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Business Banking      Lending      Business Lines of Credit

Business Lines
of Credit

Tap into your credit when the need arises — quickly and conveniently.

Working Capital Line of Credit

Delivering credit for maximum financial flexibility, a Commercial Lines of Credit meets your short-term financing needs like cash-flow management fluctuation and unexpected business expenses.

Asset-Based LOC

Asset-Based Lending uses formula-based advances backed by tangible collateral to create an asset-based loan designed to meet your specific needs. Revolving Lines of Credit secured by accounts receivable and inventory can help in the following scenarios:

  • Cash support for companies that are growing rapidly - either organically or through acquisition
  • Suffered a temporary downturn 
  • Seasonal borrowing needs

By taking the time to understand your cash conversion cycle, we can customize a borrowing solution that fits your unique needs.  In addition to revolving debt, Cogent can help finance equipment needs necessary for growth or replacement of existing machinery and equipment.

Examples of the industries we serve:

  • Manufacturing
  • Distribution
  • Wholesalers
  • Staffing
  • Business Services
  • Transportation (including trucking and marine)
  • Energy
  • Government Contractors
  • Importers
Recurring Revenue Lending

We offer working capital solutions for businesses that operate within the scope of annual service contracts.  Traditional asset-based lending relies on a borrower’s ability to deliver goods or services, then invoicing customers in arrears.  With recurring revenue lending, we apply the same formula, but it is based upon the recurring revenue created by the contractual relationship with your clients.

Examples of the industries we serve:

  • Software as a Service (SaaS)
  • Commercial Landscaping
  • Fire Suppression Maintenance
  • Alarm Monitoring
  • Commercial Cleaning and Janitorial
  • Commercial Pest Control
  • Digital Media and Advertising
  • Streaming Services
Purchase Order

Clients can find themselves with a unique opportunity that requires funding to source goods directly from a supplier for a key customer.  Utilizing the experience of Cogent’s Specialty Lending team and their technological edge, we are able to offer purchase order financing as a compliment to a revolving line of credit.  Purchase order financing allows us to direct funds to your supplier, thus enhancing both supply chain turnover and your liquidity.

  • Competitive rates for a wide range of long-term or seasonal business needs:
    • Seasonal fluctuations
    • Inventory
    • Capitalize on trade discounts
    • Working capital
    • Ongoing updates
  • Provides greater financial flexibility
  • Repayment customized based on your business's unique needs
  • Flexible repayment terms
Advised Guidance Facility

We provide financing for all types of assets such as real estate, equipment, and other fixed assets.  Sometimes it takes time to find the right asset to purchase.  In those cases, an Advised Guidance Facility might be an excellent choice for you.  With an Advised Guidance Facility, you are issued a pre-approved, non-revolving line of credit to make sure you have the money you need, when you need it.

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