Financing solutions
Keep operating needs from slowing the business
Working-capital financing can help manage the timing between payroll, vendors, inventory, and customer collections. The right structure depends on the operating cycle, current obligations, available collateral, and the reason liquidity is needed.
Where it fits
Create room between today’s outflows and tomorrow’s collections
Working capital may support a temporary timing gap, recurring operating cycle, seasonal build, or continued growth.
01
Manage timing gaps
Cover payroll, vendors, and operating expenses while invoices and customer payments move through the cycle.
02
Purchase ahead of demand
Build inventory or secure materials before the related sales and collections arrive.
03
Support continued growth
Add liquidity when a growing sales pipeline creates greater day-to-day cash requirements.
Related financing paths
Choose the structure that fits the operating cycle
Receivables, inventory, revenue, cash flow, seasonality, and existing debt help determine the most practical source of liquidity.
How Legacy Lending helps
Map the pressure points before choosing the product
We review when cash leaves, when revenue is collected, what assets may support the request, and which existing payments affect available capacity.
Understand the cash cycle
Review billing, collections, inventory turns, vendor terms, payroll, and seasonal operating patterns.
Identify the liquidity need
Define the amount, duration, timing, and exact operating purpose behind the request.
Select the financing path
Compare asset-based, cash-flow, revenue-based, and other structures against the company’s needs.
Create more room in the operating cycle
Share the working-capital need, timing, current obligations, and recent business performance to start the review.
Financing is subject to application, underwriting, approval, eligibility requirements, and final documentation.