Our Services

Questions, Concerns, and Opportunity Objectives.
We help you achieve the financial and operational solutions.

Capital Advisor

When you need funding and do not have the time, network, or resources to pursue providers, we manage the process for you with your input. We utilize our relationships to efficiently obtain the right financing fit.

Commercial Banking loans – Puts existing cash flow and/or assets to work at historically low rates.

Banks make loans based on cash flow, i.e. how much money is flowing into the company from operations that can support the addition of a loan, as well as the value of collateral, i.e. accounts receivable, inventory, equipment, etc.

While commercial banking loans are generally more cost-efficient, the credit requirements are also more stringent and thus takes longer to receive funds. Ona Capital utilizes its strong banking relationships to streamline the process and ensure we find the right fit for you.

Asset-Based loans – Best suited for when asset values exceed present cash flows.

Banks and alternative lenders offer asset-based loan, which generally focus on the underlying value of the collateral such as accounts receivables, inventory, equipment, etc. Borrowers typically submit scheduled borrowing base reports, which detail the current value of the assets. Bank and other ABL lenders will also look at the Borrower’s ability to cover its fixed charges, i.e. obligations tied to specific assets.

Asset-based loans can take the form of a line of credit or a term loan.

Receivable finance – Sometimes called Invoice Financing or Factoring. Boost your cash flow by receiving early payment for your outstanding invoices. What could you do with the financial freedom?

  1. Borrower submits due invoices to lender for payment
  2. Lender buys and/or advances an agreed upon percentage of the face amount, typically 70-90%
  3. Lender is paid back when invoice is paid
  4. Process repeats itself on an as-needed basis

Inventory finance – Need goods to fulfill orders? Saying ‘yes’ to your customers is easier when you know you can ship product.

Inventory loans can be structured as lines of credit, term loans, or a combination thereof. Inventory loans are driven by an advance on the value of the inventory.

Purchase Order (PO) finance – Supplier payments in advance or upon shipment strain cash flow until the goods arrive or are sent to customers.

Purchase Order (PO) finance employs letters of credit or cash for docs to buy goods needed to fulfill orders. In lieu of a deposit, the Borrower can put up a letter of credit to their supplier(s), who can then submit the letter of credit for a loan from the supplier’s bank. PO financing covers up to 100% of the cost of goods, including those in-transit from the vendor.  PO financing is typically limited to pre-sold inventory. When the products ship to the Borrowers’ customers, generating a receivable, the Borrower’s receivable lender will advance funds to take out the PO financier.

Supply Chain or Trade finance – Pays your suppliers and extends you open terms up to 120 days and is often unsecured. 

Like PO finance, Supply Chain or Trade finance allows Borrowers to pay suppliers either early to take advantage of early payment discounts; or, Borrowers can pay on time with extended payment terms from the lender. Either method is a cash flow tool boost for both parties.

Machinery and Equipment Capex lines – That new assembly line equipment could expedite production; or maybe you are expanding your facilities or opening a new one and need the full package.

Do you want to own or lease? We should discuss the pro/cons of both. Capex Lines can start out as lines of credit and convert to term notes.

In lieu of additional equity, let’s put these programs with manageable payment schedules to work for you. SBA solutions usually take the form of a line of credit, term loan, or mortgage-backed term loan. There are also export insurance options we can discuss.

Sometimes an influx of capital is needed to get through the most challenging business situations. There are several options when it comes to bridge loans, mezzanine and unitranche, and DIP financing.

Management Consulting

Applying our customized solutions to your daily challenges can stimulate growth, save costs, and drive profits. We turn those aspirations into reality, assisting with both strategy and execution.


Our insights include:

Let’s improve those operations and systems to maximize profits efficaciously. Lean performance enhancements can be as simple as utilizing a sounding board or as complex as a complete process overhaul. Either way, we can help.

We’ll sort through the distractions and help resolve the challenges.

Helping companies stop losses and start generating profits is just the beginning. We work with management and employees both in the offices and on the plant floor to make improvements. We implement cash management practices. Part 13-week cash flow, part practical application, we develop solutions that will help the company today and in the future.

As CRO, we can act as a connection between shareholders and lenders, suppliers, and other creditors, helping all involved to maintain relationships. When necessary, we can refinance existing loans to match the situation.

Triple bottom line – when your work means more to you than profits alone, we can help address your ESG objectives. From materials processing to supply chain initiatives, we’ll align your goals with your commitment to the big picture and bolster your reputation and performance.

We are there to fill in the void when the company needs a new team member. As interim c-suite operators, we can satisfy the roles of CEO, CFO, COO, and other positions.

We also serve as independent directors on boards.

Apply now to learn about capital funding options available for you

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