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Working Capital Solutions


Working capital can come in many different packages with a range of features, terms, and repayment options. We’ll work with you to explore the available options to find the funding that best fits your wants, needs, and budget.


Who can benefit from working capital solutions?

  • Startups

  • Turnarounds

  • Fast-growing businesses with sales of $30,000-$10,000,000 per month

  • Mature businesses looking expand to a new product or service, or increase their market share

  • Any industry who buys and sells goods

PURCHASE ORDER FINANCING

Many businesses have cash flow problems. There will be times when there is simply not enough money available to cover the costs of doing business. Orders can’t be fulfilled or a company may not be able to afford the supplies necessary to meet the client’s needs. Having to turn the order down would mean a loss of revenue or even a tarnished reputation. Purchase order financing, or PO, is a funding option for businesses that need cash to fill single or multiple customer orders. Unlike factoring, which accelerates the cash from your invoices, PO funding gives you the ability to have goods available for your clients before an invoice is generated. If you are a product importer, jobber, reseller, or distributor – and need capital to deliver a large purchase order – our PO solution can accelerate your business, deliver your orders, and grow your margins.

REVOLVING CREDIT LINE

Draw the cash you need directly into your business at any time. Only pay interest on what you draw. Pay back your balance early any time. Use Your Line of Credit to manage accounts receivable gaps, take advantage of new opportunities and manage unexpected expenses.


TERM LOANS

Long-term loans, typically with a 15-36 month term:

  • Seasonal hiring or inventory

  • Fund larger projects with long term pay back

  • Expansion and new locations

  • Large-scale inventory purchases

  • Equipment purchases

  • New product development

MERCHANT SERVICES/MERCHANT CASH ADVANCE

Merchants face multiple challenges to keep their overhead low and bottom line in check. Our Merchant Services (MS) and Merchant Cash Advance provide payment schedules that work with the fast and revolving nature of your business.

Instead of a hard and fast amount due every month, a merchant services or merchant cash advance is repaid by taking a fixed percentage of your daily sales at the end of every business day. This means no surprises and no worrying about coming up with your pre-determined monthly payment amount.

Merchant Funding normally works one of two ways: credit card-based Merchant Services or ACH bank-based Merchant Cash Advance programs. The biggest advantage that Merchant Cash Advance offers is flexibility in repayment.





 
 
 

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ROC Financial Solutions, LLC. is an originating entity and financing consultant of business purpose funding.  9105 All Saints Road Unit D 330, Laurel MD 20723  ROC Financial Solutions, LLC. is licensed or exempt from licensing all states that they do business in.  We lend on real estate in AL, AK, AR, DC, CO, CT, DE, FL, GA, HI, IL, IN, KS, KY, LA, ME, MD, MA, MI, MO, MT, NH, NM, OH, OK, OR, PA, RI, SC, TN, TX, VA, WA, WV, WI, WY.   (Our down payment assistance program is available nationwide).  We lend on business loans in all 50 states.  ROC Financial Solutions originates loans under 12 CRF 1026.3 (a)(1) and 12 CFR 1024.5 (b)(2) Business purpose loans that are exempt from coverage under RESPA as defined by 12 CFR 1026.3 (a)(1) of Regulation Z.   ROC Financial Solutions, LLC only originates business purpose loans on non-owner-occupied residential and commercial, non-TRID regulated real estate properties, or business working capital loans.   Rates, terms, and conditions offered to qualified borrowers, may vary upon loan product, deal structure, location, lender, or other applicable considerations, and are subject to change at any time without notice.   Moreover, any rates, terms and conditions communicated via email shall only constitute a general, non-binding expression of interest on the part of ROC Financial Solutions, LLC., and the associated lender and do not create any legally binding commitment or obligation on the part of ROC Financial Solutions, LLC., and are expressly subject to, but not limited to, the credit, subject property, Investor experience, legal review, and lender approval process.  ROC Financial Solutions LLC., also operates as a Wholesaler on investment residential and commercial, non-owner-occupied properties.  ROC Financial Solutions, LLC., is exempt from licensing for these types of properties and is not a licensed real estate agent or broker.  The recipient of this message agrees to hold harmless ROC Financial Solutions LLC.  DISCLAIMER: ROC Financial Solutions does not finance owner occupied residential real estate. We offer commercial business purpose funding options strictly for non-owner-occupied real estate, and businesses.  Disclosure:  This is a partner program whereas ROC Financial Solutions LLC works with a private lender to offer these services, and ROC Financial Solutions will earn a referral fee from the lender for offering such services.  If you have received this message in error, please delete it.   Our Privacy Disclosure Statement can be found at https://www.rocfinancialsolutions.com/private-policy   Copyright © 2024 ROC Financial Solutions LLC, All rights reserved. 

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