Aircraft Financing
Whether you’re an individual seeking to purchase a personal aircraft or a company looking to upgrade your fleet, aircraft financing offers tailored solutions to suit your aviation aspirations.
Aircraft financing encompasses a range of options designed to make aircraft ownership and expansion feasible. It provides access to the capital needed to acquire new or used aircraft, covering everything from small personal planes to commercial jets. With the complexities of aircraft transactions, financing ensures you have the resources to navigate the skies confidently.
- Loan amounts from $3M to $30M in the USA, Brazil, and Mexico.
- Primarily to the personal and/or corporate user.
- Abroad, up to 70% of purchase price, for up to 10 years, with a floating rate around 8.5% today.
- No pre-determined max advance rate in the US.
- Time to close: In the US, 1 week approximately. Internationally, 3 weeks up to 3 months.
Accounts Receivable
With an accounts receivable credit line, businesses can access working capital quickly, rather than waiting for customers to pay their invoices. The lender typically collects the payments directly from the customers, deducts any applicable fees or interest, and releases the remaining funds to the business. This form of financing provides companies with greater liquidity and cash flow management, enabling them to cover operational expenses, invest in growth initiatives, and seize new opportunities. Accounts receivable credit lines are particularly beneficial for businesses with outstanding invoices and seasonal or fluctuating revenue patterns.
- Loan amount from $200K to $100M
- Revolving credit line.
- Advance of 70 – 95% of account receivables (domestic and international).
- Interest rates are set using SOFR or Prime plus 1% to 6%. Rates vary by industry and strength of the company’s financials.
- Businesses selling to other businesses (B2B) or (B2C).
- Most international receivables need to be Credit Insured.
- Invoices over 90 days past due are ineligible.
- USA or Canada.
Accounts Payable
With an accounts receivable credit line, businesses can access working capital quickly, rather than waiting for customers to pay their invoices. The lender typically collects the payments directly from the customers, deducts any applicable fees or interest, and releases the remaining funds to the business. This form of financing provides companies with greater liquidity and cash flow management, enabling them to cover operational expenses, invest in growth initiatives, and seize new opportunities. Accounts receivable credit lines are particularly beneficial for businesses with outstanding invoices and seasonal or fluctuating revenue patterns.
- Credit lines range from $200K to $5M.
- 80% to 100% advance of the cost of goods.
- Business must be profitable.
- Pay back in up to 120 days, extending your payables.
- Unsecure loan. No UCC filing. You can still work existing credit facilities.
- USA or Canada.
Asset Based Loans
With an Asset based Loan, you can utilize your company’s assets, whether it’s inventory, equipment, or accounts receivable, as collateral to access the funds you need quickly and efficiently. It provides businesses with the flexibility to access capital quickly and efficiently, as the loan is backed by tangible assets. This type of financing is particularly beneficial for companies experiencing rapid growth, seasonal fluctuations, or financial challenges, as it allows them to unlock the value of their assets to fund working capital needs, expansion projects, acquisitions, or debt restructuring.
- Loan amount from $1M to $100M (larger amounts can be syndicated).
- Revolving credit line.
- Advance of 70 – 95% of account receivables (domestic and international).
- Advance of 50 – 85% of eligible inventory or liquidation value. This also includes inventory in transit.
- Interest rates are set using SOFR or Prime plus 1% to 6%. Rates vary by industry and strength of the company’s financials.
- Businesses selling to other businesses (B2B or B2C) USA and Canada.
Credit Insurance
Credit Insurance protects your business from non-payment 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.
We offer credit insurance policies from private carriers like Allianz, CoFace, Atradius, Zurich, AIG, Allied, FCIA, and others. By insuring your accounts receivables banks and non-bank lenders are more inclined to issue a loan as it mitigates some of the risk considering that Account Receivables represent about 40% of most companies’ assets.
- 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 non-payment.
- On-line policy administration simplifies policy management.
- Early warning system alerts you to a customer that is having financial difficulty.
- Single debtor or multi debtor policy.
- Factor policy also available.
- Access to a database with proprietary information on 40 million companies' assets.
Equipment Financing
Equipment financing is a type of business financing that allows companies to acquire the equipment they need for their operations without making a large upfront payment. It enables businesses to obtain the necessary machinery, vehicles, technology, or other types of equipment by securing a loan or lease specifically for the equipment’s purchase or lease. Equipment financing is commonly used by various types of businesses, including manufacturing companies, construction firms, transportation companies, medical practices, technology companies, and more.
- Loan amount $500K to $30M
- 2 to 5 year term loans, lease or sale and lease back options.
- Advance rate of 70% – 85% of net liquidation value.
- An appraisal on the equipment will need to be perform.
- Interest rates are set using Prime plus 3% to 10%. Rates vary by industry and strength of the company’s financials.
- Businesses selling to other businesses (B2B) or (B2C).
- USA and Canada.
Factoring
Domestic and International
Domestic and international factoring are two variations of accounts receivable financing that provide businesses with working capital by converting their unpaid invoices into immediate cash. The key difference between the two lies in the geographical scope of the invoices involved. Both domestic and international factoring offer businesses the advantages of improved cash flow, reduced credit risk, and efficient receivables management. The choice between the two depends on the nature of a company’s customer base, whether they are primarily local or spread across international markets.
- Loan / facility amount $200K to $100M
- Revolving credit facility.
- Advance rate of 80% – 90% on eligible receivables.
- Interest rates are set using SOFR or Prime plus 1% to 6%. Rates vary by industry and strength of the company’s financials.
- Factor fees range from 1% to 2% per invoice amount.
- 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.
- Businesses selling to other businesses (B2B).
- USA, Canada, Latin America, Europe, Africa, Middle East, and Asia.
Inventory Financing
Inventory financing is a type of short-term or working capital loan that allows businesses to borrow money using their inventory as collateral. This form of financing is particularly useful for companies that need to maintain a large amount of inventory to meet customer demand but may face cash flow challenges in the interim.
- Loan amount $500K to $20M
- Revolving credit line.
- Advance rate of 70% – 85% of net liquidation value.
- An appraisal on the inventory will need to be perform.
- Interest rates are set using Prime plus 6% to 12%. Rates vary by industry and strength of the company’s financials.
- Businesses selling to other businesses (B2B) or (B2C).
- USA and Canada.
Merchant Cash Advance (MCA)
A merchant cash advance (MCA) is a type of financing option for businesses, particularly small and medium-sized enterprises (SMEs), that need quick access to capital. It is not a traditional loan but rather a cash advance against a business’s future credit card or sales.
- Loan amount $20K to $5M
- Term loan from 3 to 12 months.
- Loan amount is based on monthly revenue.
- Factor rates range from 1.2 to 1.5.
- Financing could take days.
Mezzanine Financing (Sub Debt)
Mezzanine Financing , often referred to as “sub debt,” is a type of debt that ranks lower in priority compared to other types of debt in the event of a company’s liquidation or bankruptcy. Subordinated debt holders have a lower claim on a company’s assets than senior debt holders, which means they are repaid after senior debt holders in case of default or insolvency. As a result, subordinated debt carries higher risk, and investors typically demand higher interest rates to compensate for the increased level of risk.
- Loan amount $1M to $50M
- Term Loans range from 2 to 5 years and normally the lender wants to make sure the Senior lender has the same term.
- Lenders lend on a multiple of EBITDA and it ranges from 1-5 times EBITDA depending on the industry.
- Interest rates range from Prime plus 4% to 8% .
- Some lender may require options or warrants in addition.
- USA only
Purchase Order Financing
Purchase order financing is a specialized form of financing that helps businesses fulfill large customer orders when they lack the necessary funds to cover the production or purchase costs. This type of financing is particularly beneficial for businesses that face cash flow constraints, have limited access to traditional financing options, or experience rapid growth.
- Loan amount $200K to $50M
- Revolving credit line.
- Advance rate of 70% to 100% of P.O. amount of cost of goods.
- PO fees range from 1.5% to 3% per 30 days of funded amount.
- Could fund purchase orders that are dropped shipped.
- Could fund purchased orders that go in-and-out of your warehouse.
- Could fund purchase orders that require processing, manufacturing.
- Businesses selling to other businesses (B2B) or (B2C).
- USA and Canada.
Real Estate Loans
Commercial real estate loans can be obtained from various sources, including traditional banks, credit unions, private lenders, and specialized commercial mortgage lenders. These loans typically have different terms and structures than residential mortgages due to the higher risk and more complex nature of commercial properties.
- Loan amount $500K to $50M
- 20 to 25 year amortization
- 70% - 80% LTV advance
- Interest rates ranges from 5-year or 10-year Treasury plus 3.50% to 7%
- USA only
SBA Loans
SBA loans are a type of financing provided by the U.S. Small Business Administration (SBA) to support small businesses. The SBA does not directly lend money to businesses; instead, it guarantees a portion of loans made by participating lenders, which are typically banks or credit unions. This guarantee reduces the risk for lenders, making it easier for small businesses to access capital that they might not qualify for through traditional lending channels.
SBA 7(a) Loan: This is the most common and versatile type of SBA loan. It can be used for a wide range of business purposes, including working capital, equipment purchase, real estate acquisition, debt refinancing, and more.
SBA 504 Loan: This loan program is designed to help small businesses acquire fixed assets, such as commercial real estate or heavy machinery. It involves a partnership between a Certified Development Company (CDC) and a lender. The CDC provides up to 40% of the project cost, the lender covers 50%, and the borrower contributes a down payment of at least 10%.
SBA Express Loans: This program provides a streamlined application process and faster approval times for smaller loans (up to $350,000).
- Loan amount from $350K to $5M
- 10 years terms loan.
- Advance rate is based on cashflow and assets.
- USA only.
Trade Financing
Trade financing is solutions and instruments designed to facilitate international trade transactions between buyers and sellers. It provides businesses with the necessary funds to support their import and export activities, bridge the gap between the production and payment cycles, mitigate risks, and ensure smooth and efficient trade operations.
Trade financing plays a crucial role in facilitating global trade by reducing financial barriers, managing risks, and providing businesses with the necessary funds to engage in international transactions. It enables businesses to seize opportunities, expand their market reach, and maintain healthy cash flow throughout the trade cycle.
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- 305-440-8480
- applications@amrockfinancial.com