Insights & Articles
Practical guides to business financing, working capital, and growth from Sussex Capital.
Construction Retainage: Financing the Next Job
Retained payments can leave an established contractor short of cash for the next job. Separate release conditions, eligible invoices and project costs before choosing financing.
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Permanent Working Capital: When the Credit Line Stays Drawn
A credit line that stays drawn can reflect a larger year-round operating requirement. Separate that core from seasonal peaks before choosing the financing structure.
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Used Equipment Financing: Check Value and Remaining Life
A lower purchase price is only part of the decision. Assess the specific machine, its remaining productive life and the cash needed to put it to work.
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Seller Financing a Business Acquisition: Plan Beyond Closing
A seller note can reduce cash due at closing. Evaluate its payment start, creditor priority and maturity alongside the senior acquisition loan.
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Commercial Property Refinancing: Plan for Lease Expirations
Compare refinancing now, waiting for a signed renewal and interim financing while budgeting for the cash gap before replacement rent starts.
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Equipment Refinancing: Calculate the Cash You Can Use
The amount of a new equipment loan is not the amount available to spend. Work through payoffs, closing deductions and the new repayment commitment.
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Contract Financing: Funding Work Between Payment Milestones
A finished milestone does not always release cash immediately. Compare funding for the work, customer acceptance and the payment interval that follows.
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Partner Buyout Financing: Debt Capacity After an Owner Exits
An owner’s departure does not free up all of their compensation for debt service. Build the financing plan around the team and obligations that remain.
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Equipment Loan vs. Lease: Ownership and End-of-Term Costs
A lower equipment payment can leave a purchase price or return obligation at the end. Compare the outcome you want before choosing a financing structure.
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Second Location Financing: Plan the Buildout and Opening
Separate the cost of preparing a second site from the cash needed to open it, then compare financing against the dates those bills must be paid.
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Business Loan Balloon Payment: Refinancing Before Maturity
A loan coming due calls for more than a replacement payment quote. Compare the repayment routes, cash needed at closing and conditions that could delay funding.
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Buying Business Property: Financing Without a Cash Squeeze
Compare the property purchase, ongoing occupancy costs and cash left for operations before choosing a commercial real estate financing structure.
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