Equipment Financing
Equipment financing in Green Bay structures the asset itself as collateral, so lenders often approve deals with lower down payments than conventional term loans. Underwriters verify the equipment's model, age, and resale value, then compare your monthly revenue to the proposed payment. A food processor in Ashwaubenon used equipment financing to buy a vacuum sealer and flash freezer; the lender required three months of bank statements and an invoice from the dealer. We explain whether your equipment qualifies as "soft" (computers, furniture) or "hard" (trucks, machines) because approval criteria differ.
Business Lines of Credit
A business line of credit in Green Bay gives you revolving access to capital, and you pay interest only on the amount you draw. Lenders evaluate your average daily balance, accounts-receivable aging, and personal credit. A landscaping contractor in Suamico used a line of credit to cover payroll during the March-to-May ramp-up, then paid it down after invoice collections in June. We clarify whether the line requires a blanket lien on inventory and receivables or only a personal guarantee.
Working Capital Loans
Working capital loans fund payroll, inventory purchases, marketing campaigns, and seasonal gaps. Underwriters focus on your operating cash flow and bank-account activity over the past three to six months. Because these loans carry shorter terms (often six to 18 months), lenders calculate whether your revenue can absorb weekly or daily payments. We show you the payment schedule and total cost before you commit.
Commercial Real Estate Loans
Commercial real estate loans finance the purchase or refinance of owner-occupied property. Lenders order an appraisal, review rent rolls if you lease part of the building, and analyze your debt-service coverage. A physical-therapy clinic in De Pere refinanced its building on Main Avenue to pull out equity for a second location; the lender required 20 percent equity to remain in the property and two years of tax returns showing stable income.
Invoice Factoring
Invoice factoring converts outstanding receivables into immediate cash. The factoring company buys your invoices at a discount and collects directly from your customers. Approval hinges on your customers' creditworthiness, not yours. A staffing agency in Green Bay used factoring to meet payroll every Friday while waiting 60 days for client payments. We explain the advance rate, the reserve account, and any recourse provisions.
