How to Use Your Receivables as Collateral for Growth

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How to Use Your Receivables as Collateral for Growth

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Small business owners often think of unpaid invoices as a liability. But in this episode, Lucas and Luna explore a powerful alternative: using your receivables as collateral to secure a revolving credit line that grows as your sales grow. They break down how a receivables-backed line of credit works, the difference from factoring, the typical costs (LIBOR plus 2 to 5 percent, now keyed to SOFR plus a spread), and a concrete example: a $2 million annual revenue business with $300,000 in average receivables can unlock a $225,000 credit line. They also discuss the key metrics lenders care about — your dilution rate, concentration risk, and aging — and why this form of financing is gaining traction among banks and fintech lenders. If you've ever felt like your slow-paying customers are strangling your growth, this episode offers a practical path to turn that friction into fuel. #ReceivablesFinancing #AssetBasedLending #WorkingCapital #SmallBusinessFinance #InvoiceCollateral #CreditLine #CashFlow #BusinessGrowth #LendingMetrics #DilutionRate #ConcentrationRisk #SOFR #BorrowingBase #CollateralManagement #Business #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo

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