focused on lower middle market debt solutions

 

Benchmarq is leading provider of customized, cash flow-based junior debt financing to lower-middle market companies across diverse industries

 
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At Benchmarq Capital, we are on a mission to democratize access to capital. We believe that current equity-based funding models are inherently misaligned with the interests of business owners, and that too few companies are able to access funding on reasonable terms, with reasonable expectations.

Our financing products let you magnify your profits & demolish your limitations.


 
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Term Loans
Benchmarq Commercial Capital views business equipment as an asset we can loan against. As an add-on product to an Asset-Based Loan or Invoice Factoring, our equipment term loans use the business’s equipment as collateral to add availability to an existing line of credit. Term loan amortization is up to 36 months, allowing companies to finance short-term needs and make investments necessary for long-term growth.

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Inventory Financing
Inventory Financing is a form of asset-based lending that allows a business to borrow against a variety of stock on hand to expand their working capital. We offer Inventory Financing as an add-on to our core Invoice Factoring or ABL product. Our Inventory Financing uses a combination of accounts receivable and physical inventory as collateral.

 
 
 
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Commercial Real Estate (owner-occupied)
Offering best-in-class small balance commercial real estate financing from $500,000 to $5,000,000.

2nd Liens up to 90% CLTV

Loans are structured based on creditworthiness, business cash flow and RE collateral. We will lend in the ranges of $350,000 - $6,000,000 with term of 1-4 years with a monthly payment option. The interest rates are as low as 12% for well-qualified borrowers. Documentation is minimal and funding timeline is within 5-7 business days.

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ABL Financing
Asset-based lending (ABL) is a business loan secured by collateral or assets, including accounts receivable, inventory, and equipment. ABL is typically structured as a revolving line of credit, which allows companies to borrow on a continuing basis to cover investments or expenses as needed. To qualify for ABL financing, companies are generally required to be financially stable and have accounts receivable that can be financed.

 
 
 
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Small Business Loans
Our Small Business Loans are designed to provide fast access to cash for companies with good track records and invoices that can be used as collateral. We can provide small businesses with loans up to $500,000 within 3 days of application. We fast-track the funding process – without cutting corners – to get companies the working capital they need, fast.

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Stretch Financing
Benchmarq Capital has become a leading provider of “Stretch Piece” financing for lower middle market companies. Our 2nd lien/subordinated loans complement existing/new credit facilities and we work in cooperation with and subordinate to commercial banks, asset based lenders, and factors.

 
 
 
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Invoice Factoring
Our core product, Benchmarq Advantage, uses your company’s receivables as collateral, letting you harness the latent cash flow in your unpaid invoices coupled with a Term loan in 2nd lien position. The Benchmarq Advantage can be a key part of your ongoing cash flow strategy. Benchmarq can provide invoice factoring for up to 85% against your invoices plus a term loan up to $500k thus making it easier to pay suppliers, take on new orders, make payroll and a host of other use's.

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AR Financing

We offer a non-notification AR Revolving lines of credit from $250,000 to $6 Million secured by Accounts Receivables, backed by our cloud- based platform. For B2B businesses currently not suited for bank financing.

 
 

Call today to Engage Benchmarq Capital


Working Capital Financing

Working Capital is the day-to-day driver of your business. When you have enough cash on hand, you can hire more, produce more, take on more jobs, and pay less for supplies. Cash makes your company go, and we can get you more of it.

Benchmarq’s Working Capital loans can be in the form of Revenue Based Funding or involve using your Accounts Receivable and other assets as collateral. We can mix and match products to suit your exact financing needs, from the following options:

  • Invoice Factoring

  • Revenue Based Financing (Non-Dilutive)

  • Asset-Based Loans

  • Inventory Lending

  • Term Loans

  • Small Business Loans

  • Stretch

 
 

 
 
 

What is working capital financing or working capital loans?

Working Capital is typically defined as the difference between current assets and liabilities. It is a measure of both the efficiency of a company and the company’s short-term financial health. Here at Benchmarq Capital, our Working Capital loans can help jump-start business growth and expansion.

Qualifying for working capital finance loans

We offer Revenue Based loans or working Capital loans which are know as Factoring or AR Financing, however, don’t let all the names confuse you. Working Capital Finance loans are a great way for a company that is searching for viable options to help fund increased workforce, asset expansion, and other things to help grow the company.

 

 

Apply for a working capital loan today!

Many banking institutions will require you to fill out difficult forms to get the funds you need. The Benchmarq Capital team is adept at making the Working Capital Finance process as simple as possible so you can get the monetary solutions that will help grow your business.

We offer

  • Credit Lines ranging from $100,000 to $6,000,000

  • Terms 6 months to 36 months

  • Nationwide sales, underwriting and funding capabilities

Our clients often have the following needs

  • Growth stage, acquisition, refinance, seasonality, or turnaround

  • Industries include manufacturing, distributing, service, staffing, and transportation - among others

 
 

 
 

ABL Financing guidelines

Take a look at our offerings, and see how we can help. We offer loans from the low 6 figured to 7 figures, plus. From higher reporting to lower risk, and borrowing base to invoice purchase, somewhere on that chart is a loan for your company.

 
 
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