Files that were underwritten before they reached your desk.
ABL, factoring, equipment finance and acquisition debt for asset-heavy blue-collar borrowers. We do the work your analyst would otherwise do twice — and we tell the client no long before you have to.
Why most files waste your time
A broker sends a deal with a summary P&L, an adjusted EBITDA nobody can trace, an equipment list with no liens attached and a borrower who has not been told what a borrowing base is. Your analyst spends four days getting it to a state where it can be declined. Multiply by the number of brokers in your inbox.
We came from your side of that. Mark Peterson ran the lending side of these facilities — underwriting, funding, monitoring and, when it went wrong, recovering. We know which questions the credit memo has to answer, because we wrote them.
The package, every time.
Earnings you can lend against
Every add-back traced to source or stripped. Owner compensation normalized to market replacement cost, not zero. The number we send is the number we would lend against ourselves.
Collateral, honestly valued
Unit-level equipment schedule: year, mileage or hours, condition, lien holder and payoff. Valued at auction or orderly liquidation value for the downside case — never seller book value.
Receivables reality
Agings, concentration, cross-aging, dilution and whether an existing factoring line already sits in first position on the A/R. We flag encumbrances before you find them.
Coverage, stress-tested
Debt service modeled on conservative numbers and again at revenue down 20%. If it does not clear 1.5x, we have already rebuilt the structure or told the client to walk.
Concentration measured
Revenue by customer for three years. Anything over 30% is flagged in the file, with the mitigation, rather than discovered by your analyst in week two.
A borrower who is ready
Applications completed, documents gathered, and an owner who has been told in plain language what a borrowing base is and what a validity guaranty means. Fewer surprises at closing.
What we already place, and what we are adding.
Today we work with bank-owned ABL desks, independent factoring groups writing from roughly $500K to $40MM, transportation-specialist factors, equipment lenders and private credit. We are not naming them here — several sit inside live transactions and those names are not ours to publish.
What we are looking for: lenders with a genuine appetite for asset-heavy blue-collar borrowers, who will tell us their box honestly and hold us to it, and who can move at the speed a transaction needs. Slow is the same as no when a seller has another buyer.
If that is you, send your credit parameters and the deals you have declined recently. We will screen against them before anything reaches your desk.
Straight answers.
What does a Blue Collar CFOs file look like?
Normalized earnings with every add-back traced, a unit-level equipment schedule with age, hours, liens and orderly liquidation values, revenue broken out by customer with concentration measured, a thirteen-week cash forecast, and a debt service model run at conservative numbers and again at a 20% revenue decline. Plus the documents your checklist asks for, complete, first time.
Which products do you place?
Asset-based lending, invoice factoring, equipment finance, acquisition and growth debt, and working capital lines. Transportation and construction are the heaviest flow.
Do you shop a deal to twenty lenders?
No. Blasting a file across a market burns the client and wastes your underwriters' time. We match a deal to the two or three lenders whose box it actually fits and tell the client why.
What size facilities?
Roughly $500K to $40MM depending on product and lender. Most flow sits between $1MM and $10MM.
Will you send us deals that do not fit?
We would rather you told us the box once and held us to it. Send us your credit parameters, exclusions and the deals you have declined recently, and we will screen against them before anything reaches your desk.
Send us your credit box and we will screen to it.
Fifteen minutes to understand what you actually want. Then you stop getting files that waste your analyst's week.