Retail Finance

Asset-Based Financing for Your Mid-Sized Retail Business:
Access Additional Liquidity To More Effectively Operate Your Business

Webster Business Credit’s Retail Finance Group is a leading provider of asset-based loans to middle market retail businesses in the United States.

At Webster Business Credit, we help you unlock the potential of your assets and convert them into needed funding for a wide variety of uses, including working capital and cash flow from inventory at point of sale.

By providing asset-based financing, Webster Business Credit delivers the funding you need to more efficiently run your business – with customized loans that meet your specific needs.

Retailing is typically both a seasonal and a cyclical business. At times, sluggish sales and delayed customer payments can significantly impact your cash flow. This usually requires an infusion of cash for working capital and other purposes.

At Webster Business Credit’s Retail Finance Group, we understand the unique demands and complexities of the retail industry. We’ve been working with midsized retailers for nearly 50 years, providing asset-based loans to meet their ongoing financial needs. We’re experienced in understanding retailer inventories and other assets, and can develop an asset-based loan structure that fits your particular requirements.

We provide middle-market asset-based loans in the $3 million to $50 million range.

Retail Sectors Served

We work with retailers in a wide variety of sectors, including:

Sporting Goods
Home Improvement
Consumer Electronics
Grocery Stores

Home Goods
Department Stores
Toys & Collectibles

Whatever your area of retailing, we can structure an asset-based loan that’s just right for your business.

Asset-Based Financing for Many Purposes

We provide retailers with asset-based financing for a wide range of purposes, including:

Working Capital
Mergers & Acquisitions

DIP Financing
Emergence Financing

Webster Asset Based Lending offers flexible loan terms

Why Choose Webster Business Credit?

At Webster Business Credit, we provide customized asset-based solutions. Our senior asset-based lending team is highly experienced. We will collaborate with you to provide flexible, structured asset-based loans that match your financing needs.

Experienced, Responsive, Solutions-Oriented.  We’re experienced, responsive, and solutions-oriented. We’ll find the best way to help you access the liquidity locked in your assets.

Direct Access to Senior Decision-Makers. At Webster we have a flat organization which gives you direct access to senior asset-based financing experts and decision-makers.  Decision-makers are involved early, so you’ll get a quick response to your application.

Structures Tailored to Your Needs. Our experience in asset-based lending enables us to customize your loan to your precise needs and purpose. We’ll collaborate with you to create an asset-based loan with a loan term and advance rate that matches your business’s requirements.

Competitive Pricing.  Our rates are based on either Prime or LIBOR options.

Additional Accommodations:  We provide further customization in our loan structures through seasonal advance rates and flexible covenants.

Quick and Efficient Loan Approval and Documentation.  We’re organized for a smooth, rapid transition from initial approval and documentation right through to final transaction closing.

Superior Customer Service.  We’re committed to superior customer service. You’ll get an immediate follow-up and response in real time to any new issues or needs that develop.

Long-Term Financial Relationships.  At Webster Business Credit, we want you as a customer for the long term. Not only do we make working capital and other asset-based loans, but we provide ongoing advice and guidance on how best to access your balance sheet items to provide for long-term asset-based financing.

The End Result. The end result will be an optimum asset-based lending solution to meet your financing needs.

The Power of a Strong Financial Institution

Access to Cash Management and Other Banking Services. As a client of Webster Business Credit, you’ll have full access to the myriad of additional financial products and services available through our parent company, Webster Bank, N.A., including cash management, treasury services, HSAs, swaps and private banking.

All credit products are subject to the normal credit approval process.

Webster Business Credit Corporation is a wholly owned subsidiary of Webster Bank, N.A. Member FDIC. The Webster Symbol is registered in the U.S. Patent and Trademark Office.

Webster Bank is a subsidiary of Webster Financial Corp., a New York Stock Exchange listed financial institution (NYSE: WBS) with over $23 billion in assets. Webster Bank has an 80-year tradition of delivering financial services to individuals and middle market businesses in the United States. Its 3,000 plus bankers are guided by our core values, namely, to take personal responsibility for meeting our customers’ needs; to respect the dignity of every individual; to earn trust through ethical behavior; to give of ourselves to our communities; and to work together to achieve outstanding results.