manufacturing jobs

Bringing Manufacturing Jobs Back Requires Investment

11:00 05 May in Blog

Buying American made goods is becoming popular again across the country, however, finding them isn’t always easy. For manufacturers intent on capitalizing on the rising trend and filling the need, reshoring is often necessary. But reshoring isn’t easy—or cheap. Thankfully, private financing companies are helping fill the funding gaps.

The Hidden Costs of American Manufacturing

For companies interested in relocating more of their manufacturing activities to the U.S., whether to capitalize on the Made in the USA trend or to reduce production and shipping times, there are some issues that must be planned for adequately. In addition to the financial costs of moving or purchasing equipment, leasing new space, and hiring staff, it can also take a while to find adequately trained employees, increasing the length of time it will take to get a plant up and running.

To date, those companies that have been able to reshore more easily are those who have an established network of U.S. suppliers and have found that their production activities have been simplified thanks to the move. Companies that require skill sets that have experienced a talent shortage in the U.S. will either need to first locate schools that continue to train in those skill sets or a pool of individuals with interest in being trained in those skill sets. The textile industry and other industries that offshored their activities decades ago are hardest hit by this talent shortage.

With the added expense of either comprehensive talent searches or additional training, many companies are still looking at reshoring. Ensuring there is enough cash flow to find the right staff with the right skill set or to purchase the appropriate equipment can be difficult, however.

Smaller Firms Hardest Hit by Move

According to a 2016 survey by AlixPartners LLP, almost 70% of European and U.S. manufacturers and distributors are considering relocating their production operations closer to home. Even those companies that have limited funds for moving (primarily, smaller firms) are interested in reshoring. For these smaller firms, however, it is imperative that the move be successful and that all possibilities are planned for and properly executed upon. Their smaller budgets require strict budgeting and thorough researching of the talent pool. These firms can be helped by discussing their needs with a private business funding company.

Financing Manufacturing Activities

While bank lending activity remains low in spite of a healthy economy, other financing options prove promising for manufacturers in need of cash flow. Purchase order financing and factoring continue to provide manufacturers with the capital they need to sustain and grow their businesses. Partnering with a reputable private financing company such as Capstone Capital Group gives manufacturers the ability to actively craft their futures and plan for better, more efficient production methods.

If you’re thinking of reshoring and are interested in how PO financing or factoring work, consulting with a trained specialist at Capstone Capital Group should be your next step. Give us a call or visit or website to learn more.

Slow Business Lending Continues Despite Economic Growth

11:00 01 May in Blog

When you hear that the market is doing well or that unemployment is low, you might assume that it’s the perfect time expand your business and finally apply for that business loan. Unfortunately, you’d be wrong.

Now, that’s not to say you shouldn’t grow your business. However, a business loan from a bank may not be the best way to do it. Despite a healthy economy, business lending remains slow.

While lending grew about 6.4% in 2016, from March 2016 to March 2017, bank loans and leases only grew about 3.8%. The numbers for business lending are worse.

The Current Business Lending Environment

October 2016 provided a rare growth of 8.9% in commercial and industrial loans, however, the numbers from March 2016 to March 2017 barely reflect that increase with a growth of just 2.8%. That’s a slow growth and it isn’t just puzzling business owners who are being rejected—it’s confusing economists, too.

So why is economic growth and stability not being reflected in bank commercial lending? Some point the finger at oil and gas, claiming that those companies are paying back their loans at an increased rate, which may skew the numbers. Others say that lending has slowed across the board and that the oil and gas hypothesis doesn’t account for that. Add to that the fact that everyone is still getting accustomed to a new political administration that is implementing new policies, and the possible reasons increase but with no added clarity.

Small Business Should Look Elsewhere for Funding

With banks barely lending, small businesses are the ones most hurt. While they are a vital part of a healthy economy and create numerous jobs in their communities, small businesses are too often overlooked by large banks and left trying to find alternative sources of funding. While borrowing from friends and family may help in a pinch, it is not a long-term solution and can end up damaging those relationships. Exploring other business funding sources should be a priority for small business owners. Rather than expending time and energy applying for business loans that have little to no chance of being funding, small business owners should look towards business funding companies such as Capstone Capital Group, LLC. to ascertain whether they are eligible.

Capstone Capital Group, LLC is an invaluable resource for contractors, importers, and manufacturers. By providing factoring and purchase order financing, Capstone Capital Group, LLC helps small businesses in need of quick capital.

Capstone Capital Group, LLC Helps Where Banks Don’t

Rather than expending time to create or gather the various documents needed to apply for a traditional bank loan, if your business invoices for work completed (for example, if you’re a construction company or a government contractor), you may be eligible for invoice factoring through Capstone. With various options available, Capstone can provide funding in a manner that helps companies quickly. Businesses that produce pre-sold products may be eligible for purchase order financing.

Both of these options are quicker—and easier—to apply for than a traditional bank loan. If your company has good credit and your clients have good credit, you have a much higher chance of receiving financing than you would from a bank.

Factoring and PO financing aren’t for everyone. By speaking with one of our trained specialists, you can learn more about what funding solutions may work best for your company. In business, time is money, so don’t hesitate. Give us a call today or stop by our website to request more information.

Small business financing and invoice factoring | capstone

Will Project Scalpel Affect Small Business Lending?

10:30 03 April in Blog

“Project Scalpel” shows that banks are still focused on cutting costs. As a business measure, this seems reasonable and plenty of business owners can probably relate to the desire to cut overhead and to trim costs wherever possible. But what could this mean for businesses wanting to borrow money? Will big banks’ desire to reduce costs lead to tighter lending requirements?

What is Project Scalpel?

At its most basic, the so-called Project Scalpel is about sharing information to help remove redundancy and allow banks to save money since they won’t have to each reinvent the wheel and maintain duplicate systems. Essentially, large banks such as Bank of America and Goldman Sachs are looking to collaborate to cut back on back-office expenses. Now, these cost-savings measures are focused on stock processing and bond transactions, but it isn’t a stretch to imagine how banks may turn a lean fiscal eye to lending.

After the recession, most large banks cut back on lending to small businesses. While it was already difficult to secure funding in this manner, business owners saw this funding source dry up before their eyes. While the economy has bounced back by most measures, lending to small businesses has only improved marginally. Many small businesses have been left in the lurch and unless the banks see an increase in revenue to justify their small business lending practices, they may not have any justification for increasing their lending at a faster clip. After all, for big banks, small business lending is a risky activity that comes with little advantage. For business owners hoping to secure funding at a bank, often times, the hoops imposed by the banks are difficult to jump through and frequently not worth the trouble. Add to that the length of time it takes to process these loans, and for many business owners, the bank lending route is not an adequate solution to their financial needs.

Seeking Alternative Funding Sources

If banks do maintain the slow growth they’ve instituted in their small business lending activities or if they cut back, business owners must be ready to investigate other options for funding their business needs. These include using a personal line of credit, borrowing from family and friends, crowdfunding, and, depending on the industry, invoice factoring and purchase order financing, among others.

While investigating these various options, it is important for small business owners to inform themselves about the pros and cons before proceeding. For example, a personal line of credit may not offer enough funding and may have a high-interest rate attached.

Similarly, borrowing money from family and friends can create rifts in those relationships and may not be sufficient to help you meet your obligations.

Working with a business funding company such as Capstone Capital Group, LLC, and Capstone Capital Group, LLC can provide companies in particular industries with funding through invoice factoring or purchase order (PO) financing. Plus, Capstone’s funding is faster—and easier—than applying for a traditional line of credit at a bank. Capstone has had the pleasure of assisting numerous construction companies, distributors, manufacturers, government contractors, importers, and more, providing growth capital for their businesses.

At Capstone, we work quickly to help businesses maintain their momentum, meet their obligations, and grow. Don’t let a lack of capital slow you down. If you’re ready to investigate whether invoice factoring or PO financing may be a good fit for your business, contact Capstone Capital Group, LLC to learn more.

Factoring and PO Purchasing Help Where Banks Don’t

13:47 22 March in Blog

According to a recent study by sociologists and economists at Harvard, Stanford, and the University of California, almost half of all U.S. 30-year-olds make less than their parents did at their age. That’s a disappointing conclusion about income in America—one that has likely had an effect on entrepreneurial activity. Combined with banks’ reticence to lend money to businesses, gathering the necessary capital to create or sustain an enterprise has become increasingly difficult.

Thankfully, bootstrapping and business loans aren’t the only solutions for business owners. Capstone provides financial services to help grow and sustain small businesses. Depending on your business and cash flow needs, there are multiple options that may work for you. If you need assistance determining which may be best for your organization, contact Capstone Capital Group for more information.

Single Invoice Factoring

One way to acquire working capital is through single invoice factoring. With single invoice factoring, also known as spot factoring, a company essentially sells its invoice to a credit group at a slightly discounted cost in order to receive an advance.

For example, if you’re a government contractor who has completed work on an invoice that won’t be paid out until 30 or 90 days after job completion but are in need of working capital to purchase supplies for another job or opportunity, you can sell your invoice to a financier to receive a percentage of the invoice as an advance. The remainder of the invoice, minus a fee, is then paid out once the invoice is paid.

If approved, single invoice factoring results in quicker cash flow than a bank loan and can be easier to apply for. One an application is approved, this credit can be applied towards purchasing supplies, payroll costs, or other business expenses.

Single invoice factoring does not require a multi-year contract or future invoice factoring.

Discount Factoring

For organizations looking for a longer term relationship with a credit group, discount factoring may be more appropriate. Whereas single invoice factoring does not involve a multi-year contract and only deals with one invoice, discount factoring can include a contract and multiple invoices. For companies intent on growth, this may be a better option than single invoice factoring. However, the best way to determine whether this is the case is to speak with a credit group to learn more about their services and requirements.

Purchase Order Financing

When cash is needed so that a company can fill an order or complete a job, purchase order financing from a reputable credit group can fill the gap. With purchase order financing, the financier pays for the necessary goods or for a portion of them. When the end buyer pays for their goods, that payment goes directly to the financier who keeps their fee and then sends the balance to their client.

Purchase order financing is extremely useful for subcontractors such as electricians, roofers, and architects.

As they attempted to quantify the American Dream, the researchers mentioned at the beginning of this article weren’t able to define direct factors for the decline in upward mobility. They did, however, imply that an economic slowdown and a widening income gap could be at fault. Whether this will change anytime soon is uncertain.

For those who have struck out on their own to create businesses, this stagnation doesn’t have to put your business in a holding pattern. While many turn to the banks in hope of SBA loans, it’s important to note that Capstone Capital Group provides the financial services necessary to help small businesses excel and succeed.

Regardless of Economic Forecast, You Have Options

11:35 18 March in Blog

Last year’s economic growth was a mixed bag. While it appears the economy has bounced back from the recession and unemployment continues to drop, GDP growth remains slow. In addition, the numbers aren’t telling the whole story thanks to inflation. What could this mean for businesses and how can business owners plan for the year ahead?

As mentioned, GDP growth remained around 1.7% throughout 2016. Meanwhile, it was touted that income for middle-class individuals rose to pre-recession levels. This sounds good on the surface, however, further inspection indicates that when inflation is taken into account, those same income numbers are actually lower than income figures from 2000. That means many people are still technically making less than they were before the recession.

For home improvement businesses such as roofing contractors and kitchen remodelers, this means some families may continue to forestall home-improvement projects. Those who have primarily bootstrapped their businesses may find it harder to maintain the necessary cash flow to keep the business afloat between projects. Likewise, those who are ready to expand may not have the necessary capital on hand to make that investment.

For many business owners, when cash flow issues arrive, thoughts may turn to banks and business loans. They may even find themselves perusing the SBA website to see if they are eligible for a grant or loan. Unfortunately, banks are still reticent to loan to small businesses. In addition, the process often takes too long and requires mounds of paperwork, from personal and business bank and income statements to a full-fledged business plan and projected earnings. Even SBA-backed loans are still being originated less frequently than they were before the recession.

When what matters is running your business and ensuring you have the funds to pay for your next project’s supplies, gathering a slew of business and personal tax returns and other banking documents may not be the thing top of mind. Especially when it’s unclear whether or not you’ll be approved for the loan and how long it may take to actually receive the money you’re requesting.

Thankfully, there are other options.

Bootstrapping and bank loans aren’t the only solutions for cash-strapped businesses. Credit groups or financing companies like Capstone Capital Group, LLC can provide a quick influx of capital for established businesses. Factoring and purchase order invoicing represent alternative funding methods that have become mainstream for businesses that are waiting for payment on completed work or who are in the process of manufacturing or delivering pre-sold goods and services.

A credit group that is in tune with the needs of business owners and the current economic trends can provide a safety net for businesses who need a boost between jobs or who are ready to take their operations to the next level. With the ability to lend money quickly, a private finance company like Capstone Capital Group, LLC can alleviate the financial burden placed on small businesses when they are waiting to receive payment on open invoices.

While it is not possible to predict our country’s economic future, it is important to be aware that you do have options outside of bank loans to help you grow your business. Call us today if you’re ready to take the next step to increase your access to working capital or expand your business.

How the Federal Interest Rate Increase Could Affect Small Businesses

14:29 15 March in Blog

For the second time in a decade, the Federal Reserve raised the target interest rate by 0.25%. The current range is now 0.5%-0.75%. Rates are still much lower than they were in the mid-2000s, though there is likely to be a series of gradual increases over the next couple of years.

For small business owners in need of capital, the question is, how will this affect your business?

What Does a Rate Hike Say About the Economy?

When the Fed raises rates, it is generally a positive commentary on the state of the economy. When rates were raised in December 2015, after 9 years with no increases, it was taken to be a sign of a growing economy. Specifically, continuous growth in the GDP and decreasing unemployment numbers help embolden the Federal Reserve.

This year’s rate hike is viewed as confirmation that the economy continues to be healthy. Recently published unemployment numbers showed an unemployment rate of 4.6%, a decrease, a 0.3% decrease from the previous month.

This is good news for small businesses. A good economy means consumers are more willing to spend. It allows for price increases if necessary and provides a positive outlook for the future. Consumers who have pushed off home projects, for example, may be more emboldened to hire a contractor now that the economy appears to be more stable.

Will Banks Lend More?

Higher interest rates on loans means banks will be able to make more on a loan. While the last rate increase did not appear to have a positive impact on bank lending for small businesses, there is a chance that the possibility for increased margins will encourage banks to originate more loans for small businesses. However, because so few business loans are currently being made, many businesses in need of cash flow will still be left behind.

This isn’t the whole picture, though. With an upcoming change of administration and discussion about deregulation, there is a chance that bank lending for small businesses will increase in the future. For those who are currently in need of capital, it is necessary and wise to seek other options.

Alternatives to Bank Loans

With a high rejection rate and a lengthy application process, applying for a bank loan or SBA loan can be disheartening and time-consuming. Thankfully, bank loans aren’t the only option for small businesses and contractors.

To stay competitive and fund growth, small business owners should investigate alternative options such as factoring and purchase order financing. Thinking outside the traditional “loan” model and investigating credit groups can provide opportunities to fund your business so you can focus on what you love to do and not how to pay for supplies.

Overall, this is only a small interest rate increase, and it is likely that 2017 will bring more. It’s unnecessary to worry, however, it is wise to plan to ensure your business will have the cash flow it needs to succeed.

If you’re ready to create a plan and learn more about single invoice factoring and purchase order financing, contact Capstone Capital Group. A trained professional will provide you with the information you need to determine if our services are a good fit for your company.

Construction factoring explained by Capstone

Preparing for Increases in the Construction Sector

14:25 14 March in Blog

Rebuilding America’s infrastructure has been a popular political topic of late, with both parties stating a commitment to the fixing the nation’s roads, bridges, railways, and more. The country’s aging infrastructure has long been a thorn in the side of commuters and a focus on modernization will not only make bridges safer, allow for a better transport of goods, and increase quality of living, but will also increase employment in the construction sector.

Since the recession, employment in the construction sector has seen a boom. According to the Associated General Contractors of America, approximately 1.6 million jobs have been added in the past six years. Currently, both parties have plans to fund infrastructure projects totaling $1 trillion. For the construction industry, this poses two important considerations: hiring and cash flow.

Hiring and Cash Flow Considerations

In order to be competitive for bids and to ensure that jobs will be completed in a timely fashion, construction companies must be prepared and fully staffed. Staff will also need to be properly trained. Too often, increased projects in the construction sector lead to needless accidents because of poor hiring or overworked staff that is stretched thin. Part of ensuring that safety is a priority is putting in place appropriate hiring practices and focusing on continuing education. Construction companies that are able to show that they complete their projects in a timely fashion and that they value their employees’ safety may be better positioned to apply for and win bids from the government.

In addition to hiring and training, it will be necessary for construction companies to ensure they have enough cash flow to grow and to take on more projects. When companies are sidelined because of open invoices, it can be difficult to increase productivity. One way that many construction companies have found to effectively grow is through factoring.

How Factoring Can Help

Factoring, which allows construction subcontractors from all trades to receive working capital against their unpaid invoices, can be a quick way to increase cash flow in order to purchase materials, pay staff, and continue to deliver their work on time and on budget.

While some companies may turn to banks for a line of credit, they will likely find that lending to small business remains slow despite a growing economy. Rather than dealing with the mountains of paperwork and untold amounts of time that bank loan applications and decisions require, companies who are looking for a more streamlined process should investigate invoice factoring.

Partner with Capstone Capital Group, LLC

At Capstone Capital Group, LLC, we value our partners’ time. We understand that the hours spent filling out banking forms would be better invested in our business. We offer pre-approval to prospective clients so you can better understand your chances of approval.

When your business is in need of funding, you shouldn’t have to wait. That’s why Capstone Capital Group is committed to quickly helping businesses. With flexible structuring and multiple options available, our factoring programs are designed to provide our partners with the assistance they need to move forward and grow their businesses.

If you’re ready to investigate whether factoring is a viable option for your business, don’t hesitate to give us a call at 212-755-3636 or apply now.

Will Repealing Dodd-Frank Make Borrowing Easier - explained by Capstone

Will Repealing Dodd-Frank Make Borrowing Easier

08:15 13 March in Blog

The Dodd-Frank Wall Street Reform and Consumer Protection Act, known commonly as Dodd-Frank, was enacted in 2010 under President Obama as a response to the financial crisis that led to the Great Recession. The ultimate goal of the legislation was to safeguard the economy and protect consumers by implementing financial regulations. Several components have drawn the ire of the financial world and many have wondered whether Dodd-Frank’s restrictions have actually made it harder to grow the economy.

More Than Just Two Sides

Proponents who believe Dodd-Frank should be repealed say that the measures implemented by Dodd-Frank were overly restrictive and limited banks too much, forcing them to decrease their lending and ultimately harming the nation’s economy. For example, the Volcker Rule, which has received some airtime recently, limits how banks can invests. Those who are against Dodd-Frank and the Volcker rule, in particular, believe this has curtailed the financial abilities of banks and hindered their abilities to be more profitable.

Some economists believe that Dodd-Frank would benefit from additional reforms to ensure that consumers remain protected but that oversight committees monitoring the activities of banks and financial institutions are more diverse.

Those who are against repeal believe Dodd-Frank’s protective measures are necessary for ensuring that the country does not enter into another recession because of high-risk financial activities that put consumers at risk. They believe the committees established by Dodd-Frank to monitor financial institutions and to protect consumers are necessary and may even need to be made stronger to ensure their survival.

As with any piece of legislation, there are many differing opinions. The current administration is poised to tackle Dodd-Frank and appears ready to both reform particular aspects and scrap others through both executive orders and legislative action. But what could this mean for small business?

The Economic Future for Businesses

For businesses, repeal of Dodd-Frank may mean a changing lending landscape. While some believe that reduced regulations will lead to more loans for small businesses, others are right to be wary. Citing that the amount that small businesses often need to borrow is generally too small for large banks to concern themselves with, some businesses do not expect any change to large banks’ small business lending activities.

How much repeal of or amendment to Dodd-Frank will help small businesses remains to be seen, however, history has shown that regardless of the state of the economy or financial legislation, many banks are reticent to lend to small businesses. It is likely that those same banks will continue to fund only a small percentage of small business loans, leaving millions of small business owners without the capital they need to grow their businesses.

Bank Loans Aren’t the Only Option

Thankfully, other options like factoring and purchase order financing help fill the gap by providing small business owners with vital cash flow quickly.

Capstone Capital Group, LLC, specializes in providing business owners with multiple business funding solutions. Our invoice factoring and purchase order invoicing services allows qualified business owners to gain access to necessary cash flow faster so they can remain competitive. In today’s marketplace, that’s essential for a business to remain viable. If you’re ready to learn more about the options available to you, call us today at 212-755-3636 or contact us online.

Small Business Funding Crunch - Capstone business financing

The Small Business Funding Crunch

11:07 15 October in Blog

According to a new study, there should be no doubt about how strapped for cash many small firms are today.

Small Business Funding by the Numbers

JPMorgan Chase Institute’s think tank relied on data collected from their in-house bank to work up an analysis of the current state of the small-business sector. They found that the small-firm landscape is less likely to be home to the future Ubers and Googles of the world and more likely to be filled with lots of tiny businesses living month to month.

The companies JPMorgan Chase Institute looked at may be small, but they represent a surprisingly large portion of the American economy. The Small Business and Entrepreneurship Council (SBEC) reports that small businesses account for nearly half of the national GDP and more than half of all new job creation in the U.S. — the latter being a metric that the Fed watches closely to determine whether or not the economy can cope with financial constrictions. But even though they’re contributing a great deal to the economy, JPMorgan Chase said, there remains ignorance about their financial outlook.

The Big Picture

On average, small firms surveyed in the recent study had just 27 days’ worth of cash reserves, which is defined as money needed to cover expenses if inflows suddenly stopped.

Restaurants typically hold the smallest cash buffers, with just 16 days of reserves, while the real-estate sector boasts the largest, at 47 days.

Small businesses looking to expand (or at the very least stay afloat) are finding it hard to build up reserve cash, with daily income exceeding expenses by only $7, according to the JPMorgan study.

The findings in the report arrive as optimism in small businesses begins to stagnate. The Small Business Optimism Index, maintained by the National Federation of Independent Business fell 0.2 percent in August. Currently, at 94.4, the index is well below its 42-year historical average (98.0).

Political Uncertainty Weighs

According to a chief economist from Bloomberg Intelligence, another expert quoted in the Bloomberg News story, political uncertainty stemming from the upcoming presidential election could be adding a little extra distortion to the current outlook on the small business sector.

Nearly 40 percent of the small business owners surveyed did cite political uncertainty as one of their biggest reasons for delaying expansion. That number represents an all-time high.

The JPMorgan Chase Institute says that it hopes small business owners focus more on factors over which they have control, rather than regulatory changes, taxes, and other things that are out of their hands.

JPMorgan’s advice to small businesses? Focus on having a clear sense of your liquidity picture. That’s the factor that is likely to have the most immediate impact on their livelihoods that they can act on.

Get in the Game with Capstone

For qualified clients, Capstone provides purchase order factoringsingle invoice factoring and full-contract factoring for work performed under contract with credit-worthy accounts. We have highly experienced professionals on staff to facilitate the purchase of work in progress and progress billing-related accounts receivable. To learn more about our services and how we serve small businesses, please visit our homepage.

Small Banks Get a Big Break - Capstone Financing

Small Banks Get a Big Break

10:37 29 September in Blog

Banks with less than $250 billion in total assets may soon be seeing a relief in their federal obligations. A proposed alteration from the Federal Reserve could mean that smaller regional banks who do not conduct significant nonbank or international business would be exempted from certain parts of the “stress tests” on their economic resilience.

Issue Background

2010’s Dodd-Frank Financial Reform Bill compels any banking institution with over $50 billion in assets to undergo yearly assessments designed to measure their viability against periods of financial stress. The ultimate goal is regularly ensuring that the system is strong enough to withstand widespread economic turmoil like that seen in 2008’s Great Recession.

The tests encompass a wide variety of stressors, from overall adequacy of the organization’s capital to structural stability to whether planned capital distributions are viable in a variety of scenarios. This is a rigorous and exhaustive process that can take up significant staff time and organizational funds.

More than 30 banks across the country take this test every year, but for smaller institutions, the cost outlay can be significant — particularly for those close to the $50 billion line. In a recent statement at Yale University, Federal Reserve governor Daniel Tarullo indicated that the organization would be moving to a more risk-sensitive, customized testing model.

Model Alterations

Tarullo’s statement indicates that banks that fit the aforementioned criteria (greater than $50 and fewer than $250 billion dollars in assets, limited international or nonbank business) would be exempt from the “qualitative” portion of the stress test, which deeply investigates the organization’s risk-management systems. However, all affected banks will have to demonstrate that they can survive a potential recession with adequate capital reserves to maintain lending operations, as well as additional scrutiny around mortgage and money-laundering rules.

Systemic Importance

The Fed is also reportedly considering a separate proposal that would raise the capital requirements for banks considered “systemically important.” In short, the modifications aim to create regulatory measures that are more stringent for financial organizations of greater importance, while relaxing non-essential requirements for smaller firms.

Single Invoice and Full-Contract Factoring from Capstone

For qualified clients, Capstone provides purchase order fundingsingle invoice factoring and full-contract factoring for work performed under contract with credit-worthy accounts. We have highly experienced professionals on staff to facilitate the purchase of work in progress and progress billing-related accounts receivable. Please visit our homepage or contact us directly for more information.

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