Financial Products | AmRock Financial

Our Financial Products

Lending solutions to fit all of your business needs

At AmRock Financial, our experts specialize in helping business owners & entrepreneurs obtain the capital they need to succeed. By having the right financing in place, businesses can avoid cash-flow challenges, take advantage of their growth potential & increase profitability. AmRock provides direct funding to clients through purchase order finance, inventory & structured trade financing. If we are unable to finance your business directly, we will leverage our long-established relationships with more than 1500 lenders to secure the financing you need to survive & thrive.

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Money Problems?

If you are a fast-growing company or a startup that is still losing money, no problem. Even if you have bad credit, we can convert your accounts receivable into cash overnight, provided you have customers with good credit. If you do not give credit to your buyers, we also have a great new term loan that requires no collateral and can work with bad credit.

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Securing A Business Loan

Every business needs money to operate. Companies that experience rapid growth can find themselves over-reaching through lack of equipment or labor, resulting in a backlog of production and potential loss of customers. New businesses that are still working toward breaking even can require financial assistance to expand their market. Business loans for both of these scenarios can make all the difference to an otherwise healthy and profitable company. Securing a business loan can mean new equipment, upgrading your facility, or increased staffing. No matter the size of your company or industry footprint, maintaining productivity and profitability is crucial to surviving in the marketplace. Optimizing your company’s potential is critical to expansion and growth. Financial support is often required to ensure your longevity on the market, and our trained professionals are ready to assist. We offer the financial backing you need to succeed.

Our professional team has built a reputation worldwide through a network of financial products that could mean the difference between downsizing and industry expansion. No matter your business goals, we can provide business loans and lines of credit that could see you through growing pains and industry changes. Break the glass ceiling and talk to our staff about how you can secure your company's future. 


Our Financial Products

Asset Based Loans

A business loan secured by collateral assets. In most cases, the collateral is accounts receivable, inventory, and/or equipment, and in some cases real estate.

  • Advance of 70 – 95% of receivables
  • Advance of 40 – 85% of eligible inventory or liquidation value. This also includes inventory in transit
  • Rates vary by industry and strength of the company’s financials
  • For businesses selling to other businesses (B2B)
  • Annual sales of $3 million to $2 billion required
  • Advance of 70 - 85% of equipment liquidation value
Accounts Receivable Credit Line

A specific category of asset-based loans in which a company uses its receivables as collateral in a financing agreement

  • Advance of 70 – 95% of receivables
  • A business does not sell their receivables; rather, they are used as collateral
  • Most international receivables need to be insured
  • Invoices over 90 days past due are ineligible
Domestic and international factoring

The transaction of factoring is the very simple process of selling your company’s accounts receivable in order to secure an inflow of cash that is determined by the value of the receivables.

  • Advance rate of 80% – 90% on eligible receivables
  • Most international receivables need to be insured
  • This is not a loan and it will not show up on your balance sheet
  • Single debtor factoring and forfeiting is also available
Inventory Financing

A specific category of asset-based lending where inventory is used as collateral. This type of loan differs highly by industry and type of inventory.

  • The inventory will need to be appraised
  • The advance rate can vary from 40 – 85% of liquidation value of the inventory
  • For businesses with little or no accounts receivable
  • Slow-moving or inventory more than a year old is ineligible
Purchase Order Financing

A business may not always have enough cash to buy the supplies needed to complete an order. With purchase order financing, a company will be able to pay the supplier for the goods needed to complete an order.

  • Advance rate of 50% – 100% of purchase order cost of goods

  • Purchase Order Finance
  • This is a loan tied to specific inventory and purchase orders
Exim Working Capital Loans

Exim Bank's working capital financing enables U.S. exporters to obtain loans that facilitate the export of goods or services. These working capital loans, made by commercial lenders and backed by our guarantee, provide you with the liquidity to accept new business, grow your international sales and compete more effectively in the international marketplace.

  • Advance rate up to 75% on inventory (including work in process)
  • Advance rate up to 90% of eligible international accounts receivable
  • Must be shipped from the United States
  • Products must have at least 50% U.S. content
  • Exim Bank generally guarantees 90% of the loan, including principal and interest
SBA Loans

An SBA loan is a business loan that is guaranteed by the U.S. Small Business Administration (SBA). The SBA essentially guarantees the majority of the loan that is acquired through an approved SBA lender. There are two main funding programs that we offer. SBA 7(a) loan and SBA 504 fall under this program.

    SBA 7(a) loan general terms
  • Maximum loan amount of $5 million
  • Term could be 10 years or 25 years for commercial real estate loans
  • Funds can be used for commercial real estate, working capital, refinancing current debt, or purchasing business supplies and equipment
  • Interest rate could range from 3-8% depending on many factors
  • SBA 504 loan general terms
  • No maximum loan amount but generally $22 million
  • Term 10-20 years
  • For specifically to be used to buy fixed assets like a commercial property or heavy equipment
  • Cannot be used for working capital or debt refinancing
Merchant Cash Advance (MCA)

These advances are based on revenue and provide businesses with funding in as few as three days. Lenders automatically deduct a fixed fee from a business’ bank account until the advance is repaid.

  • Typically 15% – 25% of revenue
  • Terms from 3 – 18 months
  • Can fund up to a 5th position
  • Credit card advances are also available
  • Signers must own at least 50% of the business and have a 500+ credit score
  • NSFs are no problem
Credit Insurance

Credit insurance protects your business against nonpayment of commercial debt. It makes sure that your invoices will be paid and allows you to ​reliably manage the commercial and political risks of trade. AmRock Financial is a licensed credit insurance broker.

  • Tailored products for businesses of all sizes
  • Ensures payment on goods shipped or services rendered in 160 countries worldwide
  • Covers 90% of losses from insolvency and nonpayment
  • Online policy administration simplifies policy management
  • A/R PUTS are also available

  • Credit Insurance
Subordinated Debt (Mezzanine)

Subordinated Debt is a loan that ranks below other senior debt loans. This is perfect for larger companies that need more liquidity on top of a loan from a bank or other senior lender.

  • Revenues of 3 Million+
  • EBITDA of 1 million+
  • Loan size is typically 3 – 5
  • Importers
  • Exporters
  • Traders
  • Distributors
  • Manufacturing
  • Retail Stores
  • Online Retail
  • Services Companies
  • Constructions
  • Healthcare
  • Fresh Produce
  • Telecom
  • Government Contracts

At AmRock we service any industry even if its B2C or B2B

At AmRock We Service Any Industry Even If It's B2C or B2B

  • Importers
  • Exporters
  • Traders
  • Distributors
  • Manufacturing
  • Retail Stores
  • Online Retail
  • Services Companies
  • Constructions
  • Healthcare
  • Fresh Produce
  • Telecom
  • Goverment Contracts
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