Business Challenges

At California Bank & Trust, we recognize that business challenges sometimes create non-traditional banking needs. In these situations, a more aggressive source of working capital financing may be the answer but also may be difficult to find. We look at the following challenges as opportunities to explore creative funding solutions for our customers and prospects:

  • Newly formed, early stage
  • High-growth
  • Seasonality
  • Acquisitions
  • New large orders
  • Owners with limited net worth and/or damaged credit
  • High debt or inadequate company net worth
  • Highly-leveraged
  • Leveraged or management buyouts
  • Turnaround or restructure
  • Unhappy with existing factoring or asset based lending relationship
  • Payroll tax issues or liens
  • Bankruptcy (DIP)
  • Non-compliance with required loan covenants
  • Inadequate existing revolving loan facility
  • Loan facilities anticipating decline
  • Concentration
  • Inadequate advance rate