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Minnesota's #1 Source for Business Capital

Minnesota Business Capital

Welcome to Minnesota Business Capital. We specialize in providing innovative Financing solutions to meet the needs of small to mid-sized businesses throughout the state of Minnesota.

From our headquarters in Burnsville, Minnesota Business Capital has been a leading source of Business Capital since 1994. We offer Business Capital lines from $50,000 to $10,000,000. Our customers come in all shapes and sizes and from almost every industry imaginable.

At Minnesota Business Capital, we distinguish ourselves from other financial institutions with our "Get it Done" culture. We challenge our staff to find innovative solutions to meet our customer's Business Capital needs.

Minnesota Business Capital programs are custom tailored for you by our highly trained advisors using our exclusive "Fast Track" approval system. In most cases Minnesota Business Capital can provide you with one or more Business Capital solutions and a rate quote in just 5 Minutes.

 

Want to learn more? Please call 952.656.3400

 

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More information on Minnesota Business Capital

Minnesota Business Capital is the premier source for Business Capital throughout Minnesota.  Minnesota Business Capital provides Business Capital, Factoring and Accounts Receivable Financing solutions for small to mid-sized companies in many industries.

*Minnesota is the twelfth largest state of the United States. Minnesota is the twenty-first most populous state, with over 5.3 million residents. Minnesota was admitted to the Union as the thirty-second state on May 11, 1858. Minnesota is known as the Land of 10,000 Lakes. The name Minnesota comes from a Dakota word for "sky-tinted water". The Lakes, along with forests, parks, and wilderness areas, offer residents and visitors a variety of outdoor recreational opportunities.

Nearly 60% of Minnesota's residents live in the Minneapolis-St Paul metropolitan area known as the Twin Cities. The Twin Cities are the center of transportation, business, industry, and education, and home to an internationally known arts community. The remainder of Minnesota consists of western prairies now given over to intensive agriculture; deciduous forests in the southeast, now cleared, farmed and settled; and the less populated North Woods, used for mining, forestry, and recreation.

Minnesota is known for its relatively liberal social and political orientation, and has a high rate of civic participation and voter turnout. Minnesota ranks amoung the healthiest states, and has a highly literate population. The large majority of residents are of German or Scandinavian descent and the state is known as a center of Sandinavian-American culture. Ethnic diversity has increased in recent decades. Substantial influxes of African, Asian, and Latin American immigrants have joined the descendants of European immigrants and the original Native American inhabitants.

Minnesota Business Capital offers a wide variety of Business Capital products for companies located in Minnesota. Whether you're an established business looking to refinance your existing Financing or a start up looking for growth capital, chances are we have the right Business Capital Line for you.

Minnesota Business Capital programs are custom tailored for each of our customers by our highly trained Business Capital advisors using our exclusive Fast Track qualifying system which is the only one of it's kind.

Minnesota Business Capital programs include Asset Based Lending, Inventory Loans, Purchase Order Financing, Accounts Receivable Financing, Factoring and more.

The Banking Crisis has changed the way Banks provide a Business Capital to compaines. These changes have hit small to mid-sized Companies in an unprecedented fashion causing many businesses to be stripped from their lines with little or no notice. Our expertise in these situations, has allowed us to work out deals with banks and customers, creating a win-win situation for all parties involved. If you currently have a Business Line of Credit with a Bank and are being asked to leave for whatever reason, you have come to the right place as we can help you get through these tough times.

For more information on what we can do for your business please call one of our Business Capital advisors at 952.656.3400

Minnesota Business Capital "Asset based Loan"
In the simplest meaning, an asset-based loan is any kind of lending secured by an asset. In this sense, a mortgage is an example of an Asset based loan.  More commonly however, the phrase is used to describe a Business Line of Credit to a company or large corporation using assets not normally pledged in other loans. Typically, these loans are tied to inventory, accounts receivable and equipment.

At Minnesota Business Capital we offer this type of Business Line of Credit. Our Asset Based Loan or Business Line of Credit is designed to allow the company to bridge itself between the timing of cash flows of payments it receives and expenses. The primary timing issue involves what are known as accounts receivables - the delay between selling something to a customer and receiving payment for it.

At Minnesota Business Capital, our Asset-Based Loan programs generally have a revolving credit limit that fluctuates based on your companies accounts receivables and inventory balances. We can advance on open accounts receivables as well as raw and finished inventory.
Factoring of receivables is a subset of an Asset-based Loan or Business Line of Credit and is often used in conjunction with a standard Asset Based Loan facility, which uses inventory or other assets as collateral.

To find out more about a Minnesota Business Line of Credit, please call 952.656.3400

Minnesota Business Capital  "Account Receivables"
At Minnesota Business Capital, we can provide a Business Line of Credit to a company using their Accounts Receivables as collateral. 
Accounts Receivables also known as (A/R) is the transaction that deals with the billing of customers who owe money for goods and services that have been provided to the customer. In most cases invoices are generated after the product has been delivered or service preformed. Purchase Orders and any applicable signoffs typically accompany the invoices.

The overall cost of a Business Line of Credit is based in part by the payment terms of the invoices. For example, a common payment term is Net 30, which means payment is due in the amount of the invoice 30 days from the date of invoice. Other common payment terms include Net 45 and Net 60 but can be for any time period agreed upon by the business and its customer. The longer the payment time the more you can expect to pay for your Business Line of Credit.

At Minnesota Business Capital, we provide complete Risk Assessment and Credit Analysis services for all of our customers. With today's fast moving economic environment real time credit analysis is more important than ever before.

Minnesota Business Capital "Invoice Discounting"
Invoice discounting, also known as Factoring or Accounts Receivable financing, is a form of short-term business finance used to improve a company's working capital and cash flow position.

Invoice discounting allows a business to get a Cash advance on its unpaid invoices. For more information on this type of Business Capital solution please call one of our New Business Representatives at 952.656.3400.

Minnesota Business Capital "Factoring"
Factoring is a financial transaction whereby a business sells its Accounts Receivables(invoices) to a Finance Company at a discount in exchange for immediate cash.

Factoring is different from a bank loan in two significant ways. First, the Factoring Company places the emphasis on the value of the receivables, not necessarily the firm's credit worthiness or fixed assets. Secondly, factoring is not a loan - it is the purchase of a financial asset (the receivable). The receivable is a financial asset associated with the debtor's liability to pay money owed to the seller for work performed or goods sold. The seller sells its invoices (the receivables) at a discount to the Factoring Company to obtain the cash needed for day-to-day operations.

Minnesota Business Capital "Working Capital"
Minnesota Business Capital will analyze a company's working capital, also known as net working capital or NWC. Working Capital is a financial metric, which represents operating liquidity available to a business. Along with fixed assets such as plant and equipment, working capital is considered a part of operating capital. It is calculated as current assets minus current liabilities. If current assets are less than current liabilities, an entity has a working capital deficiency, also called a working capital deficit.
Working Capital = Current Assets ' Current Liabilities

A company can be endowed with assets and profitability but short of liquidity if its assets cannot readily be converted into cash. Positive working capital is required to ensure that a firm is able to continue its operations and that it has sufficient funds to satisfy both maturing short-term debt and upcoming operational expenses. The management of working capital involves managing inventories, accounts receivable and payable and cash.

Want to learn more about Minnesota Business Capital? Call 952.656.3400 or Click here

Minnesota Business Capital - Industries Served

Sometimes securing Business Capital can be a challenge because of the unique nature of your business.  We offer a variety of creative Financing Solutions to companies in a wide range of industries.  We take pride in understanding the needs of our clients and working with them to meet their goals.

Minnesota Business Capital offers these Business Capital Lines:

Business Capital for Apparel & Garment Firms Business Capital for Marketing Companies
Business Capital for Communications Business Capital for Medical Firms
Business Capital for Consulting Companies Business Capital for Oilfield Services
Business Capital for Contractors Business Capital for Printers
Business Capital for Distribution Companies Business Capital for Recruiting
Business Capital for Engineering Business Capital for Security Firms
Business Capital for Environmental Services Business Capital for Service Industries
Business Capital for Government Contractors Business Capital for Technology Firms
Business Capital for Healthcare Business Capital for Temp Staffing
Business Capital for IT Services Business Capital for Transportation & Trucking
Business Capital for Logistics Business Capital for Utilities
Business Capital for Maintenance Firms Business Capital for Warehousing
Business Capital for Manufacturing Business Capital for Wholesalers

For more information about our Business Capital Solutions Please Call 952.656.3400

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