CASH-FLOW SOLUTIONS

When it comes to invoicing, you’ve tried net 30, net 60, and “Please just pay us already, ok?”

With Alpine Ridge Funding, your business gets paid within 24 hours.

Alpine Ridge Funding enables middle-market and small businesses to lock in lightning-fast payment on their receivables regardless of their credit history or profitability.

When your business has an Alpine Ridge Funding facility, we purchase receivables from you and pay you on your invoices up front. And we provide receivables logistics that completely professionalize your credit, billing, receivables management, and collections functions, all at no additional cost.

In comparison, based on how effective your current receivables management is and how much you currently spend on it, the Alpine Ridge combination of immediate payment on invoices and ongoing receivables logistics might easily pay for itself.

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Fast process
from application
to first funding

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There is no cost to apply to see whether Alpine Ridge receivables financing is a fit for your business

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No hidden
fees, ever

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No restrictive
covenants

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Advance rates up
to 97.5%

  • Alpine Ridge Funding enables middle-market and small businesses to lock in lightning-fast payment on their receivables regardless of their credit history or profitability.

    When your business has an Alpine Ridge Funding facility, we purchase receivables from you and pay you on your invoices up front. And we provide receivables logistics that completely professionalize your credit, billing, receivables management, and collections functions, all at no additional cost.

    In comparison, based on how effective your current receivables management is and how much you currently spend on it, the Alpine Ridge combination of immediate payment on invoices and ongoing receivables logistics might easily pay for itself.

    icon

    Fast process
    from application
    to first funding

    icon

    There is no cost to apply to see whether Alpine Ridge receivables financing is a fit for your business

    icon

    No hidden
    fees, ever

    icon

    No restrictive
    covenants

    icon

    Advance rates up
    to 97.5%

    How It All Works

    If your business doesn’t qualify for credit, it doesn’t matter. Receivables financing from Alpine Ridge is not a loan and does not increase your business’s debt. Instead, it is simply a way for you to get paid on your invoices much faster and more reliably.

    How does that happen? With receivables financing, also called “invoice factoring,” instead of invoicing your customers and then waiting weeks or months for them to pay, we purchase receivables from you, and you send us your customer invoices as you generate them. We pay you almost the entire amount of each invoice (up to 97.5%) immediately, literally the same day or next business day. Your customers will then send their bill payments to us (because we handle that end of things), and after they’ve paid, we pay you the rest of the total invoice amount minus our fee.

    Result: Your cash flow becomes super-accelerated, much more smooth and predictable, and you can begin planning and running your business based on virtually no lag time between invoicing and receiving cash.

    icon

    Fast process
    from application
    to first funding

    icon

    No hidden
    fees, ever

    icon

    There is no cost to apply to see whether Alpine Ridge receivables financing is a fit for your business

    icon

    No hidden
    fees, ever

    icon

    No restrictive
    covenants

    icon

    Advance rates up
    to 97.5%

  • Businesses We Fund

    • Small and lower-middle-market businesses with B-to-B receivables
    • Most industries including staffing, hospitality, entertainment, other services, manufacturing, wholesaling, distribution, energy, transportation, government contracting, and others
    • Turnarounds
    • Weak credit or lack of physical assets is acceptable
    • Businesses that have bank financing but need additional liquidity
    • Businesses that don’t qualify for traditional bank or ABL financing
    • Startups and established businesses
    • Weak balance sheet is acceptable
    • Significant customer concentration is acceptable
  • Solutions We Provide

    • Receivables financing with fast application, approval, and set-up
    • A/R facilities from $50,000 to $30 million+
    • Advance rates up to 97.5%
    • Terms starting at one year
    • Other facilities available in certain cases include inventory-based loans, ledgered lines of credit, off-balance-sheet financing, structured over-advances, and term loans. Some facilities provided by our affiliated company, Mountain Ridge Capital.

    Reasons for Using Alpine Ridge Funding

    • Support payroll
    • Investment in new equipment
    • Purchase of materials and supplies
    • Advertising
    • Distribution costs
    • Training costs
    • Fleet costs
    • Support rapid growth
    • Cover seasonal needs
    • Update back-office or CRM technology
    • Fund any kind of project
    • Any other aim requiring better cash flow
  • More benefits

    What it all costs

    THE Question to ask

    More benefits

    There are many benefits provided by Alpine Ridge receivables financing. Not only does your business get paid immediately on invoices—you also will benefit from the receivables logistics that is part of our service and that includes most of the functions of a credit department, billing department, receivables management department, and (when needed) collections department, all at no extra cost to you.

    This means you may be able to free up your in-house people to do other things besides wrestling with receivables—things like helping your business grow its top line while we make our contribution to your bottom line.

    What it all costs

    Receivables financing isn’t free, of course (although in many cases the results can pay for themselves). We charge a prearranged fee that compensates us for paying you up front on your receivables and for the receivables logistics that provide you with credit, billing, receivables management, and collections functions.

    This fee varies among our clients based on the sizes of their receivables facilities, the kind of business they are in, the financial strength of their customers, and other factors, and we simply hold back the fee in our final payment to you on each invoice.

    The question to ask

    For you as a business owner or manager, is the speed of getting paid, the reduction in customer payment risk, and the credit, billing, receivables management, and collections service worth the fee that we ultimately hold back?

    Many thousands of businesses that already use receivables financing would answer “Yes!” to that question. All you need to do is contact us at Alpine Ridge Funding, and we can quickly take you through the specific numbers for your business that will enable you to answer that question as well.

  • Who are these guys?

    Alpine Ridge Funding is affiliated with Mountain Ridge Capital, one of the country’s most innovative providers of highly customized asset-based loans for middle-market businesses. The combination of Alpine Ridge for receivables financing and Mountain Ridge for ABL financing means we offer reliable, customized, and highly flexible working capital solutions at many points in a business’s lifecycle.

    The Alpine Ridge leadership team has broad and deep experience in receivables financing and a reputation for strong customer support and earning long-term trust.

    Alpine Ridge Funding is not owned by a bank or other big, slow institution. We are fast and flexible—and you can easily reach our leadership team (the real decision makers!).

    Alpine Ridge leadership team

    The Alpine Ridge leadership team has broad and deep experience in receivables financing and a reputation for strong customer support and earning long-term trust.

    Alpine Ridge Funding is not owned by a bank or other big, slow institution. We are fast and flexible—and you can easily reach our leadership team (the real decision makers!).

    Alpine Ridge leadership team
  • Q&A

    My company has an active and successful accounts receivable/collections department already. Does using Alpine Ridge mean their efforts must stop?

    Absolutely not! If your business has established receivables and collections processes that work well, we would never want to stand in their way. We are here to help improve your company’s receivables process, and we can work in tandem with your staff. That’s one reason Alpine Ridge never promotes cookie-cutter funding arrangements to our clients—we think your arrangement with us should be custom designed to make use of your company’s strengths and to help solve your company’s challenges.

    Q&A

    My company has an active and successful accounts receivable/
    collections department already. Does using Alpine Ridge mean their efforts must stop?

    Absolutely not! If your business has established receivables and collections processes that work well, we would never want to stand in their way. We are here to help improve your company’s receivables process, and we can work in tandem with your staff. That’s one reason Alpine Ridge never promotes cookie-cutter funding arrangements to our clients—we think your arrangement with us should be custom designed to make use of your company’s strengths and to help solve your company’s challenges.