Flexible Working Capital Solutions Through Sovereign Commercial Capital, LLC

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Businesses don't slow down just because cash flow does. At Sovereign Commercial Capital, we help companies unlock the value already sitting inside their operations. As a national loan correspondent, we connect business owners with competitive Account Receivable Factoring and Asset-Based  Lending programs designed to provide immediate liquidity, stabilize cash flow, and fuel growth-without the friction of traditional bank underwriting.

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Our role is simple: deliver a streamlined, hassle-free experience while matching each client with the right capital partner for their needs.

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Accounts Receivable Factoring

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​A/R factoring allows businesses to convert unpaid invoices into cash fast. Instead of waiting 30, 60, or even 90 days for customers to pay, companies can access the cash they need immediately. A/R factoring is a good solution for businesses that need immediate cash even when the business or owners have credit issues. With factoring, your invoice is your credit. Lending decisions are based on the strength of the invoice and not the business seeking funding.

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Factoring Parameters

• Advance Rates: up to 90% of eligible receivables

• Facility Size: $100,000 to $10 million

• Invoice Aging: Typically up to 90 days

• Use of Funds: Payroll, inventory, growth, vendor payments, operating expenses.

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Ideal For Businesses That:

• Experience seasonal or inconsistent cash flow

• Sell on net-30, net-60, or net-90 terms

• Arre growing faster than their cash reserves

• Have been turned down by banks due to limited collateral or credit challenges

• Need immediate liquidity without taking on long-term debt

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Industries That Commonly Use A/R Factoring

• Staffing & professional services

• Manufacturing & distribution

• Transportation & logistics

• Wholesale suppliers

• Government contractors

• E-commerce and product-based businesses

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A/R Factoring is one of the most flexible working capital tools available- and Sovereign ensures the process is smooth from application to funding.

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Asset-Based Lending (ABL)

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Leverage Your Business Assets to Secure Larger, More Flexible Credit Facilities

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Asset-based Lending provides a revolving line of credit or term loan secured by a combination of business assets. This structure is ideal for companies with strong collateral but inconsistent cash flow or those seeking more borrowing power than a traditional bank line can offer.

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Asset-Based Loan Parameters

• Facility Size: $500,000 to $50 million

• Collateral Types:

  • Accounts receivable

  • Inventory

  • Equipment

  • Machinery

  • Real Estate

• ​Advance Rates:​

  • A/R: Up to 90%

  • Inventory: Up to 60%

  • Equipment: Appraised value-based

• Structure: Revolving line, term loan, or hybrid facility​

• Use of Funds: Growth capital, acquisitions, refinancing, turnaround strategies, and general operations

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Ideal For Businesses That:​

• Need a larger credit facility than banks will offer

• Have strong collateral but uneven cash flow

• Are undergoing rapid expansion, restructuring, or a turnaround

• Want a flexible borrowing base that grows with the business

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Industries That Commonly Use ABL​

• Manufacturing

• Distribution & Wholesale

• Industrial services

• Transportation

• Food & beverage

• Energy & construction

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ABL is a powerful tool for companies that need scalable capital tied directly to the strength of their assets.

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Why Businesses Choose Sovereign Commercial Capital, LLC

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Your Trusted Loan Correspondent for Working Capital Solutions

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Sovereign's Correspondent model gives clients access to a curated network of national lenders-without the stress of navigating the market alone. We handle the comparison, communication, and coordination so business owners can focus on running their companies. Whether your business needs short-term capital or a long -term capital solution, Sovereign delivers the lender access required to move forward with confidence.

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Ready to Strengthen Your Company's Cash Flow?

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Sovereign Commercial Capital, LLC is here to help you secure the right A/R Factoring or Asset-Based Lending solution for your business Our team ensures a smooth, efficient process so you can access the capital you need without the headaches. Call us or send us a message using the contact form below.

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