# Working Capital Financing

Flexible, customized financing solutions to support operations, improve liquidity, and drive growth.

## Financing Solutions for Your Business

From receivables and inventory to purchase orders and operating cash flow, we offer a range of financing solutions that can be structured individually or combined based on the needs of each transaction.

- [Receivables Financing](https://www.gobacapital.com/solutions/receivables-financing/): Advance against approved invoices to release cash tied up in customer payment terms.
- [Asset-Based Lending](https://www.gobacapital.com/solutions/asset-based-lending/): Revolving lines secured by receivables, inventory and other business assets.
- [Purchase Order Financing](https://www.gobacapital.com/solutions/purchase-order-financing/): Funding against verified purchase orders so you can accept the order and deliver.
- [Supply Chain Financing](https://www.gobacapital.com/solutions/supply-chain-financing/): Payables optimization that supports suppliers without straining your balance sheet.
- [Cash Flow Loans](https://www.gobacapital.com/solutions/cash-flow-loans/): Facilities structured around operating cash flow rather than a single asset class.
- [Term Loans](https://www.gobacapital.com/solutions/term-loans/): Amortizing capital for expansion, equipment and long-horizon initiatives.

## Working Capital Financing at a Glance

- **Facility Size:** $3M – $100M across the platform, depending on product
- **Financing Structures:** Revolving, transaction-based, and term facilities
- **Financing Basis:** Receivables, inventory, purchase orders, cash flow, and other eligible business assets
- **Geographic Coverage:** United States and eligible cross-border transactions involving Latin America
- **Flexibility:** Standalone and combined financing structures

_Facility sizes, terms, security requirements, and availability vary depending on the financing product, transaction structure, and underwriting._

## Financing Built Around Your Business

Traditional financing structures don't always reflect the way businesses operate. We take the time to understand your business model, operating cycle, collateral, and growth plans before developing a financing solution.

- **Customized Financing.** Financing structures tailored to your operating cycle, financial requirements, and business objectives.
- **Flexible Solutions.** The ability to evaluate different financing products and combine structures when appropriate.
- **Speed & Responsiveness.** A dedicated team focused on timely evaluations, direct communication, and dependable execution.
- **Partnership Approach.** We work closely with clients to understand their challenges and develop financing structures aligned with their business strategy.

## Capital for the Opportunities Ahead

Working capital requirements evolve as businesses grow. Our financing solutions are designed to help companies navigate operational demands, manage liquidity, and pursue new opportunities.

- **Managing Cash Flow.** Access liquidity tied up in customer payment terms and outstanding receivables.
- **Fulfilling Larger Orders.** Finance eligible supplier costs and operational requirements associated with confirmed purchase orders.
- **Purchasing Inventory.** Support inventory purchases and the working capital requirements of production and distribution cycles.
- **Supporting Suppliers.** Improve payment flexibility and strengthen supplier relationships through structured financing arrangements.
- **Business Expansion.** Access capital to support business growth, equipment needs, and qualifying expansion initiatives.
- **Managing Seasonal Demand.** Structure financing around fluctuations in sales, purchasing requirements, and operating cycles.

## Industry Agnostic. Opportunity Focused.

Our experience spans a broad range of industries, each with unique operating cycles, financing requirements, and growth opportunities. Rather than taking a one-size-fits-all approach, we evaluate each opportunity individually to determine an appropriate financing structure. Our financing capabilities extend beyond the industries listed below.

- Manufacturing & Distribution
- Food & Beverage
- Technology & Electronics
- Healthcare
- Consumer Goods & Retail
- Transportation & Logistics
- Construction & Building Materials
- Energy & Commodities
- Agribusiness & Export Trade

## More Than Individual Financing Products

Customized solutions for opportunities that don't fit a standard structure.

Not every working capital requirement can be addressed through a single financing product.

Goba Capital can evaluate and combine different financing solutions to accommodate multiple needs within the same business or transaction. Each facility is structured based on the company's operating requirements, available collateral, and financing objectives.

Flexible solutions. Customized structures. A partner that understands your business.

## A Partnership-Driven Approach to Financing

We believe the right financing solution starts with understanding the business behind the opportunity.

1. **Understand Your Business.** We evaluate the company's operations, financial performance, cash flow requirements, collateral, and financing objectives.
2. **Structure the Solution.** Our team assesses the opportunity and develops an appropriate financing structure based on the business's needs and credit considerations.
3. **Execute & Fund.** We coordinate due diligence, documentation, and execution, prioritizing responsiveness and clear communication.

## Your Business Moves Differently. Your Financing Should Too.

Let's explore a customized financing structure that supports your business needs and opportunities.

[Discuss Your Financing Needs](https://www.gobacapital.com/contact/)