Finance

Take the next step in your financial journey with the team at Epova.

Our team is dedicated to relieving you of the complexities involved in assessing your financial situation and cash flow requirements. We specialise in identifying the optimal funding solutions tailored to your operational needs. With access to an extensive network of banks, financial institutions, lenders, and alternative financing options, we work diligently to ensure a smooth and efficient loan approval process for every client. Whether you require a micro loan to launch your business, a substantial cash injection to cover operating expenses, or financing for high-cost equipment, we are here to help you secure the necessary funds to achieve optimal profitability. We assist in obtaining short-term loans, long-term financing, and government funding assistance, all with the aim of securing the most favorable terms for your business.

Financing Options:

Cash Flow Loans

Trade Loans

Asset-Based Loans

Government Assisted Schemes

Alternative Financing

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Cash Flow Loans

Access the working capital needed to keep your business running smoothly.

Micro Loans

Typically defined as a short-term loan under $50,000, micro loans are an excellent alternative for small businesses who don’t need to borrow large amounts of money, or simply don’t have the solid business credit history required to meet more stringent loan requirements. Micro loans offer enhanced flexibility with no collateral needed, and funding can be secured in weeks, rather than the months-long approval process usually tied to larger loans.

Working Capital Loans

When you need an infusion of cash to support everyday business operations, such as administrative costs, payroll, rent, and overhead, a working capital loan will provide you with the funds needed to grow and expand. This provides a great funding option for companies that do not have stable revenue during all months of the year and offers a flexible way to cover essential daily operations that can’t be put on pause during times of decreased cash flow.

Revolving Credit Facility

Revolving credit can be accessed on demand as needed, and interest is only charged on the actual withdrawal amount. This gives borrowers the advantage of flexibility while not locking them in to paying interest on pre-established loan terms and conditions. The borrower can gain funding from this credit line as soon as the outstanding balance is paid off, until the terms of the revolving credit line expire.

Overdraft Facility

An overdraft facility is a safeguard that provides small businesses with peace of mind in times of fluctuating or reduced cash flow. The account holder is protected against overdraft fees or penalties when money is withdrawn in excess of currently available account funds. Business assets must typically be offered as collateral, although businesses must still remain within the pre-established overdraft limit set by terms of the bank or lending institution.

Trade Loans

Empower your business to manage trade cycles with tailored financing solutions.

Merchant Cash Advance

A merchant cash advance is a quick option for businesses who need urgent access to working capital. The money is lent based on the promise of repayment based on future credit or debit card sales and is therefore a good option for companies in the retail industry. Repayment can also be structured to include fixed withdrawals from a primary business account rather than a portion of credit card sales, allowing a wider variety of businesses to have access to this type of cash advance.

Invoice Financing/Factoring

Invoice financing, or factoring, is a financial solution that allows businesses to unlock the value of their outstanding invoices before they are paid by customers. It is a way for businesses to improve their cash flow by selling their unpaid invoices to a third-party lender, known as a factor. Instead of waiting the typical 30, 60, or 90 days for customers to pay, businesses can receive most of the invoice amount upfront—usually around 80% to 95% of the total invoice value.

Tradelines

Asset-Based Loans

Leverage your assets to secure flexible financing for business growth.

Property Refinancing

If you are a property investor or have a growing commercial real estate portfolio, property refinancing can offer you a chance to reduce debt, renegotiate loan terms, make smaller monthly payments, or obtain a lower interest rate. If you have an ample amount of equity in your property, a cash-out refinance can offer increased cash flow to expand your portfolio of investment properties, or to make expensive repairs or renovations.

Equipment Financing

Often businesses require heavy-duty machinery and expensive office equipment to effectively run their day-to-day business operations. With access to equipment financing, your business can gain the cash flow needed to support these purchases and grow business operations. Whether the equipment cash expenditures are equal to thousands or millions, there is an equipment financing option to support a variety of business needs.

Government Assisted Schemes

There are a variety of government funding options out there designed to assist small business owners and entrepreneurs. Through low-risk loans, grants, tax incentives, and other programmes, the government provides funding assistance that can give businesses the short-term support they need to get started. In addition to providing working capital, government assistance may also be available to struggling businesses who would benefit from a COVID-19 relief loan. We’ll help you learn if you quality and identify what options are available to you.

Alternative Financing

There may be many reasons that a business may be averse to traditional lending options or terms of repayment. In these cases, there are a variety of options for alternative financing to suit a business’s capital needs and funding preferences. Revenue-based financing, equity-based crowdfunding, and venture capital funding are a few of the options that rely on private investors to provide capital infusions and funding assistance.

Connecting Businesses, Fostering Relationships.

Take the next step in your financial journey with the team at Epova.

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