Loans & Lines of Credit

We use the Chartered Banks for some but not all of these products. Many other providers are in the market and new funders start up frequently. SW has access to many good lenders and can select the most appropriate and favourable structure for your company.

Operating lines of credit are a reality for many small businesses, especially those which carry large inventories, have large receivables, or work on a project- or contract-basis. This may include:

• A manufacturer who must purchase raw materials and assemble them prior to selling them (and earning any revenue);
• Companies that operate on a seasonal basis, and need extra cash reserves during their off season to survive;
• Or any other business that must wait for some time for payment to be made for services rendered.

How does it work?

Under your contract with SW Consulting, we will advise you on the best source of working capital financing for you given the set of guidelines you provide and within the means fo the company's financial performance to qualify for. This will involve giving options which may appeal to the borrower liek absence of personal guarantees, elimination of restrictive financial covenants, improved borrowing power against assets and a variety of other improvements that can be made to your situation.