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Factoring and Asset-Based Lending Programs

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Access flexible financing to meet your business’s unique needs

SBA loans are small business loans that are partially guaranteed by the SBA which assist lenders to make loans they might not otherwise be able to make. Whether you're embarking on a new business venture, investing in large purchases like commercial real estate or equipment, or undertaking construction or renovations, Climate First Bank is here to support you with the financing your business needs to thrive.

  • Bridge cash flow gaps caused by slow paying customers.

  • Finance growth initiatives, like expanding operations or purchasing equipment.

  • Navigate seasonal fluctuations or unexpected expenses without taking our traditional debt.

Our team of experts is dedicated to delivering customized financial solutions, empowering you to focus on what matters most - running and growing your business.

Invoice Factoring Program
Factoring is a powerful financing solution that turns your accounts receivable into immediate cash flow.  Instead of waiting 30, 60, or even 90 days for clients to pay their invoices, we accelerate that cash cycle by providing upfront funding allowing you to focus on what you do best, running your business.
  • Advance rates up to 95%.
  • Up to $10,000,000 credit limits.
  • Competitive factoring discount fees.
  • Flexible structure options.
  • Quick approval process for funding.

‍How it works:‍

  • Submit your invoices to us on your online portal.
  • We verify the invoices using our various tools to ensure that the good or service has been completed.
  • We send you an advance.
  • We are paid by your customer and we rebate you the difference.
Asset-Based Lending Program
Asset-based lending (ABL) provides flexible funding solutions by using your business assets - such as account receivable, equipment, inventory as collateral. This scalable financing allows you to access the capital you need to support operations, growth initiatives or manage unexpected challenges, all without giving up equity.
  • Unlock funding tied up in receivables, equipment and inventory.
  • Up to $15,000,000 credit limits.
  • Scalable credit lines that grow with your business.
  • Flexible terms tailored to your cash flow and operation goals.
  • Advance rates up to 95% on receivables.
  • Competitive advance rates on equipment and inventory based on their value.
  • Quick access to traditional bank financing through our bank once your business is ready.
How it works:
    • Apply for our Asset-Based Lending program.
    • We evaluate your assets value and provide advance rates against each of them.
    • Utilize our online borrowing base to create funding requests, much like a revolving line of credit.

Bank like tomorrow depends on it!

As the nation’s first climate-focused bank, Climate First Bank is a full-service community bank offering both personal and commercial banking services. We are proud to serve our communities as we work together to promote sustainability and reverse the climate crisis. Click below to open your account today!
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