Cash Flow Lending

intermediary profile

January 15, 2025

by an intermediary from The University of North Carolina at Chapel Hill - Kenan-Flagler Business School in Charlotte, NC, USA

Does anyone know of any lenders that do cash flow lending for existing businesses? With our size ($1.5M-$3M EBITDA), we are running into some issues with banks that want any lending to be 100% secured by real estate or some other collateral. Most cash flow lending we have seen generally starts at $5M-$7M in EBITDA. We are a services business so assets are fairly light (no inventory or machinery). We are rapidly growing so need an aggressive lender who lends based on cash flow vs. hard/fixed assets. One business has revenue of $20M and other has revenue of about $8M. Would also like this lender to do acquisition financing also based on cash flows. Any ideas or recommendations? Looking ideally for non-SBA lenders. Also not looking for any lenders who want equity.

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commentor profile
Reply by a professional
from Mississippi State University in Austin, TX, USA
Happy to chat and see if there's alignment within our network: redacted you're looking for < $2M you can apply directly on our site for free and start to get matched https://withsenzu.com/capital-solutions/
commentor profile
Reply by a lender
from Eastern Illinois University in 900 E Diehl Rd, Naperville, IL 60563, USA
I would be happy to have a discussion and see if we have any solutions for you. We are a Commercial Loan Brokerage shop with over 500 funding partners including traditional banks and a wide variety of non-bank lenders. You can reach me here or directly at redacted
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