CAPITAL  AND  MORE  GROUP  INC.
      "Flexible Commercial  Finance"










     - Land Loans
           - Residential Land A&D
           - Commercial Land A&D






Asset Based Financing

Asset Based Financing provides lines of credit and term loans to businesses that use their tangible assets as collateral. An Asset Based loan or line of credit can be collateralized by a pool of assets such as accounts receivable, inventory, and may also include machinery & equipment, real estate and special assets such as intellectual property. Generally revolving lines of credit are secured by Accounts Receivable (and inventory in some cases) and term loans are usually secured by Machinery & Equipment and Real Estate.

Our lenders will facilitate loans from $250,000.00 to $50,000,000.00 plus to manufacturers, distributors, service companies and contractors. We will consider loans under $250,000.00 on a case by case basis.

One major advantage that we offer borrowers is that the vast majority of our private and non bank lenders are direct portfolio lenders. This means that they originate loans directly with their own funds or with discretionary funds committed to them by investors. They then hold the loans in their portfolio or on their balance sheet until maturity. They do not securitize the loans and sell them  in the secondary market. This provides for maximum flexibility in customized deal structuring that is impossible with conventional lenders whose loans have to fit within a predefined box that will allow for their subsequent securitization and sale in the secondary market. We also have several direct portfolio lenders that can accommodate loans in excess of $50,000,000.00 without the need to syndicate.

The qualifying asset classes for Asset Based Financing include:-

1. Accounts Receivable
2. Inventory - including marketable raw materials
3. Machinery & Equipment
4. Real Estate

Companies in difficult situations that cannot qualify for conventional bank financing can use Asset Based Financing while in transition. Businesses experiencing any of the following hurdles are good candidates for Asset Based Financing:

An insufficient track record
High amounts of accounts payable
Operating losses
Need for inventory financing
Highly leveraged companies
Companies experiencing rapid growth
Delinquent taxes / tax liens
Foreign account debtors
Bankruptcy
DIP financing
Restricted by bank covenants
Turnarounds/ workouts
Bank debt refinancing
Debt restructuring and re-capitalization
Financial and strategic acquisitions/ LBO's




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