Enables immediate funding for new loans.
Lower interest rates compared to other short-term options.
Facilitates the process of loan securitization.
Quick turnaround for generating and selling new loans.
Capitalize on the spread between the borrowing cost and the return on the asset.
Enhanced scrutiny on warehouse lines post-financial crisis.
Automated platforms for warehouse management.
Growing number of non-bank institutions offering warehouse lines.
FAQ
While Cirrus facilitates a broad diversity of financing products to most industries and business stages, we're not a great fit for every company. We're focused on US-based businesses who wish to raise greater than $1M in non-dilutive capital.
We find the most success working with companies with greater than $3M in annual revenue and/or $3M in assets such as accounts receivable, inventory or equipment. We frequently work with loss-making (cash burning) companies, but they should have 4-6+ months of cash runway and line of sight into future profitability.
If we're successful in matching your company with the right investor(s) and you decide to move forward towards a consummated transaction, Cirrus earns a small percentage of capital committed to your company, generally between 1-3%. We charge our fee after a successful fundraise takes place and funds are transferred to your business account.
Additionally, as needed, our team can help you ensure your company is in the best position possible to successfully raise capital. Our talented team can advise on and directly create materials such as financial models and presentation decks. We can also be instrumental in financial reconciliation and other FP&A functions so that your business is well organized as you approach investor conversations. These services are offered on an optional, as-needed basis at an agreed upon rate, no surprises!
We take the security and privacy of your sensitive business information very seriously at Cirrus. During every step of our process, we're reliant on technology and third-party solutions that must adhere to strict security standards such as ISO 27001 compliance, SOC 2 compliance and AES 256-bit encryption.
You can review our privacy policy and terms & conditions at any time and reach out to hello@cirruscap.com with any questions.