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In cash-flow lending, Xinda grants a loan that is backed by your personal or business cash flows. By definition, this means that a company borrows money from expected revenues they anticipate they will receive in the future. Credit ratings are far more important in this form of lending, in addition to historical cash flows.

For example, a company that is attempting to meet its payroll obligations might use cash-flow finance to pay its employees now and payback the loan and any interest on the profits and revenues generated by the employees on a future date.

These loans do not require any type of physical collateral like property or assets. Instead, banks will examine expected future company incomes, its credit rating and its enterprise value. The advantage to this method is that you can obtain financing much faster, as an appraisal of collateral is not required.

Xinda underwrite cash flow-based loan by determining your credit capacity. At Xinda, we will use EBITDA (Earnings Before Interest, Taxes, Depreciation and Amortization) along with a credit multiplier to calculate this figure. Cash-flow loans are better suited to companies that maintain high margins on their balance sheets or lack enough in hard assets to offer as collateral. Companies that meet these qualities will enjoy attractive interest rates.