Collateralized Financing

What Is Collateralized Financing?

LexCap advises businesses on how to access fast, non-dilutive capital using assets they already control—such as receivables, purchase orders, or government contracts.

We’re not a lender. We work with a trusted network of specialty finance providers to structure custom, asset-backed funding solutions that can unlock working capital in as little as 5 to 10 days.

Who We Help

We specialize in arranging working capital for businesses that:

• Sell business-to-business (B2B) or business-to-government (B2G)
• Are growing fast but can’t access bank financing
• Have real revenue but limited credit, collateral, or time
• Need working capital to fulfill orders, cover payroll, or grow
• May be startups, distressed, in turnaround, or post-bank workout
• Have challenges traditional lenders avoid: negative net worth, IRS issues, or limited credit

If a company generates invoices, fulfills large POs, or has secured government contracts—we help make that capital liquid.

How It Works

We use your purchase orders, invoices, or inventory as collateral—not your personal credit score. This means:

• Faster approvals
• Flexible structures
• Support even when banks say no

Whether you’re fulfilling a large government contract or navigating a cash crunch, we can help structure a deal that delivers the capital you need—when you need it.

Fast, Flexible, and Collateral-Backed

We focus on what’s tangible: if your business generates invoices or receives purchase orders, you may qualify. Our approach allows us to fund:

• Startups and small businesses (especially those under $5M in annual revenue)
• Entrepreneurs with unique challenges or time-sensitive deals
• Clients needing up to $5M+, with partner support for larger funding

With lending partners across major U.S. financial centers, LexCap delivers the reach, responsiveness, and real-time access needed to secure funding—especially when traditional banks can’t.

What Types of Collateral
Can Be Leveraged?

Through our network of non-bank and private lenders, we help arrange financing backed by:

• Accounts receivable (A/R)
• Purchase orders (POs)
• Government receivables
• Inventory or contract-backed obligations
• Liquid secured assets (case by case)

Typically, our specialty lenders don’t require personal guarantees, institutional backing, or high credit scores.

Real World Examples

Why It Matters

Collateralized financing offers a third option between banks and equity dilution. It’s fast, flexible, and often overlooked by traditional advisors.

LexCap specializes in identifying overlooked collateral and packaging it for the right funding partner—quietly and efficiently.

“We don’t fund the balance sheet. We fund the opportunity.”

SBA Lending Referrals

We help businesses navigate the SBA loan process through a trusted referral structure.
Whether it’s growth capital, equipment financing, or partial business acquisition funding, our network of SBA-aligned lenders may be able to assist.
LexCap is not a lender. We refer qualified borrowers to approved SBA contacts who can help complete the application and funding process—often with better odds than going solo.

Typical SBA Use Cases

• Business acquisition (including franchise or asset purchase)
• Equipment financing
• Working capital for expansion
• Management buyouts or ownership transitions

We’re not a lender—but we know the process, the players, and what makes a deal viable.

Need Funding? Let’s Talk

If your business sells to other businesses or the government, there may be capital trapped in your
contracts, receivables, or POs.

We may be able to help—even if others won’t.

Let’s explore how we can help arrange the right structure.