Small Business Finance Services
James River- where here financial solutions meet innovation to propel your business forward. Are you facing cash flow challenges or seeking expansion opportunities? We're here to transform those hurdles into stepping stones.
Merchant Cash Advances
SBA Loans
Real Estate Asset-Based Loans
Cost Reduction Programs
We're not just financiers; we're your strategic partners in business success. Let's reduce costs, secure funds, and elevate your business together.
Ready to take your business to new heights? Let's soar together!
Our Achievements
400+
Clients since 2014
$78m+
Funded & Consolidated
$22.5m+
Customers Cost Reduced
10+
Years in Business
60+
Businesses Saved from Closure
Our Partners
Our Amazing Services to help YOUR Business
Considering Business Bankruptcy? Call us for a second opinion & option.
Bankruptcy is expensive, and stressful, and time consuming, you will be dragged into court and you may loose all your assets and still be left with a unaffordable pay plan. We have an alternative that we think is a better and less expensive option through direct negotiations.
Business We have Helped
Pizza Restaurant that was Flooded
Bella's Pizzeria faced a crisis when a flood submerged its kitchen. James River, the beacon of hope for businesses in financial distress.
Immediate Cash Flow Solution:
- When Bella needed funds to rebuild, traditional loans were too slow. We provided an innovative Merchant Cash Advance, enabling the pizza shop to start repairs and restocking without delay, based on their daily sales rather than her current financial bind.
Strategic Business Recovery:
- Beyond funding, we outlined a recovery plan. By analyzing their sales data, we estimated their future revenue, making it possible to finance her comeback with terms tailored to their business model.
Operational Efficiency:
- We introduced tools for better inventory management, reducing waste once operations resumed. This was crucial in a scenario where every penny counted. We helped re-negotiate their lease from 4500 a month to 2500 a month or until the landlord took preventative measure to ensure no more flooding. We threatened to sue the landlord for damages in the absence of such modification. This translates to a savings of $24,000 for the first year** Other cost cutting measures yielded an additional 15k per year in savings for Bella Pizza!
1st time Business Owner who grew too fast and things got "out of hand"
An Amazon contractor facing the growing pains of rapid business expansion turned to James River Finance for solutions beyond funding.
Comprehensive Cost Reduction:
- Lease Negotiation:
- Operational Efficiency:
Results:
- The business saw a significant reduction in overheads:
- Lease costs down by 20%.
- Fuel expenses reduced by 15% through route optimization.
- Helped them get our of Waste Management, Cintas, Verizon, and other MAFIA like contract services!
Educational Support:
- We ensured the owner was equipped with knowledge on cost management, setting them up for sustained financial health.
James River Finance provided more than just a Merchant Cash Advance; we delivered a comprehensive strategy to manage and reduce operational costs, paving the way for sustainable growth.
Contractor who build a business using his credit cards
This is a very common scenario for us at James River. Commecial/ Business Credit Card debt negotiation- When times were tough for a custom metal construction contractor in Florida, he turned to his credit cards to keep his business growing.... well he essentially built his business with those cards. Yes the business grew but with $180,000 in credit card debt, the specter of bankruptcy loomed large. That's when they approached James River Finance, desperate for a lifeline. What they found was not just financial assistance but a strategic plan to rescue their business from the brink.
James River Finance intervened by negotiating a 60-day payment halt, giving the contractor breathing room to reassess and restructure. Our experts then worked tirelessly, leveraging relationships and negotiating with creditors. The result was not just a temporary reprieve but a significant debt reduction. They managed to slash the contractor's debt down to $60,000, a figure manageable enough to avoid bankruptcy and start afresh. This case was more than debt management; it was about providing hope and a new beginning for a business on the verge of collapse.
Restaurant who's owner was a good chef but not good at his books
At a local restaurant in Texas, the owner's culinary skills were unmatched, yet his financial books were in disarray. Plagued by inconsistent cash flow and mounting bills, he feared for his restaurant's survival. Enter James River Finance, where the story of financial turmoil turned into one of recovery and growth.
We assessed the restaurant's financial health, identifying inefficiencies in inventory management, supplier payments, and revenue tracking. By implementing a Merchant Cash Advance, we provided an immediate influx of cash to stabilize operations. Moreover, our team offered hands-on support, setting up streamlined bookkeeping practices, teaching the owner financial management, and negotiating better terms with suppliers. Through these interventions, not only did the restaurant avoid closure, but it also began to thrive, its financial books now as well-managed as its kitchen.
Plumbing company that grew fast and picked up too much debt
A plumbing company in Pennsylvania had experienced rapid growth, but with expansion came the burden of excessive debt and high operational costs. The owner was overwhelmed by the financial strain, paying for services that the business no longer needed or used, and was caught in a cycle of paying off three high-interest Merchant Cash Advance (MCA) loans.
James River Finance stepped in to navigate this complex situation. We began by meticulously reviewing the company's expenses, cutting out unnecessary services, and renegotiating contracts to reduce overhead. Simultaneously, we executed a loan consolidation strategy, combining the three MCAs into one manageable loan with a lower overall interest rate. This not only simplified their debt structure but also significantly reduced monthly outflows, allowing the plumbing company to reinvest in growth rather than just survival. Through this financial overhaul, the business regained its footing, turning a story of unchecked growth into one of strategic financial management.
Landscaping Company that has a "bad season"
In the state of New York, a landscaping company faced what could only be described as a "bad season," with unpredictable weather and unexpected equipment failures disrupting business. With their cash reserves nearly depleted and obligations piling up, they approached James River Finance in a state of financial distress.
Recognizing the seasonal nature of their business, we crafted a flexible financial solution. James River Finance advanced them funds based on their more prosperous seasons, not their current hardships, allowing them to cover immediate expenses like payroll and equipment repairs. We also advised on cost management for the lean times, suggesting ways to reduce unnecessary expenditures and offering guidance on equipment maintenance to prevent future breakdowns. This strategic support not only helped them weather the bad season but also prepared them for a stronger recovery, ensuring they could continue to grow and flourish with the changing seasons.
