Business Financing Built Around Cash Flow, Assets and Purpose

Whether a company needs working capital, equipment, refinancing or a larger operating facility, the request must align with repayment capacity, collateral, reporting quality and the intended use of funds.

Monty Capital assesses the business and determines the most credible structure before approaching suitable banks, institutional lenders, asset-based lenders, equipment-finance providers, factors or alternative capital sources.

Facilities We Help Structure

• Operating lines of credit for recurring working-capital needs.
• Term loans for equipment, renovations, expansion and defined investments.
• Accounts-receivable financing, factoring and asset-based facilities.
• Equipment financing and leasing.
• Business debt consolidation and refinancing.
• Cash-flow and alternative term financing where conventional structures are not appropriate.
• Government-supported business financing programs where the borrower and purpose qualify.

What Lenders Need to Understand

A credible request explains the company’s ownership, management, operations, historic performance, current banking, debt obligations, cash-conversion cycle, use of funds and repayment source. Where results have changed, the lender also needs a supportable explanation and current evidence.

Our Role

• Review the request and identify material credit issues.
• Develop the proposed facility and repayment structure.
• Prepare a lender-facing business and credit summary.
• Coordinate financial statements, interim results, bank statements and supporting schedules.
• Approach suitable financing channels.
• Manage lender questions, term comparisons and closing conditions.

What to Prepare

• Two to three years of financial statements, where available.
• Current interim financial statements and recent business bank statements.
• Corporate ownership, existing debt and security details.
• Receivables and payables aging where relevant.
• Business plans, projections and assumptions when future performance supports the request.
• Quotes, contracts or acquisition documents tied to the use of funds.

Discuss a Business Financing Requirement

Share the amount required, intended use, timing and current banking situation. Monty will identify what is required for an initial assessment and explain the next step.