Financing Options
for Every Goal

Leverage your existing business assets—inventory, equipment, and receivables—as collateral to unlock growth capital without diluting equity.

• Borrowing base tied to eligible assets
• Flexible structure scales with business growth
• Available to companies with strong assets but complex financials
• Useful for turnarounds, acquisitions, and rapid expansion

Lump-sum capital for business expansion, marketing, new product development, or opening additional locations. Competitive rates for established businesses with strong financials.

• Fixed and variable rate options available
• Terms from 1 to 10 years depending on use of proceeds
• Use of funds flexibility — expansion, acquisition, renovation
• Working with banks and alternative lenders for competitive quotes

Permanent financing for commercial property acquisitions and refinances. We connect you with lenders offering competitive rates on office, retail, industrial, multifamily, and mixed-use assets.

• Purchase and refinance for all commercial property types
• Competitive long-term fixed and variable rates
• Loan-to-value ratios up to 75–80% for qualified borrowers
• Non-recourse options available through select lenders

Staged disbursement loans covering the full development cycle—materials, labor, permits, and carrying costs. Designed to convert to permanent financing at project completion.

• Draws released as construction milestones are met
• Covers ground-up construction and major renovation
• Can be structured as a single-close construction-to-perm loan
• Available for residential, commercial, and mixed-use development

Finance the machinery, vehicles, and technology your business needs to operate and grow—without tying up working capital.

• Equipment itself serves as collateral
• Potential Section 179 tax deduction advantages
• Terms typically aligned to useful life of equipment
• Available for new and used equipment purchases

Convert outstanding invoices into immediate working capital. Ideal for businesses with strong receivables but slow-paying customers affecting cash flow.

• Advance rates typically 80–90% of invoice face value
• Approval based on customer creditworthiness, not yours
• Speeds up cash conversion cycle significantly
• Available for B2B businesses across most industries

Asset-based financing secured by the property value rather than borrower credit. Ideal for investors who need fast access to capital for acquisitions, fix-and-flip projects, and time-sensitive real estate deals.

• Fast close times — often 7 to 14 days
• Asset value drives approval not credit score
• Available for fix-and-flip, bridge, and rehab projects
• Short-term with flexible exit strategies

Revolving credit facilities that give businesses flexible access to capital. Draw when you need it, repay it, and reuse it—without reapplying.

• Revolving structure — draw, repay, and reuse
• Secured and unsecured options available
• Ideal for seasonal businesses and fluctuating cash flow
• Interest only on amounts drawn

Government-backed loans offering favorable terms that conventional lenders can't match. Lower down payments, longer amortization periods, and access to capital for businesses that may not qualify for conventional financing.

• SBA 7(a) for working capital and business acquisition
• SBA 504 for real estate and equipment with low down payment
• Government guarantee reduces lender risk and improves terms
• Up to 25-year terms on real estate-backed loans

Bridge the gap between receiving a large purchase order and fulfilling it. PO Finance funds your supplier directly so you can take on contracts that exceed your available working capital — without diluting equity or missing the opportunity.

• Funds supplier directly against confirmed purchase orders
• Enables businesses to take on contracts beyond their cash capacity
• Works alongside AR financing for full order-to-collection cycle coverage
• Available to businesses with strong purchase orders but limited liquidity

Most banks decline Federal Government contractors because perfecting a security interest in Federal AR is legally complex and operationally difficult. CCC has access to a specialty lender that understands this space — financing Federal contractors across the full cycle from Purchase Order through Accounts Receivable, including Inventory and raw materials.

• Financing from PO through AR — including inventory and raw materials
• Designed specifically for Federal Government contract receivables
• Fills the gap most commercial banks won't touch
• Available to contractors with confirmed Federal contracts

Optimize cash flow across your supply chain without straining supplier relationships. Supply chain finance programs allow buyers to extend payment terms while giving suppliers the option to receive early payment through a third-party financier — improving liquidity on both sides of the transaction.

• Reverse factoring: suppliers get paid early, buyers keep extended terms
• Funded against approved payables — lower cost than traditional borrowing
• Strengthens supplier relationships and reduces supply chain risk
• Available to buyers with strong credit ratings and established vendor networks

Short-term financing that bridges the gap between an immediate capital need and a longer-term solution — a sale, refinance, construction takeout, or stabilization of a property. Typically 6 to 24 months. Asset-based underwriting with fast close times for time-sensitive transactions.

• 6- to 24-month terms — fills gaps conventional lenders won’t
• Covers acquisition, renovation, and stabilization periods
• Underwritten on asset value and exit strategy, not just cash flow
• Fast close — often 10 to 21 days for qualified borrowers

Structured financing for buying an existing business — one of the most complex and high-stakes capital events a borrower will navigate. CCC structures the full package: SBA 7(a) where eligible, conventional term debt, seller financing coordination, and earnout structures — then matches to lenders with proven acquisition track records.

• SBA 7(a) eligible — up to $5M with as little as 10% down
• Conventional term debt for larger or non-SBA-eligible deals
• Seller note and earnout coordination for full capital stack
• Lender-ready package built around normalized cash flow and DSCR

Debt Service Coverage Ratio loans underwrite the property’s income — not the borrower’s personal tax returns. Ideal for real estate investors with strong rental cash flow who may show limited personal income on paper. No W-2s, no personal income verification. The property qualifies itself.

• Underwritten on property cash flow — personal income not required
• No W-2s, tax returns, or personal income documentation
• Available for single-family, multifamily, and short-term rental properties
• Ideal for investors who hold multiple properties or self-employed borrowers

Short-term financing to cover payroll, rent, inventory, and day-to-day operating expenses. Fast approvals with flexible repayment terms.

• Fast approval — often same or next business day
• Flexible repayment structures including daily and weekly options
• No collateral required for many working capital programs
• Ideal for businesses with strong revenue but tight cash cycles