We’ve created financial products exclusively for small business
SAP Ariba suppliers.

The Apparent Financing lending ecosystem works with you to craft financial solutions specific to your business needs.

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We’ve got an answer for (almost) everything

We'll help ensure you have the cash you need so that you can focus on doing what you do best, serving your customers!

  • Manage Cash Flow Shortages

    Unexpected things happen, we are here when you need cash fast

  • Purchase Additional Inventory

    Handle seasonality and new customers by buying more inventory

  • Purchase Equipment

    Invest in equipment and infrastructure to continuously grow your business

  • Hire Staff

    During periods of growth, add more resources to deal with new business

  • Offer New Products/Services

    Leverage capital to take advantage of new business opportunities

  • Launch Marketing Campaigns

    It shouldn't be a secret that your company is great, tell the world

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  • Invoice Financing

    You've alredy done the work and your customer is happy, why not get access to money that's owed to you sooner.

    • Line Amount

      Up to $10,000,000

    • Rates

      0.5-2% for every 30-day advance on your invoices

    • Advantages

      Decision is made on the credit worthiness of your customers and not yours and the more work you do on Ariba, the lower your rates.

    • Considerations

      Funds are not available immediately at first as there is an initial set-up period.

    • Apply for Invoice Financing!
  • Line of Credit

    Imagine this as your financial safety net, with money sitting in your account for you to draw whenever needed with no fees to hold. It's flexible in nature to be used for any business reason.

    • Line Amount

      Up to $300,000

    • APR

      5.99-24.99%
      May include a small draw fee

    • Advantages

      Flexible to use and only get charged interest on the amount you use.

    • Considerations

      Shows up as debt on your balance sheet and you need to manage the utilization appropriately.

    Apply for a Line of Credit!
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  • Vendor Line of Credit

    Allow yourself to pay your vendors on your own schedule. This solution allows lenders to pay your vendors on your behalf, allowing you to extend your payment terms and pay back on your own schedule. You may also pay your vendors earlier and be eligible for a discount on your payments.

    • Line Amount

      Up to $10,000,000

    • Rates

      1-2% per 30 days extension of your payments
      0.5-3% rebate per 30 days acceleration of your payments

    • Advantages

      Hold your cash longer or potentially receive a rebate early payment of your vendors.

    • Considerations

      You need to manage the utilization in a way that is ideal for your company.

    • Apply for a Vendor Line of Credit!
  • Term Loan

    Receive a lump sum of money up front based on your needs and pay it back regularly. The frequency and interest rate is set by you and your lender.

    • Line Amount

      Up to $1,000,000

    • APR

      5.99-24.99% for a period of up to 48 months

    • Advantages

      Cash provided upfront with the ability to use for any purpose and a clear payment schedule. No prepayment penalty.

    • Considerations

      Interest begins to accrue when you receive the funding, so ideal to have a strategy for leveraging the cash beforehand.

    • Apply for a Term Loan!
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  • Asset-Based Loan

    As you prepare for a period of growth for your business, you should have the ability to get access to cash without giving up on equity. Take advantage of a modern C&I loan structured specifically around your future goals to take your business to the next level.

    • Line Amount

      $500,000-$7,500,000

    • APR

      14-19% for a period of up to 24 months

    • Advantages

      Receive large amounts of cash to invest in your business without giving up equity, with a partner dedicated to help you grow.

    • Considerations

      May take several weeks to process and complete

    • Apply for an Asset-Based Loan!