Transaction
Accounts Receivable & Contract Financing
Capital advanced against invoiced receivables and settlement proceeds where the obligor and the payment path can be clearly documented.
- Principal Capital
- Collateral-Based
- 6–12 Month Terms
- Case by Case
Overview
A receivable that is invoiced, uncontested, and owed by a creditworthy obligor is among the cleanest collateral there is. The delay between performance and payment is a financing problem, not a credit problem.
BlackWolf advances against accounts receivable, settlement receivables, and similar contract proceeds where ownership is clear, the obligor is identifiable, and a UCC position can be perfected.
This is where BlackWolf's speed matters most. Because decisions are made in-house, a well-documented receivable can move quickly — without shortcutting documentation.
Indicative Structure
| Facility size | $100,000 – $500,000 initially |
|---|---|
| Term | 6 – 12 months |
| Security | UCC-1 on accounts receivable |
| Controls | No receivable sales or undisclosed events without consent |
| Coverage | Assessed against the collateral value and obligor quality |
All transactions remain subject to diligence, credit or investment approval, legal review, collateral review, and closing conditions.
Collateral Considered
- Accounts receivable
- Settlement receivables
- Contract proceeds
- UCC lien on related assets
- Control agreements over collection accounts
Senior liens, priority, and enforceability are reviewed during diligence.
What We Look For
- Invoices that are issued, uncontested, and aged reasonably
- An identifiable, creditworthy obligor
- A/R aging that reconciles to the ledger
- No prior sale, factoring, or assignment of the same receivables
What Commonly Stalls One
- Receivables already sold or pledged elsewhere
- Disputed or contingent invoices
- Concentration in a single fragile obligor
- Collections routed through accounts outside the lender's control
Common Questions
If your question is not here, a short call is usually faster than an email thread.
Ask directlyIs this factoring?
No. BlackWolf lends against receivables as secured collateral rather than purchasing them. Receivable sales without consent are a default trigger under our standard controls.
What documentation is needed to start?
An A/R aging, the underlying invoices or contract, and a lien search are the usual starting point, alongside the standard intake information.
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Negotiated capital to retire problem obligations, fund settlements, and present a clean balance sheet ahead of a transaction.
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Financing for companies becoming publicly reporting through a Form 10 registration or a direct public offering, rather than through a merger.
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What Happens Next
Submitting a transaction starts a review, not a commitment. This is the sequence that follows.
Submit Intake
Provide a brief overview of your financing needs.
Initial Review
Our team reviews the opportunity and confirms alignment.
Confidential Discussion
We evaluate structure, collateral, and objectives.
Structured Solution
Where there is a fit, we outline a tailored path forward.
Submission of information does not create a commitment to lend or invest.
What to Have ReadyDocuments commonly requested during review. Nothing here is needed to submit.
Corporate
Establishes who you are and who can sign.
- Certificate of incorporation and current bylaws or operating agreement
- Current capitalisation table, including options, warrants, and convertible instruments
- Officers, directors, and holders of more than five per cent
- Board or member authority to incur debt and pledge assets
Financial
Shows what the business does and what it can carry.
- Last two years of financial statements, audited where they exist
- Current-year interim statements
- Existing debt schedule with maturities and security
- Accounts-receivable ageing, where receivables are part of the picture
Transaction
Describes what the money is for and how it comes back.
- Letter of intent, merger agreement, or registration draft, as applicable
- Use of proceeds, itemised
- Repayment or exit source, with its expected timing
- Counsel, auditor, and transfer agent engaged on the transaction
Collateral
Establishes what secures the facility and who else has a claim on it.
- UCC search results and any existing lien or security filings
- Valuation, appraisal, or ageing supporting the collateral's value
- For pledged securities: share certificates or book-entry position, and the transfer agent's requirements
- Any lock-up, pledge restriction, or shareholder agreement that touches the collateral
Specific to Receivables Financing
What we look at first on this kind of transaction.
- Invoices that are issued, uncontested, and aged reasonably
- An identifiable, creditworthy obligor
- A/R aging that reconciles to the ledger
- No prior sale, factoring, or assignment of the same receivables
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Not Ready for the Full Form?
Tell us who you are and that you are looking at receivables financing. We will read it and reply.
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Submit This Transaction for Review
Send company information, requested amount, use of proceeds, repayment source, and available collateral. Submission of information does not create a commitment to lend or invest.