Working Capital SMBs Access provides asset-based loans, lines of credit, real estate loans and factoring to businesses that cannot qualify for traditional bank financing. This creates a sales opportunity to target growth stage SMBs with receivables or inventory as collateral and offer a one stop capital solution for cash flow, expansion and seasonality.

Expansion Financing The product mix enables funding for expansion, acquisitions and capital expenditures. Focus on mid market SMBs planning growth but unable to obtain bank approval; develop use cases and customer stories around expansion projects to accelerate outreach.

Development Partnerships The 2022 merger with HCDC and the rebrand to Alloy Development Co signals a strategic emphasis on growth ecosystems. This opens opportunities to partner with economic development organizations, chambers of commerce and regional lenders for co financing, referrals and joint marketing to fund business growth and job creation.

Flexible Lending Toolkit Access offers a mix of asset-based loans, lines of credit and factoring, giving a flexible financing toolkit to cover receivables, inventory and capital expenditures. Position messaging to CFOs and owners seeking adaptable capital solutions beyond fixed bank terms.

SMB Focus With 11 to 50 employees and revenue in the 10 to 25 million range, Access serves a small to midsize business segment often underserved by banks. This creates opportunities to engage through SMB channels such as local chambers, industry associations and targeted digital outreach, presenting Access as a practical capital partner.