Strategic Corporate Services

Working Capital Loans

Working capital loans address short-term operational expenses that arise before incoming revenue is received. Businesses often use this type of financing to cover payroll, rent, inventory purchases, or other recurring costs during slower revenue periods or growth phases.



Companies in Saratoga Springs rely on working capital funding to maintain continuity when cash flow fluctuates. Strategic Corporate Services helps structure these loans so repayment schedules correspond with anticipated income streams.

Commercial Lending Services

Commercial lending provides structured financing for large-scale business needs such as expansion, acquisitions, or capital investments. These loans are typically tailored to the financial profile of the company and the intended use of funds, allowing businesses to secure significant capital for long-term initiatives.

Strategic Corporate Services assists Saratoga Springs businesses in identifying commercial loan options that align with projected revenue, operational plans, and repayment capacity. This guidance helps ensure that financing supports growth without creating unnecessary financial strain.

SBA Loans

SBA Loans are bank and commercial loans provided to new and existing small businesses that are backed by the United States Small Business Administration. The purpose of SBA lending is to provide financing for small companies that haven’t been able to secure traditional bank financing.

The bank or SBA lender provides enhanced financing to the small business, while the government agrees to shoulder the great majority of the lenders’ losses should the small business default on the loan.

Asset Based Lending

Asset based lending allows companies to obtain financing secured by receivables, inventory, equipment, or real estate. Borrowing capacity is determined primarily by the value of these assets rather than solely by credit history.



Businesses with substantial assets but limited liquidity often use this approach to unlock capital tied up in operations. Strategic Corporate Services helps Saratoga Springs organizations evaluate collateral options and establish lending facilities that support both stability and growth.

Equipment Lending

Equipment financing enables businesses to acquire machinery, vehicles, technology, or specialized tools without paying the full cost upfront. The equipment itself typically serves as collateral, allowing companies to preserve working capital while upgrading operational capabilities.



Strategic Corporate Services assists Saratoga Springs businesses in structuring equipment loans aligned with asset lifespan and projected productivity gains. This financing supports modernization, efficiency improvements, and capacity expansion.

Business Lines of Credit

A business line of credit provides flexible access to funds that can be drawn as needed and repaid repeatedly within an approved limit. Unlike fixed loans, this revolving structure supports ongoing cash flow management rather than one-time expenses.

Organizations in Saratoga Springs frequently use lines of credit to handle unexpected costs, seasonal fluctuations, or short-term opportunities. Strategic Corporate Services works with clients to secure credit facilities that match operational needs and financial capacity.

Invoice Factoring

Invoice factoring converts unpaid customer invoices into immediate cash, improving liquidity without requiring traditional borrowing. Businesses that operate on extended payment terms often use factoring to stabilize cash flow while waiting for receivables to be paid.

Strategic Corporate Services helps companies evaluate factoring arrangements based on customer credit quality and transaction volume. This approach allows businesses in Saratoga Springs to continue operating and growing without delays caused by slow-paying clients.