Your business changes every day.Your working capital should keep up.
You have customers to serve, orders to fill, and opportunities worth pursuing. But the cash you need to keep moving doesn’t always arrive when you need it.
Beyondthebank provides working capital financing built around how your business operates, what you’ve earned, and where you’re headed.
QUICK ESTIMATE
What could your business support today?
Estimated funding against your invoices
$900,000 to $950,000
THE CASH FLOW CHALLENGE
Good Business Doesn’t Always Mean Good Cash Flow.
You can be profitable, growing, and doing everything right, yet still find yourself short on the cash needed to operate.
The problem isn’t always how much business you have. It’s how much of your own cash is tied up doing it.
Your employees need to be paid before your customers pay you. Materials have to be purchased before an order ships. A new contract can require more cash upfront than you have available. And when your bank can’t increase your line of credit, those opportunities don’t wait.
Your cash cycle on one job
Your bank’s credit limit doesn’t have to be your business’s limit.
THINK BEYOND THE BANK
Your Bank Isn’t Your Only Source of Working Capital.
Banks serve an important purpose. But traditional business lending often depends on historical financial statements, fixed credit limits, and underwriting standards that don’t fully account for the work you have in front of you.
Beyondthebank takes a different approach.
We look at the value already moving through your business, including receivables, purchase orders, contracts, and other eligible assets, to determine what financing may be available.
That means you may be able to access additional working capital without waiting for another year of financial results or asking your existing bank to take on more exposure.
- Receivables you have already earned
- Purchase orders from your customers
- Contracts you have signed
- Other eligible assets, like equipment
The value already moving through your business, looked at alongside your financials.
You’ve already done the work to earn the business.We help you finance what comes next.
MORE ROOM TO OPERATE
Don’t Let Cash Flow Decide What Your Business Can Do.
The right working capital facility gives you more room to operate, respond, and grow.
THE VALUE ALREADY IN YOUR BUSINESS
There’s More Value in Your Business Than Your Bank Statement Shows.
Contracts
Signed work with future payments can create immediate funding needs.
Receivables
Unpaid invoices may represent capital you can access today.
Inventory & Orders
Customer demand can create financing opportunities before delivery and payment.
Equipment & Assets
Existing business assets may provide additional ways to finance operations.
Traditional lending often starts with what your business earned in the past.
We also want to understand what your business has already sold, delivered, contracted, and has coming due.
Because those details can make a meaningful difference in how much working capital is available and how it’s structured.
Capital Calculator
Example answers to start. Change any of them.
Estimated funding: $900,000 to $950,000.
Estimates are based on your answers and are not an approval or a commitment to fund. Your actual funding amount will depend on a review of your business and supporting documents.
WAYS TO PUT CAPITAL TO WORK
Working Capital That Fits the Way You Get Paid.
Different businesses have different cash flow challenges. Your financing should reflect that.
Receivables Finance
Convert eligible unpaid invoices into working capital, helping you meet operating expenses without waiting for customers to pay.
Learn more →Construction Receivables
Turn progress billings into working capital so your crews, subcontractors and suppliers get paid on schedule while the general contractor pays on its own. Built for subcontractors ready to take on bigger projects.
Learn more →Contract Funding
Help cover upfront costs associated with new projects, including labor, materials, and mobilization, before progress payments begin.
Learn more →Supplier Finance
Finance eligible purchase orders, inventory purchases, and supplier obligations so you can fulfill customer demand without tying up all your operating cash.
Learn more →Equipment Finance
Acquire or refinance eligible equipment while preserving cash for payroll, inventory, and day-to-day operations.
Learn more →BUSINESSES WE KNOW
Built for Businesses That Have Work to Do.
Growing Businesses
B2B companies with solid customer relationships in need of working capital that fits where the business is today, whether you’re growing or working through a turnaround.
Explore →Contractors & Subcontractors
Keep crews working, purchase materials, and take on additional projects while waiting on progress payments and receivables.
Explore →Staffing
Staffing companies running weekly payroll against invoices that pay in 30 to 60 days.
Explore →Wholesalers & Distributors
Purchase inventory, fulfill larger orders, and manage the gap between supplier terms and customer collections.
Explore →Manufacturers
Finance raw materials, production, inventory, and equipment to meet demand without overextending operating cash.
Explore →FROM FIRST LOOK TO FUNDING
A Clearer Path to Working Capital.
You shouldn’t have to spend weeks gathering documents just to find out whether a financing option makes sense. We make it easier to get started, understand your options, and move forward with a financing structure that fits your business.
Complete an Application
Complete our secure online application and upload your documents. Save and come back anytime.
~10 to 15 minutes
Credit Review
Our credit team reviews your application and issues indicative terms, so you know what your business can support and what comes next.
~1 to 2 business days
Provide Supporting Documents
If you move forward, provide the documents listed on your term sheet.
Put Your Capital to Work
Review the final terms, complete closing and access your funds.
~7 to 14 business days from application to funding
BETTER TOGETHER
You Don’t Have to Leave Your Bank to Go Beyond It.
An existing bank relationship is valuable. We understand that.
But your bank may not offer every type of working capital financing your business needs. Its credit limits, collateral requirements, or lending policies may leave a gap between the capital you have and the capital you could use.
Beyondthebank can help you explore financing that complements your existing banking relationship, subject to lender agreements and collateral requirements.
Keep the relationship you’ve built. Explore additional ways to finance the business you’re building.
The capital your business could use
STRAIGHT ANSWERS ARE PART OF THE DEAL
Questions Worth Asking Before You Apply.
No. Many businesses use non-bank financing alongside traditional banking relationships. You can explore additional working capital whether your bank has declined a request or you simply want to understand your options.
Not necessarily. Requirements depend on the financing facility, existing liens, and how payments and collections will be handled.
It depends on the financing structure. Some receivables financing arrangements require customer notification or payment instructions, while others may offer different collection arrangements. We’ll explain those requirements before you proceed.
That depends on your business, the quality and amount of eligible receivables or other collateral, customer payment history, and the financing structure. Our initial review helps determine what may be available.
Timing depends on the financing program, documentation, underwriting, and closing requirements. We’ll give you a realistic picture of the process once we understand your needs.
There’s no fee or commitment when you apply. Our application documents are what we need to see to make you an offer, and an offer is what you need to see to make a decision. Any applicable financing fees and costs will be disclosed before you agree to proceed.
YOUR NEXT MOVE STARTS HERE
You’ve Got Business to Do.Let’s Talk About the Capital.
The next order, project, or opportunity shouldn’t depend entirely on when your last customer pays.
Tell us a little about your business and what you’re trying to accomplish. We’ll help you understand what working capital options may be available and what it takes to move forward.