Prestige Commercial Capital - Business Funding Solutions

Stop choosing between debt, equity, or factoring. The smartest founders and CEOs in 2025 stack multiple layers of capital that work together like gears in a watch. At Prestige Commercial Capital, we’ve built hundreds of hybrid stacks that have taken companies from $1M → $100M+ in revenue with the lowest possible blended cost of capital. This final article shows you exactly how to design yours. Why Single-Source Funding Is Dead in 2025 One tool = one constraint (high cost, covenants, dilution, or speed) Stacking = each layer solves a different problem 2025 data (Inc. + Axial): Companies using 4+ tools grow 2.9× faster and have 38% lower blended cost than single-source peers The 7 Layers of a Modern Funding Stack Layer 1 – Daily Ops Tools: Line of Credit / Working Capital Loan / Business Cards Solves: Payroll, rent, marketing Typical size: $50K–$500K Layer 2 – Receivables Tools: Invoice Factoring → Advanced AR Factoring Solves: 1–90 day cash conversion Typical advance: 85...

Private equity minority recaps let profitable SMBs ($3M–$50M+ EBITDA) sell 20–49% of the business for $5M–$100M+ in cash — no board control loss , no personal guarantees , and you stay CEO . The fastest way in 2025 to take chips off the table while turbo-charging growth. At Prestige Commercial Capital, we partner with 40+ growth-equity and family-office funds that write $5M–$150M checks for minority stakes in founder-led companies. Keep running your business — just with a richer balance sheet . As part of our Unlocking Small Business Financing in 2025: Your Complete Roadmap series, this article shows exactly how minority PE works today. Table of Contents Why Minority PE Exploded in 2025 How Minority Private Equity Works Benefits vs. Majority Sale or Mezz Debt Strategic Uses for Founders Step-by-Step: Run a Minority Recap Process Common Pitfalls and How to Avoid Them How Prestige Commercial Capital Can Help About the Author Why Minority PE Exploded in 2025 Baby-boomer liqu...

Mezzanine financing — subordinated debt + equity warrant — gives mid-market SMBs $1M–$50M+ in flexible capital at 10–15% blended cost , no personal guarantee , and minimal dilution (5–15% warrants). Perfect for acquisitions, owner buyouts, or rapid scaling when senior debt maxes out. At Prestige Commercial Capital, we structure mezzanine with PIK toggles , 5–7 year terms , interest-only options , and exit via refinance or sale . Grow big — without giving up control . As part of our Unlocking Small Business Financing in 2025: Your Complete Roadmap series, this article shows how to access, structure, and deploy mezzanine capital in 2025. Table of Contents Why Mezzanine Matters in 2025 How Mezzanine Financing Works Benefits of Mezzanine for Mid-Market SMBs Strategic Uses for Growth & Exits Step-by-Step: Secure Mezzanine Capital Common Pitfalls and How to Avoid Them How Prestige Commercial Capital Can Help About the Author Why Mezzanine Matters in 2025 M&A ac...

Export & trade finance — LCs, export credit insurance, pre-shipment loans, and forfaiting — lets U.S. SMBs sell globally with 100% payment security , 0% FX risk , and up to 180-day terms — all without using your working capital . At Prestige Commercial Capital, we offer EXIM Bank-backed trade finance , AI-driven LC issuance , multi-currency hedging , and $50K–$50M+ facilities . Go global — without the risk . As part of our Unlocking Small Business Financing in 2025: Your Complete Roadmap series, this article shows how to fund, protect, and scale international sales in 2025. Table of Contents Why Export Finance Matters in 2025 How Trade Finance Works Benefits of Export Finance for U.S. SMBs Strategic Uses for Global Expansion Step-by-Step: Launch Export Finance Common Pitfalls and How to Avoid Them How Prestige Commercial Capital Can Help About the Author Why Export Finance Matters in 2025 U.S. exports hit $2.1T in 2024 (U.S. Census 2025), but only 1% of SMBs e...

Supply chain financing (SCF) — also called reverse factoring — lets you extend payment terms to 60–90 days while your suppliers get paid in 10 days or less , all funded by a third-party financier using your strong credit . No cost to you, 1–3% savings for suppliers, and zero cash flow drag . At Prestige Commercial Capital, we run AI-powered SCF platforms with 100+ ERP integrations , dynamic discounting , and $1M–$100M+ programs . Strengthen your supply chain — without touching working capital . As part of our Unlocking Small Business Financing in 2025: Your Complete Roadmap series, this article shows how to launch, scale, and optimize SCF in 2025. Table of Contents Why Supply Chain Financing Matters in 2025 How SCF Works Benefits of SCF for Buyers & Suppliers Strategic Uses for SMBs & Mid-Market Step-by-Step: Launch an SCF Program Common Pitfalls and How to Avoid Them How Prestige Commercial Capital Can Help About the Author Why Supply Chain Financing Matters in ...

You’ve mastered the basics in Step 5: Invoice Factoring Explained: Turning Receivables into Immediate Capital . Now scale factoring like a pro: 95%+ advances , non-recourse across all clients , real-time API sync , and multi-client dashboards — all without touching collections. At Prestige Commercial Capital, we power $100M+ in factored volume with NetSuite/QuickBooks/Xero APIs , AI credit scoring , and 0% recourse risk . This is factoring for growth-stage B2B . As part of our Unlocking Small Business Financing in 2025: Your Complete Roadmap series, this article shows how to set up, scale, and optimize enterprise-level AR factoring in 2025. Table of Contents Why Advanced Factoring Matters in 2025 How Pro-Level Factoring Works Benefits of Scaling with Non-Recourse & Automation Strategic Uses for $1M+ Invoice Businesses Step-by-Step: Set Up Enterprise Factoring Pitfalls at Scale & How to Avoid Them How Prestige Commercial Capital Can Help About the Author Why ...

Working capital loans — fast, flexible term loans for payroll, rent, inventory, marketing, or emergencies — are the lifeline of SMB cash flow in 2025. With no collateral required , $10K–$500K , and same-day to 5-day funding , they bridge gaps between revenue and expenses — without tying up assets . At Prestige Commercial Capital, we offer AI-approved working capital loans with no hard collateral , fixed monthly payments , and auto-rollover options . Keep your business running — even during slow seasons. As part of our Unlocking Small Business Financing in 2025: Your Complete Roadmap series, this article shows how to secure, deploy, and manage working capital loans in 2025. Table of Contents Why Working Capital Loans Matter in 2025 How Working Capital Loans Work Benefits of Working Capital Loans Strategic Uses for SMB Growth Step-by-Step Guide to Securing & Managing Working Capital Loans Common Pitfalls and How to Avoid Them How Prestige Commercial Capital Can Help ...