Gary Honig, President, Creative Capital Associates, Inc.

Gary Honig is President of Creative Capital Associates, Inc, a commercial finance company which has been operating nationally for over a decade. Creative Capital Associates provides critical operational capital to emerging companies. While specializing in technology related industries, CCA funds all types of businesses that qualify throughout the U.S. Available to speak at conference panels to help small business owners understand how to best utilize outside funding to help a business grow.

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As a business owner looking for help financing part of your business, it is important to understand the fundamental differences of a bank line of credit and a term loan. They are used specifically for different purposes. Applying for the wrong type of loan may cause problems later on as the business grows. A line of
At various times in the life of a company there are going to be requirements for outside capital in order to grow the business. Choosing which type financing vehicle is best for your company is very important. Deciding whether to seek equity capital or debt financing is the first step. Usually companies trying to get
Business-people always say that access to funds is the life blood of any company. Going out and securing outside financing to help grow a business is an important step in the life of an emerging organization. Keep in mind, the process of commercial borrowing is best done in preparation for needing the capital, rather than

When Is An Invoice An Asset?

When a company is looking to fund its growth from outside sources, one particular aspect of their business is a good candidate for use as collateral – the invoice. An invoice is an obligation to pay from an account debtor, meaning, your business has done some work and now the receiver owes you money. Whenever

What Are Asset Based Loans?

Many well-established government contractors turn to Asset Based Lenders (ABL) for capital. ABLs provide commercial financing to companies primarily using accounts receivables as collateral. Typically the Contractor will have a minimum of $1 million in available accounts receivable (AR) for funding. This means the creditworthiness of the account debtors (customers) is strong and diversified (not

Dealing With Uncertainty

The calamitous economic environment we find ourselves in creates peril and uncertainty when it comes to staying out of trouble. The ripple effect of banks going out of business or defaulting on existing loans is excruciatingly painful to small businesses. You can no longer take for granted the loan you have or were expecting to

How Invoice Factoring Works

Many government contractors who are finally awarded a long sought after contract have the dilemma of how to cash flow the new work. Especially in cases where the contract calls for work to ramp up quickly. There are situations where a company may be billing only tens of thousands of dollars today, but hundreds of
Last week in Washington D.C. at the Startup Mixology Conference active Angel investor John May of the New Vantage Group expressed the need for entrepreneurs to think realistically about seeking and expecting to receive investor capital.According to Mr. May, last year only 1,000 first time business owners found a successful angel investment. And of those, 50% of
The Mid-Atlantic region is heating up with a fresh batch of start-up companies who are expanding their reach from Pennsylvania down to Richmond, Virginia. With the advent of Web 2.0 and multi-faceted communications, companies and individuals are more connected than ever. There are pockets of organizations and communities who are driving this new energy and
There is a distinction between different types of equity investors. Knowing the difference between Seed, Angel and Venture Capital is critical to working with and marketing to them. Seed capital is commonly known as “friends and family” investment. These are typically individuals who know you well and believe in your idea. They invest small amounts of

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