Welcome to American Prudential Capital
Get the funding and support you need to grow your business to the next level!
American Prudential Capital, Inc. exists to serve by enhancing value. We believe that small business is what has made the United States great and will continue to be the backbone of this country. We want to help small businesses finance growth and expansion while facilitating the company’s own business processes of complete, accurate invoicing and professional, timely collection of accounts receivable. American Prudential Capital is a privately-owned, service-oriented commercial finance company offering alternative funding. [Read More..]
The Industries We Serve
Delivering experience, knowledge and financial solutions in a variety of fields.
Need working capital?
You’re one step closer to getting your financing.
The Services We Provide
Providing numerous alternative funding solutions to growing clients
Acquisition funding is used for the purchase of a small business and sometimes for heavy equipment. This often calls for creative financing, since hard collateral may be lacking, and an alternative funding company like ourselves is often willing to work with a small business, to figure out a creative financing solution to make the deal work.
Sometimes companies simply lack the funds to be able to grow in response to increased customer demand, and are not generally considered good risks by traditional lenders, like banks and credit unions. Alternative funding companies like ourselves can be more flexible however, and with some kind of non-traditional collateral, growth funding can be provided to sound small businesses.
Invoice factoring is a type of alternative funding in which a small business sells its account receivable invoices at a discount to a factoring company like our own. The small business receives a cash amount, and the collection of the actual invoice amount then falls to the factor company. A small profit is made by the factor company because it charges a fee for its service, the small business receives immediate cash, and the customer is relatively unaffected, merely changing the company it pays to.
Invoice funding is somewhat different than invoice factoring in that the small business retains ownership of the invoices it has issued to its customers, rather than selling them to a factoring company. The small business still receives a cash advance against the value of those invoices from an alternative funding company, for an amount less than the total value of the invoices themselves. Then the amount of the cash advance is repaid within an agreed-upon time frame.
PO financing is a service often used by wholesalers who receive large purchase orders from clients, and it can allow those orders to be fulfilled when an alternative funding company provides the funds to pay the supplier. Once the end customer pays the invoice for the purchase order goods, that money is used to repay the financed purchase order. The wholesaler creates goodwill with clients and the alternative funding company earns a fee for the PO financing.
Brand-new companies often lack the funds, the credit history, and the collateral to qualify for traditional bank loans or loans from the Small Business Administration. Startups are not necessarily ruled out by alternative finance companies though, and if some form of non-traditional collateral can be established, even startups can be funded so they can begin operations.
Working Capital Funding
Working Capital Funding - Working capital funding can be arranged in several ways, one of which is by the invoice factoring method described above. Since working capital is critical for small business daily operations, this kind of financing often needs to be arranged quickly to avoid unnecessary financial stress on the company.
Ready for new financing?
Apply now and get the process started today.
What Makes Us Different
10-Reasons Companies Use Alternative Funding
Significantly increase the cash flow of your business
Earned cash is-available for qualified receivables in as little as 24-hours.
Use readily available cash to grow your business
Funds generated by alternative funding can be used for new equipment acquisitions, inventory purchases, marketing expenditures/ facility improvements, etc. that otherwise may not have been feasible when you needed them most.
The process is very efficient and reliable
Once approved, our clients trust American Prudential Capital for a userfriendly approach to doing business each and every month. Payments to our clients are dependable because we understand what a predictable stream of cash can mean to the life of any business.
Use what you need when you need it
There are NO required monthly minimums for alternative funding and no long-term obligations. We recognize that alternative funding should be a “bridge mechanism” to more traditional financing and that typically our services are a season in the life of most businesses. Our contract is month-to-month because we earn your business.
Find out what others say about working with us!
What do our clients say about American Prudential Capital?
“As a subcontractor in the Commercial Construction’ industry for nearly 12 years, I understand how difficult it can be to survive in a competitive market which is characterized by seasonal fluctuation and increasing demand for strong performance. My association with American Prudential Capital has been a lifesaver for my business. Not only have I received the financial assistance that I needed, but my good friends at APC have been there to help me make right decisions for our company. What I discovered by utilizing their service was that they truly care about their clients and want to help others succeed.’ The degree of integrity with which APC conducts its business is unsurpassed. I trust them completely and I would highly recommend their services to any organization.””
CEO of a Commercial Cleanup and Environmental Remediation Firm
“American Prudential has been funding us for over a year. They have been absolutely great to work with. Very simple process administered by a solid group of professionals. I have no reservations about referring this company to anyone.”
A Railroad Services Firm
“We have been associated with American Prudential Capital using their funding services for over 7-years. Their helpful and dedicated staff has been a great asset to our business. The funding services are a great help with our cash flow which enables us to receive payment for our services within 24-hours after delivery. This helps us to manage our material costs for new orders and meet the needs of our customers.”
A Welding & Fabrication Firm