Subordinated and Unsecured Debt
Flexible Financing Without Collateral Constraints
No Collateral? No Problem. Flexible Financing is Here
Growth Capital Without Asset PledgesExpanding your business shouldn’t mean locking up valuable assets. Our Subordinated Capital Solutions and Unsecured Debt solutions provide the capital you need without requiring collateral, giving you the financial flexibility to scale, acquire, or refinance. With structured repayment terms and competitive interest rates, you can focus on growth while keeping your assets free for future opportunities.
Our Subordinated Capital Solutions and Unsecured Debt Options
For businesses seeking non-collateralized funding, our Subordinated and Unsecured Debt solutions offer structured repayment terms that align with your business strategy. Whether you're refinancing debt obligations, funding acquisitions, or managing long-term liabilities, our financing solutions provide fast capital access while allowing you to maintain ownership control and prioritize loan repayments based on your financial goals.
What It Is
Explore the Benefits of Unsecured Debt and Subordinated Capital Solutions
This financing solution gives businesses capital access without the limitations of asset-backed capital solutions.
No Collateral Requirements
Unlike secured capital solutions, subordinated and unsecured debt options don’t require businesses to pledge physical assets, making them ideal for companies that prefer to retain asset flexibility.
Flexible Loan Structures
With adjustable repayment terms and negotiated interest rates, these capital solutions allow businesses to maintain financial agility.
Growth Capital Without Restrictions
Use funds for acquisitions, expansion, refinancing, or operational investments—with fewer restrictions on fund usage.
Who They’re Best For
Subordinated & Unsecured Debt is designed for businesses that need capital without asset-backed restrictions. This financing works well for high-growth companies, firms undergoing restructuring, and organizations seeking working capital without pledging collateral. If your company requires flexible loan terms, strategic expansion capital, or debt consolidation, these financing options provide a tailored solution to keep your business moving forward.
Who Benefits Most?
- Companies needing working capital without collateral.
- Businesses in rapid growth phases.
- Firms looking for flexible financing structures.
- Organizations seeking acquisition or expansion capital.
Why Choose Our Subordinated & Unsecured Debt?
Our expertise and commitment set us apart
Expert Structuring
We specialize in custom loan solutions tailored to your company’s balance sheet and financial needs.
Fast Capital Access
We accelerate the credit approval process so your business can secure funding quickly.
Flexible Repayment Plans
We structure adjustable repayment that help you prioritize loan repayments and maintain cash flow stability.
Key Features of Our Subordinated & Unsecured Debt
Accessible and Innovative Financing
Invoice Factoring provides businesses with fast cash by converting unpaid invoices into immediate working capital. Instead of waiting 30+ days for customer payments, businesses can factor invoices and get paid within 24–48 hours, improving cash flow without taking on debt.
Loan amounts up to $25 million
Secure large-scale funding without restrictive collateral requirements.
Custom repayment structures
We offer flexible repayment terms based on your company’s financial goals.
No collateral required
Businesses can access capital without pledging assets or equity.
Fast approval process
Get quick access to capital without lengthy delays.
The Loan Application Process
Fast-Track Your Financing with Our Efficient Process
Our structured debt application process is designed for speed, clarity, and strategy—giving your business access to tailored funding without the usual red tape.
Start with a Strategic Consultation
We evaluate your capital needs and align on your financing objectives.
Submit Key Financials
Share your financial records, liabilities, and credit history for review.
Structuring the Deal
Our team designs a loan structure that fits your business’s growth strategy and risk profile.
Final Credit Decision
We complete underwriting and present final terms for approval.
Receive Your Funds
Once approved, funds are disbursed quickly so you can take action without delay.
Required Documents Checklist
To get started with your invoice factoring application, please have the following documents ready:
- Business tax returns
- Personal tax returns
- Business financial statements
- Debt schedule
- Loan amount and repayment
terms documentation
Your Invoice Growth is Our Priority
At First Turn Capital in Oklahoma, we treat your invoice factoring needs with the same focus we apply to our own business. Our experienced team provides personalized support throughout every stage of the factoring process. We deliver invoice factoring solutions that convert your outstanding invoices into immediate working capital, helping you improve cash flow and stay competitive in today's market.
Get Paid Without the Wait
Stop letting unpaid invoices slow you down. Turn your receivables into working capital with First Turn Capital’s invoice factoring solutions.
Secure Your Invoice Factoring Today!How does invoice factoring differ from a loan?
Invoice factoring is not a loan—it’s a cash advance based on money you’ve already earned. Instead of waiting for customers to pay their invoices, you receive immediate business funding without adding debt to your balance sheet. Unlike asset-based lending, which uses equipment or inventory as collateral, invoice factoring relies on your outstanding invoices to generate working capital.
What types of businesses benefit most from invoice factoring?
Businesses that operate on net terms and invoice their customers for products or services can benefit the most from accounts receivable factoring. Industries such as manufacturing, trucking, staffing, and wholesale distribution frequently use this financing method. Small business owners who experience slow cash flow due to delayed customer payments also turn to factoring to maintain smooth operations.
How quickly can I access funds?
Once approved, funds are typically available within 24–48 hours. The faster you submit invoices, the faster you receive cash. Invoice factoring companies specialize in providing quick access to working capital, making it an ideal solution for businesses that need to cover payroll, restock inventory, or take on new opportunities without waiting for customer payments.
Will my customers know I’m using factoring?
Yes, but the process is handled professionally. As your factoring company, we communicate with your customers in a way that maintains strong business relationships. Many businesses, including large corporations, use accounts receivable financing as a standard practice, so it does not negatively impact your reputation.
How much of my invoice value will I receive upfront?
We advance up to 90% of your invoice amount upfront, with the remaining balance paid after your customer completes payment, minus a small invoice factoring cost. The exact percentage depends on your industry, customer creditworthiness, and the factoring agreement you choose.
Does my business or credit score matter?
No—approval is based on your customers’ creditworthiness rather than your own. Even businesses with limited credit history or those that don’t qualify for traditional capital solutions can use invoice financing. If your business has strong customer relationships and reliable invoice payments, you can qualify for factoring regardless of your credit score.
Can I factor all of my invoices or just a few?
You have complete flexibility with selective accounts receivables finance. This means you can choose to factor only certain invoices while keeping others on standard payment terms. Unlike some financing options that require a blanket commitment, invoice factoring allows you to customize your approach based on your cash flow needs.
What happens if my customer doesn’t pay?
If a customer fails to pay an invoice, the outcome depends on the type of factoring agreement in place. With non-recourse factoring invoices, the factoring company assumes the risk if the customer becomes insolvent. With recourse factoring, you may need to buy back the unpaid invoice. We help you determine which structure works best for your business, minimizing risks while maximizing cash flow.
Is Your Business Ready for a Sale or Strategic Exit?
Why This 60 Second Form Is Worth Your Time
It’s the first step in exploring a potential M&A transaction with First Turn Capital.
- Uncover What’s Driving Your Valuation
- Spot Operational Gaps That Could Kill a Deal
- See If You’re Caught in the Owner’s Trap
- Understand What Buyers Are Really Looking For
Once you complete the form, a member of our senior M&A team will review it and follow up with a confidential, no-pressure call. We’ll walk through your responses, discuss timing, and share what today’s buyers are paying for, along with what they’re avoiding. Whether you're planning for the future or already entertaining offers, this is a smart place to start.
Stay Ahead with Insights Built for Business Owners
Start the Conversation With First Turn Capital
Thinking about a sale? Exploring growth capital? Planning for something in between? It starts with this form.
Give us 60 seconds, and we’ll help you make your next move with confidence.
Join hundreds of owners and executives who receive our monthly updates. We share practical insights on deal activity, valuation trends, and the strategies successful companies use to plan for a sale or partnership. It’s clear, focused content from advisors who understand both sides of the table.