Programs & Products

• Accounts Receivables and Inventory Revolving Loans
• Equipment and Machinery Financing
• Commercial Real Estate Financing
• Cash Flow Loans
• Seasonal Lines of Credit
• Corporate Debt Financing
• Acquisition and Leveraged Financing
• Bridge Financing
• Subordinate Debt
• Mezzanine Financing
• Debtor-In- Possession Financing
• Turnaround Financing
• Leveraged Acquisition Financing
• Recapitalizations
• Purchase Order Financing
• Commodity Trade Finance
• Import and Export Financing
• Municipal, County, and State Financing
• SBA Loans

 

This segment covers the information behind each loan program

 

Accounts Receivables and Inventory Revolving Loans
Quantum Capital Advisors can arrange working capital involving lines of credit and term loans for accounts receivable financing and inventory financing tailored to meet your company’s specific seasonal and growth needs. We are able to provide financing to a wide variety of industries and business credit profiles.

 

Get Exactly What You Need
Receivables Funding Group– Choose customized accounts receivable financing solutions that address your cash flow constraints. We provide comprehensive financing to businesses of all sizes nationwide. Industries covered include manufacturing, distribution, wholesale, import/export, trucking/transportation, seafood, and service-based companies.

Staffing Services Group- Meet financing needs frequently faced by temporary staffing companies, such as funding payroll and tax obligations. We provide customized solutions and have extensive experience working with staffing companies nationwide.

 

Government Services Group- Access accounts receivable financing solutions tailored to government contractors. We offer specialized financing programs to businesses that provide goods and services to federal, state and municipal governments and their agencies. We can also help you get cash from your ineligible government receivables. Sales to federal, state, and municipal governments and their agencies are eligible for our accounts receivable purchase programs.

 

Advance Rate on Account Receivables
Advance rates for lines of credit secured by accounts receivable depend on the creditworthiness of your customers and the amount of dilution (returns, uncollectible, etc.) that your company experiences, but typically range from 60% to 85% of your accounts receivable. Eligible accounts and inventory will vary depending on the bank, but typically accounts receivables more than 90 days from an invoice date or concentrated receivables may be discounted or considered ineligible.

 

Advance Rate for Inventory
Advance rates for lines of credit secured by inventory depend on the orderly liquidation value (OLV) of your inventory and the level of your inventory relative to the amount of your accounts receivable outstanding and annual sales, but typically a range from 30% to 65% of the cost of your inventory.
Direct Benefits

 

• Obtain a source of cash flow to grow their business
• Utilize a secure and professional credit checking and collection payment system that reduces bad debt loss
• Use a flexible funding program that increases as sales are increased
• Receive working capital to pay suppliers quickly, take cash discounts, pay operating expenses and increase credit limits with suppliers
• Have a managed accounts receivable system that includes invoice processing, invoice posting and invoice reporting so that time is freed up time for other revenue-generating activities such as sales and marketing
• Access cash to pay bills, pay employees, and invest in the growth of their business creating greater profits
• Concentration carve out – Obtain advances on specific accounts receivable, when necessary, based on ineligible or growing concentration risk.
• Foreign receivable financing – Expand potential markets internationally. Our specialists help you determine which sales to overseas buyers, including invoices in foreign currency, may be eligible for purchase.

Transaction Size
Invoice purchasing credit facilities starting at $100,000 (based on outstanding accounts receivable invoices).

 

Equipment and Machinery Financing
Quantum Capital Advisors has the flexibility to work with a wide variety of corporate lenders to provide your company the term loan or capital equipment financing it needs. We will help you through the commercial financing alternatives and lenders to identify an appropriate financing structure at competitive rates

 

Leasing
Quantum Capital Advisors can also assist equipment manufacturers (OEM’s) and equipment distributors with customer financing solutions, such as, term loans and leases.

 

• Leveraged Leasing
• Synthetic Leasing
• Lease Purchase Agreements
• Standard and Modified TRAC Leases
• Operating Leases
• Municipal Leases

Benefits
In this increasingly competitive international economic environment, managers need to continually monitor their capital equipment investment and capital expenditures budget. Whether you need capital equipment loan or financing to:

 

• improve productivity
• enhance a manufacturing process
• expand production capacity

Transaction Size
Equipment loan minimum is 100k.

Summary

We provide a full range of products that let equipment manufacturers and distributors enhance sales by offering customers a financing or leasing option. Our team will work with you to design transaction terms and structures to match your customers’ cash flow, tax and accounting objectives, and business needs.

Commercial Real Estate Financing
Quantum Capital Advisors can help you through your financing alternatives and lenders to identify an appropriate financing structure and funding for your commercial property at a competitive rate. We will finance the following:

 

• Multi-Family Apartment Buildings
• Hotels
• Office Buildings
• Shopping Centers
• Industrial Buildings
• Warehouses
• Developmental Projects
• Healthcare Facilities
• Senior Housing
• Franchise Opportunities

Benefits
Most commercial real estate lenders are limited to their underwriting criteria, portfolio concentrations and current lending availability. Quantum Capital Advisors has the flexibility to work with a wide variety of commercial real estate lenders that are well suited for your commercial property loan needs. We will help you through the commercial real estate financing alternatives and lenders to identify an appropriate financing structure and funding source for your commercial property type and credit profile.

 

Summary
Our commercial real estate structured finance services are flexible, creative and aggressive to obtain a commercial mortgage for your property. We can save you time and money. We welcome the opportunity to work with you and your company; whether you need a commercial real estate loan to refinance your property or finance a commercial real estate acquisition.

 

Cash Flow Loans
Quantum Capital Partners is able to provide financing to a wide variety of industries and business credit profiles. We will structure a cash flow loan or cash flow financing to meet your company’s needs.

 

Criteria
The company's historical cash flow from operations, EBITDA, future opportunities, and equity position will be important determinants. Also relevant will be credit risk profile and concentration of your company's customer base.

 

Benefits
This funding can be used to refinance corporate debt, finance expansion, company growth or for:

• the acquisition of assets,
• a leveraged buyout or management buyout
• a corporate recapitalization

Transaction
Minimum 100k

 

Summary
Our corporate finance services for cash flow loans are flexible, creative and aggressive. We will help you through the cash flow financing process and alternatives as well as through the network of cash flow lenders to obtain the best terms and competitive rates.

 

Seasonal Lines Of Credit
Quantum Capital Advisors offers lines of credit to your precise and unique funding needs. We have the flexibility to work with numerous lenders to identify the best suited programs for our diverse client base.

 

Benefits
We facilitate seamless and cost-effective financing when you need to do the following:

• expand inventory
• adjust to seasonal needs
• alleviate cash flow shortages
• sudden and unexpected situations

Among the strategies utilized:

 

Commercial Lines of Credit
Permits you to readily borrow and repay funds as needed to meet short term liquidity needs

 

Asset-Based Lines of Credit
Allows you to take advantage of your company’s investment in trading assets to increase your borrowing capacity

 

Revolvers
Provides flexible financing over a defined period of time, usually two to three years, to facilitate asset acquisition or permanent working capital growth

 

Transaction
Minimum 100k

 

Acquisition and Leveraged Financing
Quantum Capital Advisors welcomes the opportunity to structure and arrange your merger and acquisitions financing, whether for a:

 

• leveraged buyout
• management buyout
• corporate acquisition
• mergers and acquisition
• acquisition of assets
• refinancing corporate debt
• corporate recapitalization

Benefits
We work with equity sponsors and corporate management to evaluate the commercial financing alternatives. We work with commercial lenders to identify an appropriate financing structure and funding source at a competitive rate. We help you structure your acquisition financing based on current market conditions, the term structure of your company's balance sheet assets and pro forma cash flow from operations or EBITDA from working capital lines of credit through long-term capital investment( CAPEX ) financing, including:

 

• working capital revolving lines of credit
• machinery and equipment term loans and leases
• cash flow term loans
• commercial real estate loans
• mezzanine / subordinated debt
• bridge loans

Bridge Loans
When it comes to bridge loans, focusing our attention on your needs and delivering, Quantum Capital Partners is a unique trusted advisor. We are a leading bridge loan source, and we specialize in commercial property, business loans, bankruptcy, workouts, and foreclosures.

 

Benefits
Speed and creativity are our hallmarks, and we can close on equity-based commercial loans of one million to ten million or more in a short period of time. Our international network of institutional and private lenders allows borrowers with assets, secure the loans they need in abbreviate time. Quantum Capital Advisors loan process is quick and easy.

 

• Commitments in days instead of weeks
• Loan Closings Typically in 10 business days or less
• Up to 65% LTV
• Terms up to 36 months
• Acquisitions & Refinancing
• Development & Construction
• Workouts, Bankruptcies and Foreclosures

Corporate Debt Financing
Quantum Capital Advisors structures and arranges asset based loans and cash flow financing. We can provide the full term structure of balance sheet financing alternatives. We arrange flexible financing for working capital as well as for long-term capital investments.

 

Options

 

• Replace maturing corporate debt
• Expand borrowing capacity
• Reduce your corporate financing costs
• Corporate restructuring
• Corporate recapitalization.

Criteria
The vetting process will include evaluating your company's historical cash flow from operations and EBITDA, balance sheet and income statement. Additional considerations will include the business cycle risk of your industry, seasonality of your business, and credit risk profile and concentration of your company's customer base.

 

Transaction
Minimum 100k

 

Summary
Quantum Capital Advisors can assist companies that need commercial loans regardless of loan amount or complexity. We are trusted and experienced advisors that can provide the guidance you need.

 

Subordinate Debt
Quantum Capital Advisors can structure and arrange a cash flow based subordinated loan, subordinated debt or mezzanine debt financing to meet your company's needs.

 

Benefits
Whether your company needs financing to:

 

• refinance corporate debt
• finance expansion and company growth
• acquire additional corporate assets
• leveraged buyout or management buyout
• corporate recapitalization
• corporate restructuring

Criteria
The vetting process will include evaluating your company's historical cash flow from operations and EBITDA. Furthermore the business cycle risks of your industry, seasonality of your business, credit risk profile and concentration of your company's customer base would be considered. We can also employ risk management financial structuring products, such as, credit insurance and financial derivatives, when appropriate.

Typically subordinated loans are cash flow loans and structured in the following manner:

 

• Prime + 2% to Prime + 8% range (balanced on cash flow)
• Requiring at least a 1.2 interest coverage ratio.
• Common maturities are from three (3) to eight (8) years.
• Interest only payments may be permitted for the initial one (1) to three (3) years.
• Equity warrants or other forms of an equity kicker may be required to balance the level of risk and achieve the lender's targeted return on investment (ROI).

When the subordinated loan is used to facilitate an acquisition, the acquisition valuation should be at three (3) to five (5) times EBITDA, with the subordinated loan or mezzanine debt not exceeding 20% to 30% of that value.

 

Summary
Whether your company needs a subordinated loan or subordinated financing to complete the acquisition of a company or assets, to exploit growth opportunities or refinance a maturing loan, allow us to address your subordinated debt financing needs.

 

Mezzanine Financing
Quantum Capital Advisors provides second lien and subordinated term loans to finance the acquisition or recapitalization of successful middle market businesses by private equity groups and managers. Mezzanine financing is advantageous because it is treated like equity on a company's balance sheet and may make it easier to obtain standard bank financing. We can help businesses achieve growth with capital for expansion.

 

Criteria
We concentrate primarily on manufacturing, distribution, and business service companies. These companies distinguish themselves on the basis of value, quality or service. These are the following characteristics:

 

• Experienced management teams with a track record of success and meaningful ownership participation
• Leading position in the market or a defensible market niche
• Usually minimum annual revenues of approximately $25 million and operating cash flow of $5 million
• Demonstrated cash flow sufficient to meet debt service requirement
• Trustworthy accounting, information, and control systems

Options
This additional financial leverage can facilitate:

 

• refinance corporate debt,
• finance expansion and company growth,
• acquire additional corporate assets,
• leveraged buyout or management buyout,
• corporate recapitalization, or
• corporate restructuring,

Turnaround Financing
Quantum Capital Advisors can provide turnaround financing which is often used by under-performing businesses that are not achieving their full potential. In some cases, it is used for businesses that are either insolvent or on their way to becoming insolvent. We are accustomed to the bankruptcy process and asset-based financing is ideal for turnarounds because of its flexibility.

 

Benefits
We offer several advantages in dealing with corporate turnarounds:

 

• Individual focus on working closely with management to understand the unique operating dynamics of a company and provide an optimal financing structure that supports the success of a turnaround project.
• Debtor-in-Possession financing for companies in bankruptcy and confirmation financing for businesses just exiting Chapter 11.
• Strategic relationships with service providers who specialize in corporate renewal and can assist in rebuilding companies that have struggled (for example, crisis managers and forensic accountants).
• Partners who are members in numerous trade associations nationally and locally, which connect us to key service, debt, and capital providers

Summary
Quantum Capital Advisors has a wealth of experience as a longstanding source of turnaround financing. We are well versed in the operational, legal, and timing issues involved.

 

Debtor-In- Possession Financing
Quantum Capital Partners can provide financing which is unique from other financing methods in that it usually has priority over existing debt, equity and other claims. We can provide this structured financing through the Bankruptcy Court to enable a turnaround.

 

Benefits

 

• Provides a proven turnaround option during a difficult period
• Attractive because it is done only under order of the Bankruptcy Court, which is empowered by the Bankruptcy Code.
• Provides corporate bankruptcy financing to engage in a prepackaged business bankruptcy where the asset based lender providing DIP financing supplies the funds to work out a settlement with creditors up front
• Follows the filing of either a voluntary or involuntary corporate bankruptcy proceeding utilizing the same fundamental asset valuation approach to provide the loan as it would for a company not in bankruptcy.

Criteria
The availability of DIP financing may depend on the perceived viability of the company during the proceeding and on its ability to successfully complete a Plan of Reorganization (POR). The Plan of Reorganization must specify how the debtor intends to pay the creditors and Debtor-in-Possession financing is a means toward that end.

Potential Applications:

 

• Bankruptcy Financing: Voluntary or Involuntary Bankruptcy
• Plan of Reorganization
• Restructuring
• Turnaround Financing

Summary
Quantum Capital Advisors is well versed in the bankruptcy process and it offers the financially troubled company a friendly environment for restructuring. The best way to improve the chances of a successful exit from bankruptcy is to have an experienced and trusted advisor in place at the earliest sign of financial stress. It is a good business practice to establish a relationship with us well before any company reaches a point where its cash flow and capital structure have become unpredictable. Quantum Capital Advisors can be there for you when needed most!

 

Purchase Order Financing
Quantum Capital Advisors provides purchase order financing to companies in a broad range of industries throughout the United States. Purchase order financing gives companies a short-term solution for funding inventory required to complete sales transactions.

Our purchase order finance programs are ideal for companies where:

 

• growth outpaces available working capital
• seasonal sales spikes strain cash flow
• funding from existing funding sources or trade credit is insufficient.

Benefits
We can help you:

 

• fund 100% of the cost of inventory
• solve cash flow problems
• find an alternative to over advances
• obtain transactional credit lines of $500,000 - $50,000,000 and greater

Summary
Quantum Capital Advisors also work in tandem with banks, asset-based lenders, factors, and turnaround consultants. We drive business growth through innovative ideas!

 

Import and Export Financing -Allowing business to go on globally!
Quantum Capital Advisors offers import and export financing which enables business to take place overseas. Import and export financing provides importers who have orders from customers in the United States, or foreign customers backed by a letter of credit, with the necessary financial backing to provide their overseas supplier with a letter of credit to guarantee payment of goods.

 

This financing can be arranged to cover 100% of the transaction. This provides the importer with sufficient financial strength to sell larger orders than they would be able to on their own financial strength. Depending on the strength of the buyer, this may be done on open account with the domestic buyer, allowing the buyer to increase their purchasing power.

 

Options
Extend Your Global Reach
Reach and impact key business markets in over 76 countries and territories worldwide. Get comprehensive import/export trade services and international connections with one convenient financing tool. Find the money you need to finance your operations.

 

Trade Cycle Financing
Fund each stage of a trade transaction, instead of outlaying the total base amount. Get advances on import shipments of up to 100 percent of purchase price.

Letters of Credit (L/C)
Improve cash flow in the U.S. or Asia by using import, export, standby or prepaid L/Cs..

 

Documentary Collections
Expedite processing and reduce sales and transfer costs of funds and goods.

Short-Term Financing
Increase the credit available for short-term financing in your asset-based credit line by including uninsured foreign accounts receivable in the borrowing base. This unique instrument was specifically designed for experienced exporters with well-established buyers in Europe, Canada and Japan.

 

Medium-Term Financing
If you are a U.S. exporter, you can offer overseas customers attractive loan terms and significantly reduce non-payment risks. This export financing covers most non-project-related loans for capital equipment exports.

Export-Import Bank Working Capital Guarantee Program
Accelerate overseas sales payments for your export business. Get financing on your foreign accounts receivables or inventory, including work in progress. This pre-export working capital financing is 90 percent guaranteed by the Export-Import Bank of the United States

 

Export Risk Mitigation
Structure trade transactions to maximize cash flow and minimize foreign risks associated with exporting. With the forait transactions, the sale of short and medium term trade receivables to the bank without recourse, you can enhance your competitive position. We will work with you to purchase your qualified receivables so you may sell to foreign buyers on extended terms without tying up cash, or assuming the risks of possible late payments, default by a foreign buyer, or foreign exchange fluctuations.

 

Cross Border Lending Program
Obtain optimal financing overseas. While most U.S. banks lend only against your company’s domestic collateral in the U.S., our Cross Border Lending option allows you to finance up to $10 million of your overseas credit needs, secured in part by collateral held in that country.* Both term loans and working capital financing are available in either U.S. dollars or local currency.

 

OPIC Loan Guaranty Program
Make the most of your global funding. In cooperation with the Overseas Private Investment Corporation (OPIC), the Trade Bank provides overseas lending in U.S. dollars to finance investments inside OPIC-eligible countries.

The Trade Bank is the only delegated lender under OPIC new Economic Development Network (EDN) program to facilitate funding to creditworthy U.S. small- and medium-sized business with foreign investments. Loans range from $2 million to $15 million with tenors from two to seven years.

Summary
The support you need overseas and the financing when you need it. Locating credit to finance investments in emerging markets can be difficult. Restrictive banking and government regulations, along with a lack of formal infrastructure can make it hard for U.S. firms to expand and take advantage of global growth opportunities. Worldwide financial coverage is what we can provide to help you grow!

 

Commodity Trade Finance
Quantum Capital Advisors can provide different solutions such as structured commodity finance. (SCF) is a commodity-based financing technique designed for commodity producers and trading companies doing business in the emerging markets. SCF plays an important role, providing liquidity management and risk mitigation for the production, purchase and sale of raw, semi-refined or semi-processed materials.

 

Options

SCF funding solutions include:

 

• pre-export finance
• toll finance
• counter trade finance

Summary
SCF can be applied across part or all of the commodity product cycle from producer to distributor to processor, and the physical traders who buy and deliver commodities in the international and domestic markets. Quantum Capital Advisors can offer finance programs which are primarily based on performance risk and as such is particularly well suited for companies doing business in the emerging markets.

 

Municipal, County, and State Financing
Quantum Capital Advisors has the capacity to work with city, county and state governments to provide financing on projects allowing additional funding flexibility in a cost effective manner.

 

Options
We tailor financing solutions for a wide range of city, county and state governments.
We also provide funding options for other:

 

• government agencies
• districts, authorities
• municipal utilities
• school boards.

Summary

We work with you to customize solutions specifically for your municipality. We can structure funding for crucial projects, such as:

 

• Sidewalks, streets and lights
• Water, sewer, gas, telephone and electric utilities
• Energy improvements
• County courthouses, jails, city halls, and public works buildings
• Airports
• Voting machines
• Parks and recreation facilities
• Museums and concert halls

Recapitalization
Quantum Capital Advisors can assist companies seeking growth capital or business owners seeking liquidity through a recapitalization or restructuring.  The ability to structure, negotiate and execute complex transactions in ever-changing economic environments is critical for success. 

We can examine the immediate liquidity needs of our client and their shareholders. Additionally we address the strategic, operational and financial issues they face with their financial performance to determine if this type of transaction is the preferred alternative.

 

SBA Loans
Quantum Capital Advisors can assist you with SBA financing. These are flexible business loan programs, financing under these programs can be guaranteed for a variety of general business purposes. There are two main programs, 7a and 504 programs.

 

7a program
Options
Loan proceeds can be used for most sound business purposes including:

 

• working capital
• machinery and equipment, furniture and fixtures
• land
• building (including purchase, renovation and new construction)
• leasehold improvements
• debt refinancing (under special conditions)
• loan maturity is up to 10 years for working capital and generally up to 25 years for fixed assets

Criteria
Start-up companies and existing small businesses

504 Loan Program

Options

• provide long term loans
• fixed-rate financing to small businesses
• acquire real estate
• purchase machinery or equipment.

Criteria
Small businesses requiring “brick and mortar”

Summary
There are many SBA loan programs. Allow us to identify what loan program would meet your objectives.