Helping Cash strapped Entrepreneurs Succeed, Without Sacrificing Financial Health

Small- to medium-sized enterprises who are starting out (including small businesses, social enterprises and smaller non-profits) often experience cash flow struggles. With small operating budgets, little working capital and limited access to lines of credit from banks, they have fewer resources than their larger counterparts to manage these challenges.

Traditional Approach

Smaller companies often can’t get working capital or lines of credit from the banks, forcing them to manage as best they can on a day-by-day basis using grants, start-up loans and revenue without a long-term financial management plan.

Impact Lab Approach

Use specialized invoice factoring to improve cash flow management to facilitate day-to-day management and enable longer-term financial planning. Tap into efficiencies in the Impact Lab partner group to fund loans to provide working capital that helps them manage more effectively and improves their chances of success.

How Do We Make An Impact?

Reduce the % of receivables in delinquency

Success Meter

% decrease in average days delinquent

Increase the amount of cash available

Success Meter

% increase in cash available

Accelerate revenue growth

Success Meter

% change in gross revenue

Reduce traditional debt financing needed

Success Meter

% change in overall deb-based liabilities

Increase capital available for asset purchases

Success Meter

% change in total assets

Eligibility Requirements

The most basic requirements for applicants are:

Uses an invoice to solicit payment, ie. no cash-based point of sale
The applicant's customers are businesses, although we've made exceptions if wecan verify credit of the consumer customer
Have been in business (with revenue) 3months minimum
Are located in U.S. or Canada

Do you feel you could benefit from this program?

If so, we’d like to hear from you.

Simply provide us with your name and contact information, and we’ll be in touch to discuss how you can get involved. Your information will be kept confidential and will only be used to contact you about this program.

Program Partners

We are working with these partners to find innovative solutions and start making an impact for credit challenged individuals. Click the link below to learn more about them and how they are working to help make a difference.