Capstone Capital Group, LLC

A contractor holding a large order but no cash to pay the supplier is the kind of situation this private finance company says it exists to solve. It describes itself as a source of business funding for firms that are proven but short of capital, and its site says it has been providing quick, easy funding to businesses across the country for thirty years.

Cash from invoices that customers have yet to pay

Invoice factoring is the first product named, with accounts receivable funding as its companion. Money that is tied up in unpaid customer invoices is advanced to the business, and the firm offers the arrangement on a recourse basis or a non-recourse basis. The site explains the difference between the two so a business can choose the terms that suit it.

Paying suppliers before the goods ship

Purchase order financing is aimed at the business that has won an order too big to cover from its own reserves. The site describes the damage that follows when a firm cannot pay for materials and has to turn down or botch a job: lost credibility with future clients and harm to its name. Trade and import financing sits next to it for companies buying overseas or moving goods across borders.

Programs for particular kinds of business

The firm lists funding programs shaped around specific sectors:

• construction funding for contractors
• funding for minority owned businesses
• music royalty factoring
• contract manufacturer funding
• supplier and distributor funding
• staffing and temp agency funding

It says it works with suppliers, manufacturers, contractors and the clients they serve, and that a seasonal trade such as painting or landscaping is a typical case where cash runs short between busy periods.

Why growing firms run short

The site argues that the early and growth phases are the hardest for cash flow. A company may start with credit limits that do not reflect recent growth, then face costs it did not plan for: a larger space, extra research and development, new staff, more locations, or tools and transport for a big contract. Its answer is a program built around the individual business. Some funding is provided by the firm itself, and some is arranged through outside sources.

Partners and brokers

A referral and broker program is offered for intermediaries who send business its way, and the site invites visitors to request funding or speak to a representative directly.

Capstone Capital Group, LLC is a private finance company that funds businesses through factoring and other cash flow solutions. Its website says it serves businesses nationwide and aims to give them steadier cash when money is tied up in invoices or large orders.

Products and services

• Invoice factoring: funding against customer invoices, offered with recourse or non-recourse terms.
• Purchase order financing: funding that lets a business pay its supplier when a customer order is too large to cover from cash.
• Trade and import financing: funding for trade and import activity.
• Construction funding: funding aimed at construction businesses.
• Sector funding: funding for minority owned businesses, music royalties, contract manufacturers, suppliers and distributors, and staffing and temp agencies.

Customers and markets

Its funding programmes cover construction, staffing, manufacturing and distribution businesses, along with minority owned firms. The site also lists a referral and broker program for partners.

Key facts

• Coverage: nationwide, according to its website.
• Track record: 30 years, as its website says.
• Partners: referral and broker program.