If running a small to medium-size business was easy and predictable in the sense that you could predict the future, then who wouldn’t own their own business? However, the reality is most small businesses, especially retail and foodservice companies, are often ‘volatile’ enterprises because the influx in business can be rather difficult to predict. As with many things, successfully running a small business is no guaranteed experience, but at The Commercial Finance Group, what we can guarantee is that your business receives the financing that it needs in a time period that won’t leave your company high and dry.

Being Prepared For Unexpected Volumes of Business

Sure, unless you’re a farmer or you always work outside, the four seasons of the year might not directly affect your business. But seasonal fluctuations can still have drastic effects on the volume of business as well as your company’s revenue. If you aren’t familiar with the factors that go into seasonal fluctuation relative to your industry, you could find yourself struggling to make ends meet during the slower times – or, strangely enough – drowning in a sea of chaos as more orders pour in than your business has the capacity for.

Knowing Your High and Low Seasons

Yes, it’s difficult to know when exactly your high and low seasons are, especially if your small business hasn’t been around longer than a year. What you can do is analyze what sales and income that you do have and try and correlate that data with the time of year. If your business is mainly online, you’ll need to check your logs and perform some data analysis regarding search volumes and their corresponding trends.

So How Can CFG Help?

The Commercial Finance Group offers asset-based loans that are perfect for businesses with higher leverage, erratic earnings, or marginal cash flow. Asset-based lending serves your small business as a specialized loan product that provides fully collateralized credit facilities to businesses that may have higher leverage.

By providing the necessary and optimal levels of operating capital that your business needs, we eliminate the need to wait for collections on your accounts receivable. So, you won’t have to wait for payments from your clients, customers or vendors, meaning that your much-needed business capital is available when you need it the most. Additionally, asset-based loans from The Commercial Finance Group can also help your small business by:

  • Allowing for a greater access to capital to fund your business’ rapid and unexpected growth via financing the increases in your accounts receivable and inventory (if applicable)
  • Involving fewer covenant restrictions, which is offset by more transparent reporting and monitoring occurring between the borrower and the lender
  • Providing your business with customizable options tailored to your individual business needs or industry requirements – allowing you, as the borrower, to anticipate a more predictable and stable cash flow

Don’t Wait Another Day With Insufficient Capital

Business operations are often a time-sensitive matter, so your business needs extra capital fast to account for your rapid growth in sales volume. We know that bank financing simply takes too long, and that’s why we can rapidly process an asset-based loan in a fraction of time that it takes other loan providers. Together, we can work to help your business succeed. Learn more about asset-based loans, or contact us now!