We specialize in offering revolving credit facilities to established businesses across various industries including real estate, energy, transportation, healthcare, media and communications, technology, and more.
Here's how a revolving credit facility differs from a term credit facility:
1. Revolving Credit Facility:
- The outstanding loan amount can fluctuate daily based on the borrower's needs.
- Borrowers can borrow, repay, and reborrow funds throughout the life of the facility.
- Typically secured by current assets like receivables and inventory.
- Ideal for financing working capital needs and short-term cash flow management.
2. Term Credit Facility:
- The outstanding loan amount is fixed for a specific period, such as a month or a year.
- Generally has a predetermined payment schedule.
- Amounts repaid on a term loan cannot be reborrowed.
- Typically secured by fixed assets like property and equipment.
- Suitable for financing longer-term projects, capital investments, and acquisitions.
Both types of facilities offer advantages depending on the company's financial strategy and needs. Revolving credit facilities provide flexibility for ongoing operational needs and fluctuations in cash flow, while term credit facilities are structured for specific, longer-term financing requirements.
We focus on serving companies seeking financing amounts ranging from$700,000 to $800,000,000. To discuss how Ocean Pacific Capital can tailor a revolving credit facility of term credit facility to meet your business's capital needs, please contact us at 1-800-595-1474. Our team is ready to provide personalized financial solutions to support your business's growth and stability.
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