Cashflow Series Part 3: Important Cash Flow Ratios

Important Cash Flow Ratios

A cash flow statement shows the inflows and outflows of cash for your business. Our Cash Flow Series Part 1 offers information on how to prepare a cash flow statement. Once your statement is prepared, data gleaned from it can be used to calculate specific financial ratios that indicate how liquid and viable your company is. If you are planning … Read More

Cash Flow Series Part 2: How Lenders Look at Cash Flow Ratios

How Lenders Look at Cash Flow Ratios

When your company needs additional capital to bridge a transitional period or finance new growth, you may be looking for a commercial loan. It’s helpful to know in advance what kind of company financial information a lender may want to evaluate. Cash flow ratios are not only important to your company, they are also very important to lenders because of … Read More

Gibraltar Funds $10MM Credit Facility for Sponsor-Backed Specialty Chemicals Company

Gibraltar Funds $10MM Credit Facility for Sponsor-Backed Specialty Chemicals Company

Gibraltar Business Capital has a history of forming strong relationships with financial sponsors, focusing on creative ways to support their portfolio businesses in gaining financial security and optimal growth. Gibraltar recently closed on a $10 million credit facility for a sponsor-backed specialty chemical business located in the Southwest. Operating Challenges Create Transitional Revenue Volatility The company performs contract blending, compounding … Read More

3 Examples of How Unconventional Assets Were Used to Finance Working Capital

Gibraltar Business Capital knows that no two businesses are alike, but every single one needs a reliable flow of working capital. Gibraltar specializes in helping small and mid-market companies meet their capital needs in ways that are as unique as the companies themselves. Traditionally, lenders look to set availability for working capital lines of credit based on standard asset types, … Read More

Where Do Companies in Distress Turn? Gibraltar Business Capital

companies

Small and mid-market companies can find it difficult to raise capital or secure traditional lending when in turnaround mode. At Gibraltar Business Capital, we look beyond financial statements and earnings fluctuations to help companies pull out of unexpected hardships. “Many companies, no matter how big or small, go through difficult periods,” said Scott Winicour, Gibraltar Business Capital President. “For companies … Read More

Speed to Close Essential When Securing Working Capital

Often, businesses need funding in a matter of days, not weeks or months. Whether solving a challenge or harnessing a new opportunity, business owners and their advisors don’t always have time to spare. At Gibraltar Business Capital, we understand the unique needs of small and mid-market companies and recognize that long application and underwriting processes don’t cut it. “Working capital … Read More

Gibraltar Rounds Out November by Closing 2 New ABL Credit Facilities totaling $7.7MM

Gibraltar Business Capital recently closed two new asset-based funding credit facilities to help private companies advance their productions during short-term transitional periods. One was a $4.5MM credit facility for CDA Inc., a Charlotte, N.C.- based maker and supplier of optical storage media. Founded in 2000, CDA has been able to grow market share at a time when optical storage media, … Read More

How Do You Contact My Customers?

Throughout Gibraltar Business Capital’s 13-part video series focused on factoring, President Scott Winicour explains aspects of the factoring process. In this video installment, he discusses how factors mitigate risk by contacting customers – and Winicour also highlights how instead of simply verifying invoices, Gibraltar uses a quality assurance program as a tool for contacting customers. “All factoring companies are taking … Read More

How Does Gibraltar Evaluate Risk for Factoring Transactions?

Gibraltar Business Capital provides stability during periods of transformation for small and mid-market businesses. In the seventh video in a multi-part video series, Gibraltar President Scott Winicour talks about how Gibraltar evaluates risk and pricing based on accounts receivable balances. “A factor will look at the credit worthiness and the likelihood and willingness of your receivables to pay in a … Read More

Ask a Small Business Financing Expert: When Do Companies Need Working Capital Finance?

In another installment of Ask a Small Business Financing Expert, Dan McCallum, Gibraltar Business Capital vice president, answers two important questions: When do companies need working capital finance most? What is working capital finance best used for? Working capital is a common measure of liquidity, or the amount of cash on hand to handle the day-to-day operations of running a … Read More