transparent about challenges and presenting concrete plans. Advice on proving collateral value and keeping meticulous records for due diligence. Discussion of leadership, cash‑flow discipline, and choosing financing for timing and flexibility.

Join Us as We Discuss and Explain Some of The Ins and Outs of Equipment Lending (4 min 27 sec) Download Podcast

Discussion of why traditional banks decline some small businesses and the common financial shortcomings that cause denials. Exploration of how asset-based lenders prioritize collateral value and performance over pure financial statements. Coverage of the discipline ABL imposes by limiting borrowing by asset class. Tips for improving reporting and relationships to regain bank financing.

Alex Fallow, Executive Vice President and Chief Credit Officer at Celtic Capital, breaks down financial covenants and their role in lending. He defines covenant types and explains why banks use them. He covers key ratios like interest coverage and debt-to-worth, contrasts bank vs asset-based lender flexibility, and outlines consequences when covenants are breached.

A concise guide on handing clients to asset-based lenders. Covers why banks exit borrowers and how to prepare them for stricter reporting and collections. Explains clarifying conditions for a possible return and keeping deposit or treasury ties. Emphasizes setting clear timelines and consequences for missed deadlines.