Products

Asset-Based Lending

  • Credit facilities ranging from $500,000 to $7,000,000.
  • SPECTRUM provides credit facilities secured by Accounts Receivable, Inventory, Equipment and Real Estate.
  • Our credit facilities DON’T HAVE ANY financial performance covenants.
  • Our credit facilities have the ability to grow as you grow. As your business and assets expand, SPECTRUM can increase your credit facility to cover your needs.
  • Our credit facilities typically don’t have many of the fees common with other asset-based loan agreements like legal fees, expensive closing costs, or unused line fees.

 

Accounts Receivable Financing

  • Credit facilities starting from $250,000.
  • SPECTRUM provides borrowing capacity based on Accounts Receivable.
  • Our Accounts Receivable Financing credit facilities can be approved quickly, including future increases as borrowing needs grow.
  • We assist with collection practices that accelerate cash collection.

 

Hybrid Financing

  • Credit facilities starting from $250,000.
  • SPECTRUM provides Accounts Receivable Financing and Asset Based Lending on Inventory, Equipment and Real Estate.
  • The Hybrid credit facility grows as you grow. As your business expands and your assets grow, SPECTRUM is eager to increase your credit facility, and in some instances will convert you from a Hybrid financing structure to a more traditional asset based lending structure, based on company performance.