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August 2022

ThermoCredit has partnered with The Funding University to bring you The Funding Strategies Conference,a free bi-monthly webinar series.

Opportunity Funding: Mergers & Acquisitions
Thursday, October 6, 2022
2:00 PM - 3:00PM ET

The Funding Strategies Conference is the place to gain insight about stress-free competitor buyouts from those in the know. Join our next roundtable discussion focusing on Opportunity Funding, Mergers, and Acquisitions and how to avoid costly mistakes. Our panel is made up of experienced professionals from banks, SBA lenders, and alternative lenders venture capital, including angel and private equity investors. This webinar will cover the latest trends, strategies, and financial obstacles in our ever-changing volatile financial marketplace.

The Funding Strategies Conference has planned a wide-ranging slate of free financial webinars covering business topics including smart loan options, interest rate volatility, working capital under stress, and leveraging debt vs equity. This series will provide a much-needed objective resource to business leaders with fiduciary responsibilities.


Please join us!

The Funding Strategies Conference: Opportunity Funding, Mergers and Acquisitions and What you Need to Know to Avoid Costly Mistakes

Thursday, October 6, 2022

2 PM – 3 PM EST

Zoom link provided a few days prior to the conference


Opportunity Funding and M&A Can Be Challenging

You’ve found the right acquisition or expansion partner for your company, but obtaining the capital to bring your companies together can be fraught with pitfalls. Your lender may require a board seat in the new organization, there might be issues with unencumbered assets, or the full financial package you need to proceed may not be available to you from your lender of choice. 


As credit markets have tightened, the funding landscape has changed, which means understanding the options available to your company is even more mission-critical than ever before. The Funding Strategies Conference brings together leaders from every segment of the financial industry to provide objective guidance and insight so you know what to ask your lending source. An educated borrower is a borrower who understands their objectives and can identify the risks to avoid. 


In the Opportunity Funding, Mergers and Acquisitions: What you Need to Know to Avoid Costly Mistakes webinar, our panel can help you learn how to find the right type of capital for your company. Our panelists will share what you need to know when seeking funding and funding trends for 2023 and beyond. 


This is a Free Livestreamed Event

Skip the airport and crowded expo halls, and interact with experts from the comfort of your favorite workspace. Learn about how to fund your company's growth plans and ask questions to gain insight from financial gurus.


The Opportunity Funding, Mergers and Acquisitions: What You Need to Know to Avoid Costly Mistakes livestream will be on October 6, 2022, from 2 PM to 3 PM EST. A simple registration will give you full access to the event, plus complimentary viewing access after the event via our sponsor’s websites.


Complimentary Full Access Registration

There is no charge to participate in the livestream thanks to the generous support of our sponsors; however, registration is required. Space is limited. Registration closes September 30, 2022

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Business Credit Rating Scores: What you Need to Know

Just as individuals accumulate a credit score as they make and pay for purchases, so do businesses. Business credit rating scores are important to understand because they impact your company’s ability to qualify for loans and other finance options. Business credit scores are determined by financial information related to your company:  finance data, number of employees and customers, debt, payment history, and more. Your business’s credit score is also on a different scale than a personal score, usually ranging instead from 1-100, with 100 being a perfect rating.

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Another important fact about business credit scores is how investors and lenders can check your business credit score freely to determine credit worthiness. A favorable business credit score will make it easier to secure financing and get a good interest rate.


Like a personal credit score, failure to monitor your company’s credit score regularly for inaccuracies can be costly. It can hamper your ability to borrow or even inhibit your planned growth.

Dividing your monthly spending by your credit limit each month is a simple and powerful tool to help determine your company’s credit utilization rate. In most cases your company’s credit utilization rate accounts for 30% of your business credit rating score, so it is important to know where your company stands before applying for business funding or loans. Interest rates on loans or the duration of your repayment timeline can be greatly impacted by your business credit rating.


Most businesses don’t have a perfect credit score. Sometimes financial needs are not predictable or emergencies arise, which can create issues with your debt to credit ratio, meaning your business is using more than 30% of its’ credit utilization rate. Many lenders have options to help meet the needs of your business, regardless of your credit score. Banks depend heavily on credit scores, whereas alternative lenders take a different approach.


Alternative funding groups consider all aspects of your company as a whole, not just your business credit score. Your business plan, assets, and growth strategy greatly contribute to the type of loan, interest rate, and amount of capital your company can qualify for. No two businesses are the same and not every solution is right for your business needs.


At ThermoCredit, we believe your business is more than just a credit rating. We look at the entire picture, considering assets, accounts receivables, inventory, and other important details of your company to identify your best funding options. We take the time to build a relationship with your management team so together we can craft a financial roadmap so your business goals can be achieved, no matter your business credit rating score.

Funding Focus - What is Factoring?



One solution is factoring. Factoring is the process by which a company sells outstanding invoices to a third party—a factor—for less than the amount owed.  A factor usually wants to buy invoices due within 90 days and from customers with good credit histories. Factors also charge a fee (usually ranging from 0.75 % to 5%) to the business issuing the invoices. The factor then collects the full amount of the invoice from the original customer.

However, if your company has good credit, a low debt-income ratio, and doesn’t need cash quickly, then a loan or line of credit may be a better option than factoring.


A business can also raise money by borrowing against unpaid invoices—known as invoice financing (or receivables funding)—instead of selling them. This practice allows a business to use the invoices as collateral for short-term loans. This way, a company is able to extend credit to larger customers, have enough cash flow to meet expenses, and retain ownership of outstanding invoices.

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At ThermoCredit, we’ll help you find financial solutions that best fit your business cash flow needs. We’ve been a funding growth partner for telecommunications and technology companies for over 20 years. As a lender, ThermoCredit offers a range of flexible financing choices for your business, including both factoring and invoice financing. Contact us today and we can discuss which financial solution best suits your business cash flow needs.

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