Capstone Launches New Forum on LinkedIn

17:12 28 January in Blog

New York City based Capstone Capital Group, a leading private finance company serving clients in the construction trades, service companies, wholesale, and other arenas, has launched a Capstone Diversity Business Funding Forum on LinkedIn.

With this group, Capstone aims to push new business insights to our clients wanting to grow their companies and connect with other industry professionals. Our dedicated team of experts wants to provide powerful and robust client-specific solutions through Recourse and Non-Recourse Factoring Services, Purchase Order (PO) Financing and International Trade Financing. In connecting with Capstone, you’ll find that we have the capability to provide you with the two crucial aspects to your business’s success—advice and capital.

If you’re a CEO, business owner, manager or investor, our new Capstone Diversity Business Funding Forum on LinkedIn is designed to help you reach your business goals and ultimately enable you to achieve your dreams. This forum allows members to engage with industry thoucapstoneght leaders, cultivate strategic planning ideas and share success stories, common challenges and experiences. Members will learn Capstone’s tips on funding and financing to grow their businesses and experience growth in profits.

“The Capstone Diversity Business Funding Forum is a game-changer because it puts small business owners in the game. Being a minority business owner my entire life, I know the challenges and obstacles that need to be overcome. I am proud to present this group, which will empower minority business owners with the resources and funding insights that are essential in helping their revenues skyrocket,” said Alvin Hartley, Director of Diversity for Capstone Capital Group, LLC.

The Capstone Diversity Business Funding Forum will offer members a full range of insights, discussions and ideas for diverse business needs. Join our LinkedIn forum to connect with other industry leaders and learn the innovative financial solutions that will help your business diversify and prosper. From factoring techniques to funding solutions, our group focuses on topics related to your needs so your business can thrive. We can’t wait to connect! Click here to Join Now!

Alvin Hartley, Director of Diversity, will be the driving force behind the LinkedIn initiative as a diverse director of Capstone Capital Group, LLC. Capstone is a private finance company in New York City that provides single invoice factoring, purchase order, and trade financing that is vertically integrated into its factoring platform. For more information about Capstone and its services, visit .

Happy Holidays from Capstone!

21:29 22 December in Blog

Untitled2At Capstone, the holidays are a time for us to reflect on the past year and look to the future. 2014 has been a milestone year for us for all that has been strived for and attained. We achieve what we seek and couldn’t be happier about the growth and success we have seen. We hope you all had a prosperous 2014 as well and cheers to the New Year!

Capstone wouldn’t be a leader in innovative financial solutions if it weren’t for your continued loyalty. And it is in this spirit that we want to thank you, sincerely and truly for your support.

Capstone will be closed on December 24th, 25th, 26th and 31st as well as January 1st in order to ring in the holiday and the New Year with our beloved family and friends.

We wish you a happy holiday and look forward to the start of a healthy New Year!

Interest Rates on the Rise

16:52 15 December in Blog

UntitledThis week, the Federal Reserve indicated that interest rates will be raised next year. In a statement issued from the policy meeting, the Federal Reserve said monetary policy will be “normalized.”

Since 2008, rates have hovered near zero, with the Federal Reserve offering consistent assurances that rates would remain near zero to contend the economy’s low inflation and high unemployment rate. The proposed normalization won’t happen overnight. Even with increased rates, the flow of the economy will still be considered, with rates beginning to rise mid-2015.

But, not everyone is in agreement. According to The Wall Street Journal, “Dallas Fed President Richard Fisher said rate increases might need to come sooner than the Fed plans. Minneapolis Fed President Narayana Kocherlakota said the Fed isn’t putting enough weight on the risks of low inflation. And Philadelphia Fed President Charles Plosser wants the Fed to stop giving time-linked guidance about its rate plans.”

Rates are predicted at anywhere from 0.375% to 4% by the end of 2016, with no solid figure agreed upon. All except two policy makers noted that they predicted an increase of short-term interest rates in 2015. Their median estimate put short-term borrowing rates at 1.125% in the next year. For 2016, the median rate estimate was 2.5% and for 3.625% for 2017. Of course, this is all gradual and dependent on the growth of the economy.

While the labor market has improved, with a lower unemployment rate, inflation could alter plans. The Labor Department reported recently that consumer prices dropped 0.3% in November. This is marked as the largest one-month drop since the massive financial crisis in 2008. Federal officials have confidence that this drop, as well as the recent oil declines, won’t completely hinder their efforts. Inflation developments will be watched carefully, and we’ll monitor developments from the next policy meeting to take place January 27-28.

Capstone Capital Group, LLC. understands the importance of these policy meetings and what higher interest rates mean for you. Capstone offers Single Invoice Factoring (“Spot Factoring”) as a solution.   For years, we have helped organizations get the immediate cash they needed without the typical red tape that most banks require. For more information about Capstone and our Single Invoice Factoring and purchase order factoring give us a call today at (347) 821-3400 and speak to a representative.

Sustaining Homeownership in an Unsustainable Economy

22:05 12 December in Blog
Recent data suggests that significant roadblocks could arise in the near future that would challenge those wishing to become homeowners.  The data collected was made public under the Home Mortgage Disclosure Act (HMDA). From this information, we can gather that African American homebuyers represent 4.8% of the total home purchase loans from 2013.
For conventional loans, African Americans were denied at levels that ranged from 25.5% to 56%, according to the HMDA data from 2013. Projections assume there could be as many as 17 million new U.S. households leading up to the year 2025. Potentially, 13 million of the 17 million new households could be owned by minority families. So, what does this mean for the future of our economy?
During the foreclosure crisis, African American home-purchase loan trends have seen a significant decrease, falling from 8.7% in 2006 to 4.8% in 2013. In contrast to the increase there has been with Caucasian home-purchase loan activity (rising from 61.2% in 2006 to 70.2% in 2013); these figures are staggering.
More than 70% of mortgage loans were made to African American homeowners last year, and 63% were made to Hispanic homeowners. We want to tell you what can be done. There are a variety of tools and policies at your disposal that are proven to extend sustainable homeownership to racial minority homeowners. The 97% loan-to-value (LTV) mortgage is one tool that you might have seen featured on Freddie Mac. The rate for this type of loan is extremely similar to that of loans with down payments as high as 10%. Federal Housing Finance Agency Director Mel Watt declared that the government conservator of Fannie Mae and Freddie will consider reinstating the purchase of LTV loans by the two government-sponsored enterprises. Alternative credit scoring models are also under consideration.
Accessible home-purchase loan options should be just that, accessible. Minority families need accommodation at the national level so they can maintain job growth and sustain their homes. Capstone Capital Group, LLC understands the difficulty facing homeowners of color and we stand with you in fighting for the tools and policies that are necessary for sustainable home ownership. For more information about Capstone invoice factoring, commercial and business funding solutions, give us a call today at (347) 821-3400 and speak to a representative.

Wrist Watch Company Case Study

19:57 08 December in Case Studies

Case Study Wrist Watch Company: Trade Financing & Factoring


In addition to struggling with collections, bad debt and a lack of working capital, this company also operated below breakeven. Their debt exceeded the value of A/R and they were placed on cash-in-advance terms with vendors. The company was in work out with their primary bank on a $6 million credit facility.


Local family owned and operated wristwatch company headquartered in Upstate New York with its roots dating back over 100 years

• Majority of accounts receivable were long-standing relationships going back 40 years

• Provided Trade Financing and a Factoring Facility

• Conducted a credit review of all customers

• Reestablished credit terms with the company’s vendors

• Had company sell off old unusable inventory & non-sales generating assets and release excess employees to reduce monthly operating overhead


Sales doubled first 12 months – expected to increase by another 30% for 2014 • Customer base shifted from small boutique retail stores to major big box retailers and home shopping shows • Bank line significantly reduced


Call: 212-755-3636





Case Study Electrical Contracting Firm: Single Invoice Factoring

19:52 08 December in Case Studies


Following the devastating effects of Hurricane Sandy, the company experienced a market-demand extension of payment terms. As a result of the slowdown in cash flow there was a delay in payment to suppliers, missed bid opportunities, and the company couldn’t fund payroll or meet increased demands. The company was put into financial distress when they were turned down by local banks and their recommended financiers. Due to this, the company couldn’t meet other loan covenants, experienced debt hangovers, strict credit limits and balance sheet discrepancies.


Locally owned and operated electrical contracting firm in New York City

• Clients: City of New York, NYS Board of Education, Mass Transit 3

• Provided a Single Invoice Factoring Facility

• Electrical Contractor Used Capstones Financial Statement to demonstrate financial capability and increased his bidding opportunities and wins

• Capstone factored the invoices and paid suppliers and subcontractors directly under funds control


Increased bonding value to $10 Million with retained earnings • Increased sales by 2.5 times in 2013 • Won an additional 10 SCA contracts for


Call: 212-755-3636



Case Study Painting Subcontractor: Single Invoice Factoring

19:46 08 December in Case Studies


Because of the financial crisis, this company experienced hangover effects, including an increase in delayed payments from General Contractors, a lack of working capital to buy supplies and pay vendors, missed bid opportunities and more. The growth was outpacing cash flow and larger payroll commitments weren’t met, increasing the company’s number of unpaid invoices.


Painting subcontractor located in the Yucca Valley, California

• In business for over 42 years

• Clients: Large commercial and apartment complex construction firms

• Relationship with Capstone for over 2 years

• Provided a Single Invoice Factoring Facility to increase working capital

• Total volume factored invoices approx. $2.5 million

• Factored close to 100 invoices


Increased business volume by 15% in 2014

• Contract backlog of $300,000

• Expansion into other verticals of the painting industry including custom homes and homeowner associations (HOAs)

• Firm can now focus on planning and performance of contracts while bidding on new work opportunities


Call: 212-755-3636





Long Island Waterways FEMA Contract Case Study Download

19:41 08 December in Case Studies

Long Island Waterway Debris Removal Firm: Single Invoice Factoring


The process of collecting the debris was complex because the debris first had to be identified. A sonar ship was hired by our client to identify all of the debris and then equipment had to be deployed to remove it weather permitting. The debris consisted of simple materials like wood to complex material like steel ships and everything in between like patio furniture, cars, washing machines, dryers, other home appliances, and sheds. The client, had they elect to self-finance this project, would have required over $3,000,000 of working capital during the period that the first round of invoices were issued. The New York municipal agency generally takes extended terms prior to issuing payment. If the client lacked the $3,000,000 working capital, each subcontractor and material vendor would also be required to support the project for an extended period of time expending his or her own resources without payment from our client.


In 2013 the Tri-State are was devastated by Super Storm Sandy

• Long Island waterways were littered with storm debris, requiring extensive cleanup solutions

• Capstone came up with a factoring solution to meet our client’s working capital needs

• Implement a swift course of action for accelerated cash flow


Because of the client’s ability to demonstrate to the NY municipal agency that it could finance itself and perform to a high standard under this contract, the client has been awarded a subsequent $8,000,000 contract.



Call: 212-755-3636



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