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Emergency Funding Playbook
EXCLUSIVE RESOURCE

Emergency Funding Playbook

Your instant-action guide when clients face cash flow crises. Get them funded in 24-72 hours, not weeks.

⚠️
9 Warning Signs Your Client Needs Emergency Funding NOW
1
Payroll at Risk
Less than 2 weeks of payroll in the bank with no confirmed receivables coming in time.
2
Major Customer Delayed Payment
Their largest customer pushed payment 30-60 days, creating an immediate gap.
3
Unexpected Large Expense
Equipment failure, legal issue, or emergency repair requiring immediate capital.
4
Seasonal Cash Crunch
Entering slow season without reserves, but fixed costs continue.
5
Growth Opportunity Expiring
Large order or contract requiring upfront inventory/labor investment.
6
Credit Line Maxed/Frozen
Bank reduced or froze their line at the worst possible time.
7
Tax Payment Due
Quarterly estimated taxes or surprise tax bill with penalties accruing daily.
8
Vendor Relationships at Risk
Key suppliers threatening COD or stop-ship due to stretched payables.
9
Overdraft Fees Mounting
Bank account regularly negative, accumulating fees that worsen the situation.
⏱️
Speed-to-Funding Timeline
24 Hours

Merchant Cash Advance

Best for: Retail, restaurants, e-commerce with daily credit card sales

  • $5K - $500K available
  • 3 months bank statements needed
  • No credit score minimum
48-72 Hours

Revenue-Based Financing

Best for: B2B companies with recurring revenue

  • $10K - $5M available
  • $15K+ monthly revenue required
  • Personal credit 550+
3-5 Days

Asset-Based Line of Credit

Best for: Companies with AR, inventory, or equipment

  • $50K - $1M available
  • AR aging report or inventory list needed
  • More flexible than bank lines
5-7 Days

Short-Term Business Loan

Best for: Established businesses with steady revenue

  • $25K - $500K available
  • 1+ years in business required
  • Personal credit 600+
📋
Document Prep Checklist

🔴 Critical (Always Needed)

3 months business bank statements
Driver's license or passport
Voided business check or bank letter
Last year's business tax return (if over 1 year old)

🟡 Common (Often Requested)

Accounts receivable aging report
Profit & loss statement (last 3 months)
Balance sheet (current)
Business lease or mortgage statement

🟢 Situational (Industry-Specific)

Merchant processing statements (retail/restaurant)
Customer contracts (B2B companies)
Inventory reports (product businesses)
Equipment list with values (manufacturing)

⚡ Speed Tips

Download statements as PDF, not screenshots
Ensure all pages are included (even blank ones)
Have business EIN and formation docs ready
Know exact funding amount needed
💼
Real Emergency Funding Wins
Manufacturing

Auto Parts Manufacturer

$175K Funded
36hrs Time
2.1x ROI

Major customer (Ford supplier) delayed $400K payment by 60 days. Payroll of $85K due in 4 days, plus critical material delivery requiring $50K COD.

Solution: Revenue-based financing against the Ford PO. Funded before payroll deadline. Client later secured additional $2M contract due to maintained operations.
Restaurant

Multi-Location Pizza Chain

$95K Funded
24hrs Time
3.5x ROI

HVAC system failed at flagship location during summer. Repair cost: $40K immediate. Also needed funds for planned expansion to not lose prime lease opportunity.

Solution: Merchant cash advance based on $180K/month card sales. Same-day approval, next-day funding. Expansion location now generates $75K/month additional revenue.
Healthcare

Medical Device Distributor

$320K Funded
72hrs Time
4.2x ROI

Insurance reimbursements delayed 90+ days due to billing system change. Three hospital contracts at risk due to inability to fulfill orders without working capital.

Solution: Asset-based line against $1.2M in verified receivables. Maintained all contracts, added two new hospital systems as clients within 60 days.
E-Commerce

Fashion Brand (Shopify)

$125K Funded
48hrs Time
5.1x ROI

Black Friday inventory needed 6 weeks before event. Traditional lender declined due to only 8 months in business. Would miss entire holiday season without immediate funding.

Solution: Revenue-based financing against $85K/month Shopify sales. Inventory arrived 2 weeks before Black Friday. Holiday sales exceeded $640K (previous year: $125K).
❌
5 Costly Mistakes to Avoid
1

Waiting Too Long

Best rates and terms come when you have 2-4 weeks runway, not 2-4 days. Emergency funding costs more than planned funding.

2

Applying to Multiple Lenders Directly

Each application can trigger a credit pull. Multiple pulls in short time hurt credit score and reduce approval odds. One application to a broker accesses 75+ lenders.

3

Not Reading the Daily/Weekly Payment Terms

That "$50K for only $55K payback" might require $500 daily ACH payments. Ensure payment schedule aligns with cash flow cycles.

4

Lying or Hiding Financial Problems

Lenders will see everything in underwriting. Being upfront about challenges gets you matched with the right program faster.

5

Taking Maximum Amount Offered

Just because you're approved for $500K doesn't mean you should take it. Only borrow what you need + small buffer. You can always come back for more.

🤝
Let's Partner Together
Book a Call to Discuss Partnership
Giulio C. - CEO Fast Financing

Giulio C.

CEO at Fast Financing
📱 201-515-6169
📍 3350 NW 2nd Ave A28
Boca Raton, FL 33431, USA

"I've helped hundreds of accountants become heroes to their clients during financial emergencies. When your client needs funding FAST, you need a partner who answers the phone and delivers. That's what we do."