Cash Flow Financing

Businesses that need fast access to capital and have steady revenue streams are ideal candidates. It’s best for companies that:

• Want to invest in growth opportunities without taking on traditional debt.
• Experience seasonal revenue cycles or delayed payments.
• Need working capital but don’t want to offer equity or collateral.

There are two main types:
• Term-Based Financing: You receive a lump sum and repay it over a set schedule—usually with fixed payments tied to your cash flow outlook.
• Revolving Credit Access: A flexible credit line you can draw from as needed, with repayments based on your usage and available cash flow.

Cash flow financing gives your business access to capital based on how your business performs, not your asset coverage.

Here’s how it plays out in the real world:

• Construction: You win a new contract but haven’t been paid for the last one. Cash flow financing bridges the gap, covering materials, permits, and payroll so you can keep building without delays.
• Wholesale/Distribution: You need to place a bulk inventory order before peak season hits, but your last shipment hasn’t been paid for yet. Cash flow financing lets you move now, not later.
• Manufacturing: A big order comes in, but you need to fund the production run before receivables from the last job arrive. This financing helps you keep production rolling.
• Transportation: You land new delivery zones and need to onboard drivers and prep vehicles fast. Instead of waiting on invoice payments, cash flow financing keeps you moving.

• Construction: Covers upfront costs while waiting for contract payments.
• Wholesale & Distribution: Helps manage large bulk purchases and supplier payments.
• Transportation & Logistics: Ensures stable cash flow for fuel, maintenance, and new routes.
• Manufacturing: Supports equipment purchases and large production runs.

Yes! When you apply through VAD Group Capital, you can receive funding on a timeline that fits your business needs, often within 24-48 hours.