INTEL
FV Vantage (FV) assisted a landscaping client who was stuck in a deadly spiral of stacking cash advances break free by consolidating 12 cash advances into one single payment, over a 12 month period lowering their monthly debt expenses by over 50%.
With the freed up cashflow, the client is now able to focus on rebuilding their business for growth vs focusing on making debt payments.
This was the first step to an overall funding strategy structured by FV with the overall long term road map to ongoing productive capital to help client grow and expand its landscaping business.
Next step for the client now positioned to qualify for better terms is allowing for 1-2 months for business to stabilize showing improved financials for the funding of a lower interest longer term loan and AR financing.
Together between the term loan and AR financing, by taking out of the steppingstone debt consolidation loan with the added unlocking of tied up cashflow via AR financing, the client is able to for the first time in almost a year be able to productively utilize funding to grow and scale their business again.
ELEMENTS
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ClientSolutionCollateralNo. of LoansAmount FundedLoan TermAvg Ann. Rev.PaymentsResultsTime to Fund
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Commercial & Residential Landscaping BusinessDebt Consolidation (unsecured)None12$700k12 month$2.6MWeekly50%+Reduction in Mthly Debt Expenses3 Days
Disclaimer. All quantities and values are approximated. This case study is written as a high-level overview illustrating actual solution provided for educational purposes only.To uphold confidentiality, identifiable information has not been disclosed and all figures approximated. This case study should not be understood or used for any legal, tax or financial advice. Please seek the proper counsel of qualified professionals before making any investment or financial decisions.
