Business Working Capital
Working capital affects many aspects of your business, from paying your employees and vendors to keeping the lights on and planning for sustainable long-term growth.
Helps businesses get unsecured cash credit lines and other types of financing with relative ease
~ Bradford Bach • Chief Technology Officer at President Container Group
Get the funding you need while, experiencing a streamlined process.
Schedule a 15-30 Minute Complimentary Call
Diamant Carré is different from others funding sources. We offer clarity.
We help you focus on where you need to be in five years, and we know how to get you there. Our “five years forward” model helps avoid last-minute costs and disruptions, along with keeping you fully aware of what all the other companies are doing within your industry.
We look at working capital in a business, like the gas in a car. Having some is obviously necessary, but how much you need is determined by how far it is to the next gas station. Many lenders leave out this operational time element in their servicing of clients and their working capital loans. At Diamant Carré, it is one of our core pillars of service.
There’s truth to the old banker’s expression that “You should borrow money when you don’t need it.” When cash flow is great and the checking account is full at the bank, who looks to take out a working capital loan? The smart people do. This is when your business looks most credit-worthy. Borrow then, and you get the highest loan-to-value (LTV), the lowest rate, the longest maturity and often, interest-only payments for the first few years. When you wait until you are in need of it, you are often a much less attractive customer to a lender.
There are ways to make you more attractive to a specific lender. We know them. Whether you are looking for an:
- Unsecured line of credit,
- Business loan,
- Flooring line,
- Asset-based lending or
- Other working capital structures,
try the loan programs we offer. They are specific by industry and suitable for different financial circumstances.
We often discuss these ideas on our Ideas Which Help You Grow emails and our Growth Webinars. You can sign up for the emails and webinar notifications free in the bar at the top of the page.