This document provides descriptions of various capital financing products offered by Liquid Capital including factoring, purchase order financing, asset-based lending, export financing, equipment leasing, working capital advances, top up financing, and revenue-based funding. It outlines the target clients and typical funding amounts for each product, with factors like company size, industry, and annual revenues determining eligibility. Liquid Capital aims to offer customized and flexible working capital solutions to businesses across North America through a network of local professionals.

1. LIQUID CAPITAL PRODUCT MATRIX
PM105 05/16
PRODUCT DESCRIPTION TARGET CLIENT FACILITY SIZE
Factoring
Factoring is a business financing solution which turns
accounts receivables into immediate cash, reducing 30 day
terms to just 1 or 2 days. This payment provides liquidity to
the client.
Small to mid-size businesses that
have cash flow problems because
they cannot wait the usual 30 to
90 days for customers to pay invoices.
Annual revenues of $500,000 to over
$10 million.
Typical size of line
from $20,000 to over
$2 million.
Purchase
Finance
Program
(PFP)
PFP is a financing solution that helps businesses procure
goods or equipment on more favorable terms than offered by
the client’s supplier. The PFP financing does not interfere with
the client’s existing financing.
Clients typically tap into this financial
solution when they need more working
capital to support growth, or to take
advantage of time-limited offers such
as a bulk sale through their supplier
network. Annual revenues of $500,000
to over $25 million.
Typical purchase activity
of $5,000 to over
$500,000 per month
on a revolving or a spot
basis.
Purchase
Order
Finance
(PO)
Purchase order financing is used to fund the production or
importation of finished goods or value added products by a
third-party manufacturer. The products must be pre-sold and
the manufacturer can be domestic or foreign.
Small to mid-size companies with large
purchase orders. Annual revenues of
$500,000 to $25 million
Typical size of line
from $50,000 to over
$5 million.
Asset
Based
Lending
(ABL)
ABL is a form of commercial financing where a client’s
collateral such as accounts receivable, inventory or
equipment determines the amount of the borrowing base
and the amount of financing available to the client under
the ABL line.
Small to mid-size businesses that do not
qualify for bank lines or are growing too
fast for a bank line to be adequate to
fund their growth. Annual revenues from
$2 million to over $25 million.
Typical size of line
from $1 million to over
$5 million.
Export
Financing
Export financing is the use of either Factoring or ABL to
provide working capital for a client’s export sales to foreign
customers. Many banks and finance companies will not
provide financing for sales to foreign customers, but Liquid
Capital offers financing for export sales.
Clients that export goods/services to
foreign corporations and wish to protect
themselves against the risk of default
of their clients. Annual revenues of
$2 million to over $25 million.
Typical size of line
from $50,000 to over
$5 million.
Equipment
Leasing
Equipment leasing is the process of securing the use of
computers, machinery and other types of equipment under
a lease for a specific period of time. There is often a buy-out
provision at the end of the lease term. Equipment leasing can
provide a client with additional working capital without impacting
existing financing for the business.
Equipment-related leases are especially
helpful when the need for a given
piece of equipment is only temporary.
Annual revenues of $500,000 to over
$250 million.
Typical size of lease
from $25,000 to
$1 million.
Working
Capital
Advance
Cash advances are provided based on the expected future
revenues of a business in light of recent past performance.
The advance is unsecured and is typically payable over a
six to twelve month period.
Small businesses that may lack
adequate capital during the early stages
of opening their business. Annual
revenues of $500,000 to over $5 million.
Typical advance from
$20,000 to $500,000.
Top Up
Financing
Top Up Financing is a highly-flexible financing option that
provides a lump sum advance based on the reserve amount
of your A/R—a number that can amount to between 75% and
100% of one month’s revenue. This solution is only available
to existing A/R factoring customers.
Small business that require capital
to fund a time sensitive business
opportunity but don’t have any new
invoices in the pipeline to qualify for
additional factoring.
Typical advances range
between 75% to 100%
of one month’s revenue.
Revenue
Based
Funding
Revenue-based financing allows the client to inject capital
into their business in return for a percentage of its revenue.
Payments rise and fall with the performance of the business and
continue until the initial capital plus a predetermined amount
is repaid. These payments are expected to last about 2 to
5 years.
Small or medium sized business that
do not qualify for factoring and have
been in business for at least three years.
Annual revenues must be greater than
$500,000.
Typical advances range
from $200,000 to
$2,000,000
Why Liquid Capital
Liquid Capital is a full-service working capital and trade finance company. We have the largest geographic footprint of alternative funding professionals in North America,
offering clients a customized and flexible approach with local decision makers. We offer a complete range of solutions for all industries and provide immediate financing
upon approval with no long term contracts or hidden fees. At Liquid Capital, we help you grow your business.
To learn more about Liquid Capital,
please contact Mark Coyle at 727-329-6030
or visit www.bayarealiquidcapital.com today.