Loan products
Working capital
Working capital loans when you need to keep moving.
Equipment financing is the core of what we do. We also place the working capital that keeps a business running between deals.
Plenty of operators land at JCF because they need equipment. They come back because they need working capital. The same relationships that fund a dump truck can fund the receivable on the job that dump truck is hauling for.
Working capital is a conversation. The products vary widely and which one fits depends on your revenue pattern, time in business, and what you've already got on your balance sheet. Text us and we'll talk through it.
What we offer
Working capital products we place.
Each one fits a specific situation. Text us to talk through which one matches your numbers.
Accounts receivable financing
Advances against open invoices when you've earned the revenue but haven't been paid yet.
Talk to us by text about Accounts receivable financing, (503) 703-5045Asset-based revolving lines of credit
Draw and repay against equipment or receivables, secured by what your business already owns.
Talk to us by text about Asset-based revolving lines of credit, (503) 703-5045Sale-leaseback arrangements
Sell equipment you already own to a lender and lease it back to free up capital without giving up use.
Talk to us by text about Sale-leaseback arrangements, (503) 703-5045Refinancing arrangements
Restructure existing equipment debt to reduce payments or consolidate.
Talk to us by text about Refinancing arrangements, (503) 703-5045SBA loans
Government-backed loans with longer terms and lower rates, when your business qualifies.
Talk to us by text about SBA loans, (503) 703-5045Merchant cash advance
Lump sum repaid as a percentage of daily card sales. Fast money, expensive money. We'll be honest about whether it fits.
Talk to us by text about Merchant cash advance, (503) 703-5045Unsecured business lines of credit
Revolving credit without collateral, sized to your revenue and credit profile.
Talk to us by text about Unsecured business lines of credit, (503) 703-5045
Why JCF for working capital
What you get from a broker on the working-capital side.
A full menu, not one product.
Banks tend to push the one product they have. JCF picks across AR financing, lines of credit, SBA loans, and more based on what actually fits.
Advisory, not sales.
Some products look attractive but cost more than they save. We'll tell you which ones to skip and which ones make sense, plainly.
Lender relationships across the spectrum.
From traditional banks to specialty lenders to merchant cash advance houses. Knowing which lender fits which business is the work.
When it makes sense
Three scenarios where working capital earns its keep.
Bridging a gap.
An invoice is sixty days out and payroll is Friday. AR financing or a line of credit covers the gap without selling the receivable at a steep discount.
Funding growth.
A new contract requires materials and labor before the first payment lands. An asset-based line or term loan funds the runway.
Weathering a seasonal trough.
If revenue concentrates in a few months, a flexible line or seasonal-skip structure carries the rest of the year without scrambling.
Working capital customers
Operators who use both sides of the JCF book.
Professional, conscientious, and consistent with communication. We came back to JCF for a working capital loan after the dump truck deal closed.
Related reading
Text is the fastest path
Text us at (503) 703-5045.
Working capital starts with a conversation. A few messages usually tell us which product fits.