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Each corporate debt financing is unique due to each company having different characteristics, be it their credit profile, existing lender relationship, growth opportunities or operational structure and management. Deschutes Capital enjoys delivering value to the financing process for our clients with our understanding of the capital markets, debt structuring and corporate operations. I look forward to the opportunity to work with you.

-David Wyly, President

Business Cash Flow Loans

Business cash flow loans are practical for companies that have dependable or relatively stable annual cash flow but insufficient assets to use as collateral for an asset based loan.

Our corporate finance services for cash flow loans are flexible, creative and aggressive. We will help you through the cash flow financing process and lending alternatives as well as through the maze of cash flow lenders to obtain a competitive financing rate. Financing rates are typically in the range of Prime to Prime + 3% for senior debt, depending on financial market conditions and your company's credit profile.

Deschutes Capital can structure a cash flow loan based on your company's historical operating cash flow, EBITDA, future opportunities and equity position. We can also employ risk management tools, such as, credit insurance, when appropriate, to increase your company's borrowing capability.

If leveraged financing is needed, a cash flow subordinated loan may be appropriate, that can be funded with excess cash flow after senior debt service is satisfied. The stability of your company's historical operating cash flow and EBITDA will be critical determinants. Also relevant will be the business cycle risk of your industry, seasonality of your business, and credit risk profile of your company including the concentration of your company's customer base.

Deschutes Capital welcomes the opportunity to work with you and your company. Whether your company needs a cash flow loan for a working capital line of credit or for long-term capital investments ( CAPEX ), such as, plant, property and equipment, please submit a corporate finance form from the menu above so that an account executive can call you to discuss your company's cash flow financing needs.

Types and Purposes of Cash Flow Loans

Deschutes Capital structures and arranges cash flow loans, such as :

  • working capital loans,
  • revolving lines of credit,
  • term loans, and
  • subordinated debt / mezzanine debt.

Whether your company needs financing to:

  • refinance corporate debt,
  • finance company growth,
  • acquire assets, or
  • complete a corporate recapitalization,

Deschutes Capital can help. We are able to provide financing to a wide variety of industries and business credit profiles.

To explore the full range of financing that Deschutes Capital can provide, please go to the top of this page and click on the corporate finance form to submit some initial financial information so that we can have a more substantive conversation about your company and circumstances.

We pride ourselves on integrity, knowledge and relationships to deliver the service you deserve.