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WORLDWIDE
ASSET-BASED LENDING - BUSINESS CREDIT
& TRADE FINANCE
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Trade
Finance, Lines of Credit, Revolvers, Purchase Order Financing,
Accounts
Receivable Financing (Factoring) Inventory Financing,
Equipment & Machinery
Financing, Leasing Cash Flow
Finance, Working Capital
& Term Loans |
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Asset-Based
Lending:
Provides with collateral-based loans to meet
the needs of under-capitalized small and midsize and
certain large multinational corporations in select markets
with a full range of asset-based working capital loan
programs for Manufacturers, Wholesalers, Distributors,
Specialty Retailers, Importers and Exporters, Consumer
Service Businesses, Service Providers, Technology and
Communications Companies that can be used for growth
needs, business expansion, acquisitions, mergers, Stock,
Partnership and Management buyouts, turnarounds, reorganizations,
debt restructuring. |
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Purchase
Order Financing:
Purchase order finance supplying capital to
middle markets companies primarily involved in Exporting
and Importing, distribution and manufacturing. With
CCB on your side, those big orders won't escape you.
Your lender risk will be minimized with increased collateral
from your increased profits. In turn, this will enhance
your ability to bag bigger opportunities in the future.
You'll be able to build your customer base with the
confidence to capture orders in the size and numbers
that you otherwise may not have pursued. Your suppliers
will be assured that they will be paid promptly and
thus have the incentive to increase production as your
fulfillment needs grow. Your Customers will have confidence
in your organization knowing that you have the resources
to deliver the goods, as promised. |
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Accounts
Receivable (Factoring) Financing:
Accounts Receivable Financing is a way to get
working capital using your accounts receivable as collateral.
Advances are based on a percentage of your receivables;
Your accounts receivable may be audit on an ongoing
basis. This is perfect for a Start Up Companies, Fast
Growth Companies and turnaround situations. Owner Credit
and Company History is of less Importance in obtaining
the financing. |
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Working
Capital Loans:
Secured by accounts receivable, inventory, machinery,
equipment and real estate. Convert your assets into
working capital and improve your cash flow. In so doing,
you eliminate your credit risk, reduce your costs and
enable you to focus your entrepreneurial energies on
growing your business, develop you marketing skills
and enhance your customer relationships. |
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Lines
of Credit / Inventory Financing:
Whatever your particular financing needs, whether they
are purchasing, restocking inventory, making seasonal
or volume purchases, or taking advantage of trade discounts,
a line of credit that can help you react quickly. A
line of credit is used to ease temporary cash shortfalls.
A "Master Note" is signed when the line of
credit is established. The amount of the note is set
for a dollar amount up to which advances are available.
The interest rate is floating based on an index like
the prime rate. |
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Revolving
Loans:
Also called “revolvers”, accelerate cash
flow by monetizing a balance sheet asset. Revolvers
are typically secured by accounts receivable and inventory,
which can be combined with term loans secured by machinery
and equipment and real estate and other fixed assets
or it is provide based upon the borrower’s cash
flow generation capability to provide small and medium
size companies the opportunity to finance:
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Cash
Flow Finance:
For Corporate acquisitions, leveraged buyouts, recapitalizations,
refinancing, and growth for publicly and privately held
companies.
Cash flow-based transactions provide stand-alone senior
debt, senior debt in combination with mezzanine debt
or equity, and stand-alone mezzanine debt. |
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Loan
Criteria:
Cash flow products are based on perception of a company’s
market value with strong focus on the Company’s
Management, operations, short and medium-term product
demand and its strategic position and potential in the
marketplace-------- |
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There
are two approaches to assessing market value:
1. Business Value Methodology
For business value loans the ideal
criteria for a cash flow-based loan include:
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A significant market position with definitive
barriers to entry
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Historical financial performance with margins
that validate the company’s competitive position
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An experienced management team
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Diversified products, customers, suppliers and/or geographic markets
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Limited risk of technological obsolescence,
product substitution, or significant industry change
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2. Actuarial Value Methodology
For actuarial value loan
the ideal criteria include:
- Highly diversified sources of revenue and cash flow
- Multiple product lines
- Highly diversified customer base
- Possibly multiple operating units (as typically seen in many of the leveraged build-ups or roll-ups that are being done today)
- A compelling strategy
- An experienced management team
- Strong management information systems
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