Working Capital

Working Capital

Criss-Cross Financial Group is a national leader in providing accounts receivable and equipment financing to small and middle market companies. We assist businesses in meeting their working capital and equipment needs to drive growth, fund acquisitions, improve liquidity and fund restructures. With extensive experience in a broad array of industries, our clients know that a responsible and reliable financial partner makes the difference. Criss-Cross Financial Group is dedicated to providing superior financing products with individualized account management for small to middle market companies across the nation.

accounts receivable loans

Receivable financing, also known as factoring, is a method used by businesses to convert sales on credit terms for working capital. Financing accounts receivable has become the preferred financial tool in obtaining flexible working capital for businesses of all sizes. The receivable financing is determined by the financial strength of the customer (Buyer), not the client (The seller of the receivables).

At Criss-Cross Financial Group, our receivable financing program is a flexible and quick source of funds for businesses. We simply utilize your client’s accounts receivable as the collateral and advance funds against the face value of your invoices. Financing Receivables allows your client’s credit line to grow proportionately with their sales cycle. We can fund as little as $5,000 a month and up to $10 million for larger companies.

Program Highlights

    • Optional Structure Prime Rate +2% & Admin Fee
    • No financials - No monthly minimums - No invoice minimums
    • No facility fees - No audits - No up-front fees - No hidden fees
    • Set up account in 3 to 5 working days - 24 hr funding thereafter
    • Receivable credit lines starting at 5,000 & up to 10 million
    • We Make Same Day Decisions

Contact us today to see how Criss-Cross Financial Group can assist you and your client increase business cash-flow!

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Merchant Cash advance loans

Merchant Cash Advance is an innovative alternative to a traditional small business loan. Our lending partners utilize your expected future credit and debit card sales to be able to provide you with working capital so you can put your business plans into action. So instead of fixed daily payments, the repayment for an MCA is completely flexible and works alongside your natural cash flow. During the length of your payback period, a small percentage of your daily credit/debit card sales is withheld until the advance is paid in full. This allows businesses the flexibility to make lower payments during periods when cash flow slows down. With this loan product, you can get anywhere from $5,000 to $1,000,000 in funding for your business, and have it in your account in just days!

A Merchant Cash Advance might be right for you if:

  • Your business accepts credit cards as a form of payment from customers
  • You are looking for a flexible loan product
  • You don’t want to pay monthly minimums
  • Your sales tend to fluctuate so you want to pay as you go
  • You’re looking for a fast and simple financing solution

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invoice/PO finance

Invoice factoring and purchase order financing can give your profits a powerful boost by giving your company the cash it needs to address these growth impairing constraints. We can end the cash burdens that keep you from fully addressing your business’s needs with our invoice factoring and purchase order financing solutions. Financing is provided primarily based on the credit of the entities that owe your business money for the goods and services you deliver, and on the value of your inventory. Truly unique funding sources are something you can’t find at a bank or traditional lending company. You choose which invoices or accounts receivable to sell and whether to take full or partial advances. Your discount rate can be as low as 1.25% per month, along with an advance rate of as much as 90% up front!

  • Your business accepts credit cards as a form of payment from customers
  • You are looking for a flexible loan product
  • You don’t want to pay monthly minimums
  • Your sales tend to fluctuate so you want to pay as you go
  • You’re looking for a fast and simple financing solution

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equipment finance

At Criss-Cross Financial Group a few of our specialties are Equipment Financing, Asset-Based Lending, and Business financing, on a wide variety of different assets and projects both domestically and internationally. We offer cutting edge financial products far more superior to anything in the marketplace. Our experienced sales and underwriting professionals have over a century of experience in structuring financial transactions. We take into consideration our customers’ specific businesses needs, equipment requirements and tax implications, allowing us to provide the right financial solution for each of our customers.

Criss-Cross Financial Group’s equipment finance specializations include, but are not limited to, transportation equipment (trucks, trailers, buses, shipping containers, blue and brown water vessels), aircraft, energy services equipment (oil field service vessels, remotely operated vehicles and drilling rigs), construction equipment, material handling equipment, mining equipment, manufacturing equipment, food processing equipment, oil and gas related equipment, medical equipment and technology, among others. CFG’s lending partners also provides various Small Ticket Equipment Finance programs, Business Loans and sign and go programs up to $250,000 to numerous businesses across the country.

In addition to the small ticket programs, Criss-Cross Financial Group offers several Mid-Ticket Equipment Finance programs, including Sale-Leasebacks, Refinances, Term Loans, Revolving Lines and Debt Facilities, up to $25,000,000 on various terms and structures. Asset-Based Lending is a fast and cost-effective way to obtain working capital or even to fund payroll!

We've got you covered with our simple, fast, cost effective Equipment Finance Program!

Equipment Finance rates as low as 6.25% // Finance all of your equipment and soft costs // Terms ranging from 12 to 72 months // Several finance options and structures

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inventory finance

Criss-Cross Financial Group Secured Cash Flow Program is designed to provide working capital credit facilities to commercial and industrial companies throughout the country via accounts receivable finance and asset based loans that leverage receivables and/or inventory as a source of collateral. Our credit lines range from $100,000 to $10,000,000, and we can sometimes stretch to $15MM in certain situations. Our rate structures are very competitive and range from single digit to mid-teens, depending on deal size and credit quality.

Companies use the CFG Platinum Secured Cash Flow Program to:

  • Expand and Grow. Companies outpacing their traditional LOC due to growth
  • Restructure and Refinance. Pay-off the business’ current debt obligations and obtain a low-cost working capital solution.
  • Recapitalization. Companies who may have depleted their capital due to growth, or recovery from adverse macro or micro economic events.
  • Business acquisitions. Purchase a new, or acquire an existing business; and use the receivables and/or inventory to leverage your financial options.
  • Turnarounds. Recover from challenged financials, and reestablish a strong corporate foundation.
  • Management buyouts. Purchase partner’s and other corporate member’s shares by utilizing the assets of the business.

Who do we work with?

      • Peer and client banks (lenders) who have C&I companies that need a working capital facility of which they cannot provide. Cash Flow helps lenders protect customer relationships, build deposits, and enhance credibility with customers by offering the CFG Platinum Secured Cash Flow Program as a viable working capital solution. Not to mention that this solution offered from one of our FDIC and Federal Reserve member bank partners.
      • Financial Intermediaries, Consultants and CPA's who need a credible, alternative working capital solution to help their client grow and enhance/return to profitability.
      • Direct with business owners and executives who need a specialized approach of structuring a cost effective operating credit facility for their company.

Why CFG Platinum Secured Cash Flow Program?

We understand that every industry has its own hurdles, and each business owner has distinct challenges.  Business is different, every funding scenario is unique; and that’s why our funding solutions are built for flexibility…to provide a perfect fit for your business.  In today’s ever-evolving and increasingly complex business environment, we know that small business owners must constantly seek new opportunities to remain competitive. At Criss-Cross Financial Group, we address these concerns with flexible financing solutions, caring support, and in-depth financial expertise to help fuel the long-term success of your business.  So what are you waiting for apply today and receive a no-cost, no-obligation, quote within 24 hours.  Your success is our greatest compliment!

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