Manufacturers and other businesses occasionally need access to short-term capital for growth, acquisitions, working capital needs, restructuring, or other time-sensitive opportunities. This may be a result of any number of issues such as:
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Short operating history
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Expansion into new markets
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Slow paying receivables
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Merger or acquisition
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Loss of major accounts
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Restructuring
Perfection Financial Solutions (PFS), a division of Perfection Global, provides asset-based financing for businesses that need an alternative or supplement to traditional lending sources. We provide capital based heavily on the value of a company’s underlying assets, rather than relying solely on cash flow or leverage ratios.
Our process is designed to be direct and responsive, with a focus on the underlying assets and the specific circumstances of the transaction.
Perfection Global has worked with industrial assets since 1963. Our experience in machinery valuation, sales, and asset management helps our team evaluate collateral and structure financing efficiently.
Contact Perfection Financial Solutions to discuss your bridge loan or working capital needs, or call us at (847) 427-3333.
Bridge Loans
A bridge loan provides short-term financing when a business needs capital to address a time-sensitive need or opportunity. Funding may be used to support an acquisition, maintain operations, bridge a cash-flow gap, complete a project, or provide additional liquidity while longer-term financing is arranged. PFS bridge loans are typically structured for a period of approximately four to nine months.
PFS provides bridge financing through short-term notes and sale-leaseback structures, with financing supported by the value of the underlying assets. These structures can provide businesses with additional liquidity during a transition, restructuring, acquisition, refinancing, or other situation where conventional financing may not meet the required timeline.
Short Term Working Capital Loans
Short-term working capital financing can provide additional liquidity for a range of business needs, including:
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Increasing inventory to support sales growth
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New customer opportunities or additional product lines
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Extended customer payment terms or slow-paying receivables
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Temporary operating losses or reduced cash reserves
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Changes in an existing banking relationship
PFS focuses primarily on short-term financing designed to address temporary capital needs. Each opportunity is evaluated based on the business circumstances, available collateral, financing need, and anticipated repayment strategy.
Bank Note Purchases
Banks and other commercial lenders periodically seek to reduce exposure to sub-performing or non-performing commercial loans. PFS considers opportunities to acquire distressed commercial notes and other commercial credit assets, particularly where the underlying collateral includes machinery, equipment, or other industrial assets.
Sub-performing loans
Sub-performing loans may include accounts with recurring late payments, past-due balances, modified repayment terms, or existing forbearance agreements. PFS may evaluate these opportunities based on the credit, collateral, and circumstances surrounding the loan.
Non-performing loans
Non-performing loans generally include commercial accounts where scheduled payments have ceased or the loan is materially in arrears. PFS may consider acquiring these assets based on the underlying collateral and transaction circumstances.