Emry Capital Financing Solutions

Inventory financing is a type of asset-based financing where working capital is provided to a company through accounts receivable, inventory, machinery, equipment as a collateral. Accounts receivable financing or factoring use outstanding accounts receivable as a means of financing. Both methods are usually used as a quick access to a working capital, money you use for daily operations. This can be alternative to a bank loan especially if you own a start-up company. There are other financing companies that can offer you factoring services and really help you manage a positive cash flow. Pledging accounts receivable means that you use your accounts receivable that are not paid yet as a collateral to obtain a loan but you are still responsible for collecting a loan as a business owner. Lender picks accounts receivable they want to accept as a collateral. Accounts receivable that are overdue or ones in which you extended the credit for too long are very likely to be refused by the...

Credit score is generated by an algorthm using your credit report. Its main purpose is to help lenders to decide whther to approve loan application and determine the terms of that loan. In other words they are determining risk, how likely is that you will repay your loan. Credit report and credit score is not the same but they are connected. There are three major credit report agencies also known as credit bureaus Equifax, Experian and TransUnion that collect information about you and sell it to other companies. Credit reports show what bureaus knowa bout you. They gather information from many sources. Part of their information they get from lenders. Lenders report loans you took to one or all theree agencies. This also means that your credit report might be different in each agency depending where lender reported it. Some lenders don't do reporting so it is important to work with ones that do if you are trying to build your credit. Other part of information comes from publ...

Your credit score is an important part of your life. Good credit score can help you greatly to achieve your goals. Banks and other financial institutions will review you credit report in order to decide whether to give you a line of credit or a loan. When you are taking out a mortgage, a car loan your credit report has a huge influence on the outcome.  Even potential employer can check your credit score before hiring you.  To be sure that your credit is looking good you should check it periodically. Credit reports sometimes have mistakes in them. Some experts estimate that there are errors in 10 to 33% of credit files. It is better to check it on time and avoid potential problems that can emerge from false credit report. You can check your credit by ordering a copy of your credit report and your score. Some of the reports are free and for others you have to pay. On AnnualCreditReport.com you can get free credit report from nationwide consumer credit reporting compani...

You might think that cash flow and profit are the same terms that can be used interchangeably. They are indeed the key aspects of a business but they represent two different financial parameters. Business can have a positive cash flow but no profit or it can have large profit but negative cash flow. How is this possible? Cash flow is exactly what the name says, the way cash flow trough business,its inflow and outflow. Companies use it to meet current and near-term obligations. If company has a negative cash flow in the worst case scenario it can lead it bankruptcy. Positive cash flow means that business can always pay suppliers, meet payroll, purchase inventory, pay taxes and other expenses. Conserving a cash flow is one of the most important features of a good business. It takes time and planning, sometimes even professional assistance. Profit, also called net income is a difference between gross income and expenses. When you subtract your expenditures from your s...

Many small businesses have problems with their financial health. You may need to utilize financial statement analysis to diagnose the problem. The three most common ones are debt management, inventory control and collecting accounts receivable and they all can inhibit your business's cash flow. As we mentioned earlier cash flow is the main reason why businesses fail so it's very important  to have positive cash flow and avoid cash shortages. If you already have an existing loan that is causing the problem, you may be able to get a consolidation loan or negotiate the loan terms. Debt consolidation is a form of debt refinancing that involves taking out one loan to pay for many others. It can secure a lower interest rate and convenience of repaying only one loan.Usually you will repay the debt in set amount of time.  If that is not an option for you can renegotiate loan terms. Modification can include the interest rate or the length of the loan, rate s...

Cash flow is the reason why 82% of small businesses fail according to the recent U.S Bank study, either poor cash flow management or poor understand of cash flow management contribute to the failure of business. Cash flow management is the process of tracking how much money is coming in and going out of your business. It includes monitoring, analyzing and optimizing cash flow in order to measure how healthy your business is. You want to prevent negative cash flow especially if you have recently started your business and it is rapidly expanding. As your business grow you will need more cash to for example, hire new employees, advertising, capital investment or to maintain inventory. One of the mistakes is often that you extend credit to your customers. Invoicing is usually done on 30 to 60 day terms and it is not rare for customers to delay payment. If that is your case than invoice factoring is the right solution for you. With invoice factoring you can turn unpaid invoices in...

Growing a business isn't always easy, it takes considerable time and effort as there are many challenges to face. Yet if you do it right all your endeavors and time spent will be worth it. Success doesn't happen overnight but there are several things that you can do in order to attain it. Every aspect of your business is important and deserves attention. Here are some suggestion for you to consider if you are seeking to improve your business Basically every business is selling some product and/or proving some kind of service to clients and customers in exchange for money. Every business also have employees who can vary in number from just a couple to couple of hundreds and more. It is assumed that good service or a product is a base of the business so naturally you want to offer the very best to your customers. The most logical way to do that is to target your demographic and then try to understand what kind of product or service they want. In that way you can comprehe...

If you are small company and even if you are a big company chances are you will need access to capital for various reasons. That is when the business financing also know as corporate finance comes in. When it comes to business finance it means that you will have to think about how to distribute resources, consider debt or equity financing, create economic forecast and plans. Smaller companies have smaller needs and sometimes less options than large companies so they may rely on outside advisers. Reaching for advice from financial advisers with a lot of experience and expertise can be very helpful. Finding the right financing model is of great importance for your business since it can affect its expansion and development. Businesses can seek financing for various reasons. Entrepreneurs have visions and dreams but they need cash to put that ides in motion, from creating the product or service, delivering it to the client or customer to building meaningful relat...

If you have business and you need to raise cash there are two options:debt financing which involves borrowing a fixed sum which is repaid with interest and equity financing where you sell percentage of your business to an investor in exchange for capital. Figuring how to finance your business is an important decision. Essentially you will have to decide  whether you want to pay back a loan or give shareholders a part of your company. Advantages of Debt compared to Equity: Lenders don't have a claim on a part of your business so the debt doesn't dilute your ownership of the company. Which means you will not have to share profits long-term. A lender is entitled only to repayment that you agreed upon plus interest rate. Principal and interest obligations are known amounts which can be predicted and planned for. Interest on the debt can be tux deductible, lowering an actual cost of the loan. Raising capital through debt financing is less complicates and time co...

When a company has to pay for something they have two options, to pay with cash or to finance the purchase. To finance the purchase means that they will get the money from other businesses and sources in return for obligation.  Basically debt financing is when a company  gets a loan and promises to repay the loan over time with interest. Debt refers to the amount of money that has to be repaid and financing refers to providing funds to be used in a business. Companies can use the money to finance short-term needs as well as long term business expenditures. Debt may take a form of a loan or the sale of bonds.   Another way to raise capital is through equity financing; the company raises money by selling ownership shares in a business.   If you compare it with equity finance the good feature of debt financing is that you don't lose ownership of the company. Debt financing is a time-bound activity , where principal must be paid back in full by maturity date alo...

As a small business owner you can turn your unpaid customer invoices into fast cash. How? The answer is invoice factoring. If your customers don't pay right away for good and services that you provide them you can make that invoices into fast cash. Instead of waiting 30, 60 or 90 days you can get a cash in advance. In other words you can use that "trapped" cash immediately for urgent business needs. What is Invoice Factoring? Invoice factoring is a way to to improve your cash flow and reduce bad debt by selling invoices to a third party company. With invoice factoring you sell your accounts receivable to a factoring company in order to gain quicker access to funds. You sell your invoices at a discount in exchange for a lump sum of money. The factoring company takes responsibility for collecting on  the invoices, using the receivable as a collateral. You could use the capital to pay your day-to-day business expenses or take an unexpected business opportunity. ...

Identification, analysis and either acceptance or mitigation of uncertainty in investment decision-making. Essentially, risk management occurs anytime an investor or fund manager analyzes and attempts to quantify the potential for losses in an investment and then takes the appropriate action (or inaction) given their investment objectives and risk tolerance. Inadequate risk management can result in severe consequences for companies as well as individuals. This is where we step in as a stakeholder. EMRY as part of its stakeholder duties and responsibilities sits on the Company board and oversees Corporate officers and day to day activities. Usually in a non-pivotal role we do in most cases hold veto power over the Company we are a stakeholder in.  Corporate officers are the people with day-to-day responsibility for running the corporation, such as the chief executive, chief financial officer and treasurer. A corporate officer is a high-level management official of a corpor...

LINE OF CREDIT Quick access to revolving line Credit lines up to $250,000 Only pay for what you use Funds replenish as you pay back No prepayment penalties INVOICE FACTORING Turn unpaid invoices into cash Credit lines up to $5 million Fund only the invoices you want Financing that grows with your business No long-term contracts Get peace of mind when you partner with Emry Capital Easy to get started - Emry Capital makes business funding quick and painless. Apply online and get approved in fast as 20 minutes. Flexible by design - Use your available credit line when you want, for any business need. Enjoy no long-term contracts or prepayment fees. Dedicated advisors - Our advisors are available to walk you through the process and help you obtain the funds you need. "When you run a business like ours, you need the extra cash for backup. I tried our bank and went through all the trouble just to be told we had to wait. Emry Capital has been a great partner to u...