Financial Products What we Finance and how we Finance A/R REVOLVER 70-80% financing on audited receivables not materially aged. Of major import to cash flow. ACQUISITION FUNDING Valuation of target business, structuring of debt/equity and negotiation of purchase price. ASSET-BASED LOANS Funds advanced secured by a credit's balance sheet assets. A lien is taken against pledged collateral. BANKRUPTCY REORGS Under Title XI of Bankruptcy Code, a business is permitted to continue operations while restructuring debts and setting a repayment schedule. We assist businesses with this financial restructuring. CONTRACT MOBILIZATION FINANCING A term loan used to hire personnel, acquire equipment, or to set up a new or expanded market. CONVERTIBLES Hybrid securities incorporating attributes of both debt and equity. CREDITS BELOW BAA Financing alternatives for companies who have a history of earnings losses/volatility and would be considered a higher risk borrower and a less favorable credit. CREDIT ENHANCEMENT FACILITY Collateralized and guaranteed equity financing; loan guarantees structured from borrower, syndicated among the beneficiaries (e.g. suppliers, contractors) and participating financial sources. DEBT ISSUANCE In general a form of loan, bond, or other obligation. STRATEGIC Distribution of a company asset or business DIVESTITURE by one of several means EQUIPMENT LEVERAGE Simple financing of the net realizable value of an asset used over its life in the business. EQUITY OFFERING Ownership in a corporation usually represented by shares of stock. EXPORT FINANCING International leverage using resources in such institutions as OPIC, Export-Import Bank, & SBA export program. FACTORING An expedient way to convert receivables into cash when other short term financing arrangements such as a working capital facility or a revolver are not available. FIRST STAGE FINANCING Initial capitalization to fund the growth phase of a service or product. The management and modus operandi are in place and the markets initially identified are being penetrated using these resources. IMPORT FINANCING Mirror image of export assistance. IPO Registration of a company's stock with SEC to sell equity to the public. Dealing with the numerous reporting and compliance issues that accompany a stock flotation that provides the owner with an established price and a market in which to buy and sell. INVENTORY FINANCING Short term loans for purposes of inventory build-up (raw materials and finished goods). JOINT VENTURE ARRANGEMENTS Location of a corporate partner to further a channel of sales, distribution, manufacturing, etc. LEASES Arrangement for the acquisition of real estate, major equipment or other fixed assets with the provision for the execution of a contract with the user party over the life of an asset. LBO's Buyout of a company's existing ownership using funds guaranteed by the company's assets. MEZZANINE FUNDING When a company has exhausted initial capitalization the funds are required for first or second stage of entity maturity. PRIVATE PLACEMENT Sale of securities to a small group of 35 or fewer investors, making it exempt from SEC requirements. PRIVATIZATION Removal of an entity from public ownership by repurchasing outstanding stock from public shareholders. P.O. FUNDING Funds advanced against a confirmed purchase order. SECOND STAGE FINANCE Funds for expansion of product lines, growth of facilities, penetration into new markets, and the general progression into a "growth company" category. SEED/START-UP Initial financing for the first stage in the maturity of a business. Typically the company's product or service is in place and the company is poised to generate revenue. TURN-AROUNDS Funds advanced against a viable business plan coupled with a competent work-out management team. Please contact us for a free packet of information. Let us know how we can assist you in your financial goals.