Our practices
An equipment purchase. A new facility. An acquisition. Understand the financing paths that fit your business and the decisions ahead.
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The right financing depends on the use of funds, cash flow, assets, timing, and existing obligations. We assess those factors before deciding which financing routes merit a closer look.
01 / Financing route
Financing for machinery, production lines, vehicles, and other operating equipment. The useful life of the asset, installation costs, and ownership goals help shape the choice between a loan and a lease.
Situations to discuss: Adding production capacity, replacing equipment, or investing in automation.
02 / Financing route
Funding the gap between paying for materials, payroll, or delivery and collecting from customers. The operating cycle helps determine whether a revolving facility or another structure fits the need.
Situations to discuss: Seasonal demand, larger orders, or longer customer payment cycles.
03 / Financing route
A borrowing facility supported by eligible business assets, often receivables and inventory. Availability typically depends on a monitored borrowing base, with reporting and collateral requirements.
Situations to discuss: Businesses with substantial receivables or inventory and changing working-capital needs.
04 / Financing route
Term financing secured against identifiable assets such as machinery, equipment, or property. Here, asset-backed refers to commercial secured lending; the focus is collateral value, existing liens, and the repayment plan.
Situations to discuss: A defined capital requirement supported by assets already owned or being acquired.
05 / Financing route
Financing for owner-occupied facilities, commercial property acquisitions, improvements, and qualifying construction or bridge needs. Occupancy, property economics, project stage, and the intended use guide the assessment.
Situations to discuss: Opening a new facility, buying an existing location, or expanding the operating footprint.
06 / Financing route
Debt options for acquiring a business or funding a defined growth project. We consider operating cash flow, the transaction structure, integration needs, and the working capital required after completion.
Situations to discuss: A business purchase, a new location, or a planned capacity expansion.
07 / Financing route
For eligible U.S. businesses, SBA 7(a) financing can support several uses, including acquisitions, equipment, and working capital. The 504 program focuses on qualifying fixed assets, such as real estate and long-term machinery, rather than general working capital.
Situations to discuss: Eligible business acquisitions or investments in operating facilities and equipment.
08 / Financing route
An assessment of existing facilities, upcoming maturities, collateral commitments, and repayment obligations. Bank and non-bank lending routes may be relevant, depending on the business and the reason for refinancing.
Situations to discuss: A maturity approaching, a facility no longer suited to the business, or a changed capital need.
Financing categories can overlap. Availability, structure, and suitability depend on the specific business, collateral, lender criteria, and applicable requirements. Funding is subject to underwriting and approval.
Program information: SBA 7(a) · SBA 504. Lending reference: OCC on asset-based lending.
Our approach
A productive financing conversation starts with a clear purpose, a credible repayment story, and a lender whose criteria fit the situation.
Clarify the use of funds, timing, operating performance, current facilities, and what the business needs the financing to accomplish.
Review the assets, cash flow, and obligations that inform lender fit. Identify the information gaps and questions that need resolving before an approach.
Define a focused lender map and a coherent business case. Any lender approach follows the applicable eligibility, registration, and engagement checks.
Where a financing engagement proceeds, assess repayment, security, covenants, reporting obligations, and flexibility alongside cost. The lender makes its own underwriting and approval decision.
Our AI engine brings together lending activity, lender deployment data, and the intelligence we gain through direct conversations. Alongside our lender relationships, that gives us a working view of what is getting funded and where there is appetite.
01 / Lending activity
We track available lending data to understand which areas of finance, sectors, and markets are seeing activity. Those patterns help us focus the search for relevant financing routes.
02 / Capital deployment
We build a picture of what different lenders are deploying capital into: the businesses, assets, projects, and financing structures attracting their attention.
03 / Direct lender conversations
Ongoing conversations add context that data alone can miss. We record what lenders are looking to fund, where their priorities are changing, and what makes a situation relevant to them.
We bring that market view together with your funding purpose, operating profile, and timing to identify relevant lender conversations. Historical activity guides the assessment; current appetite and fit are confirmed for the specific request.
Explore our approach to market intelligenceNo. Commercial finance is a separate practice. You can come to Parkmont with a financing need alone, or discuss it as your business grows through our revenue work.
It adds commercial context, but lenders still assess repayment capacity, financial performance, collateral, and the particular financing request. A pipeline is not the same as contracted revenue or cash in the bank.
The purpose of the capital, your approximate requirement, timing, and a high-level picture of the business. We establish the appropriate process before requesting sensitive financial material.
Our revenue advisory practice helps established B2B companies build a repeatable way to generate demand beyond referrals, trade shows, and their existing network.
Explore revenue advisoryCommercial finance
We will start with the business need
and the financing questions behind it.