James capital brings the rarely accessible experience of an over 10 year veteran of business finance to the aid of small and medium sized business to help them locate and secure financing to help fuel business growth. We specialize in Leasing Services for software and equipment Vendors, Securing financing for general business, and providing secondary resources for banks and financial institutions.

Julius Talley, CPA, MBA.

A former big 3 accountant and Notre Dame MBA, Mr. Talley has been involved in commercial financing since 1994. He has assisted a variety of companies including Community Banks, and Danka Office Imaging to sustain business growth by obtaining cost effective financing at critical points in the corporate life cycle.

James Capital focuses on financing and educating clients to find the financial resources and help them to understand what the best resources are and what range of options are available.

Find the right financial solutions for your growth goals Contact Us today

Financing Resources James Capital Provides Include:

Asset-Based Loans

Asset-based financing is an umbrella term for loans that provide your company with cash advances tied to your company's assets, including accounts receivable, inventory, machinery, equipment or real estate. In some instances, financing through conventional sources may not be available. An Asset-based Loan allows a company more flexibility in getting the working capital it needs to take advantage of business opportunities or to restructure its current financial situation.

Accounts Receivable Financing

In this form of Asset-based financing, accounts receivable are pledged as collateral in exchange for cash under a revolving credit facility. If your company is facing a short-term need for capital, Accounts Receivable Financing can provide you with immediate funds.

Factoring

Factoring is an arrangement whereby you as the client contract to sell all your accounts receivable for an agreed period. We receive cash from each of your debtors as they settle their accounts. Factoring provides you with immediate cash advances up to 90% of the invoice amount, with the balance being paid to you when your customer pays us.

 
Purchase Order Financing

If you have a purchase order from a credit-worthy customer, but lack sufficient funds to pay for the goods prior to receiving payment from your customer, we can provide Purchase Order Financing. This form of financing pays the cost of your goods directly to your supplier, thus freeing up your cash reserves for other business needs.

Bridge Financing

Bridge Financing provides your company with working capital during transition periods, such as funding mergers and acquisitions, management buyouts and corporate debt refinancing or restructuring.

Equipment Financing

This financing enables your company to obtain financing or refinancing for up to five years based on your company's machinery and equipment. The term of the loan is based upon equipment, your company's cash flow and the useful life of the equipment.

Equipment Leasing

Equipment leasing is a quick and flexible method of acquiring equipment and software for business use. A lease will have an advance rental, periodic payments, terms from one to seven years and a buyout option at the end of the lease that will allow you to walk away from the equipment/software, renew the lease, purchase the equipment/software or trade it in for updated technology. Payment schedules can be graduated or timed to suit even the most unusual request, such as 90 day delayed payment start, seasonal payments, quarterly payments, etc. The most common term, however, is monthly payments. Use leasing to: avoid 10-20% down payments, conserve bank credit lines for working capital use, increase equipment purchasing budget, and get special tax benefits.

Syndication Program

James Capital will arrange between lenders that are willing to partner with other non-bank lenders and banks to accommodate larger credit facilities and provide blended-rate competitive pricing when appropriate.

Equity Capital

When an infusion of equity financing is an appropriate solution, James Capital assists companies by drawing on a variety of private equity sources. We can help in situations like entrepreneurial acquisitions or management buy-outs.