Frequently asked questions
Plain answers about our financing products, structures, and how we evaluate transactions. Anything not covered here — just ask.
What does Qualiteq do?+
Qualiteq Capital provides commercial financing across six product lines — invoice factoring, purchase order financing, freight factoring, asset-based lending, equipment financing and leasing, and insurance premium financing — to businesses operating in US and European markets.
Who is the typical Qualiteq client?+
Distributors, manufacturers, importers, carriers, service and staffing businesses, and middle-market operators that need working capital, asset, or premium financing structured to a specific commercial situation.
How is Qualiteq different from a bank?+
Banks underwrite primarily to historical financials and balance-sheet covenants. Qualiteq underwrites the specific transaction or collateral — receivables, purchase orders, freight bills, equipment, or borrowing base — so financing can scale with the opportunity in front of you.
What's the difference between invoice factoring and asset-based lending?+
Factoring funds against individual invoices as they are issued and is typically disclosed to your customers. Asset-based lending is a single revolving facility against a pool of collateral (AR, inventory, equipment), billed monthly and usually undisclosed. ABL is generally larger and lower-cost; factoring is faster and more flexible at smaller sizes.
Do you require personal guarantees?+
Structures vary by product and credit profile. Many transactions are secured by the underlying asset or receivable rather than relying on personal guarantees alone.
What information is needed for an initial review?+
Typically: a description of the financing need, recent financial statements, an AR aging or sample invoices, customer or vendor information, and supporting transaction documentation (PO, equipment quote, premium schedule, etc.) depending on the product.
What facility sizes do you work with?+
Most transactions fall between $100K and $25M. Smaller and larger sizes may be considered case by case.
How fast can funding happen?+
Freight factoring funds in 24 hours once set up. Invoice factoring and equipment financing typically fund within days. PO financing and ABL move on the pace of documentation and field examination — often 2–4 weeks for new facilities.
Do you finance international transactions?+
Yes. Qualiteq reviews cross-border transactions involving overseas vendors, international shipments, and foreign buyers, subject to counterparty review and documentation. Buyer-side anchoring is typically in US, UK, EU, or Canadian markets.
Recourse or non-recourse?+
Both structures are available across the factoring products. The right structure depends on customer concentration, credit quality, and your appetite for taking credit risk on individual receivables.
Does Qualiteq work alongside existing banks and lenders?+
Yes. Qualiteq often complements existing banking relationships — financing transactions, growth opportunities, or asset classes that fall outside bank parameters.
Is financing only for companies in distress?+
No. Most clients are healthy businesses using the right financing tool for growth, large orders, asset acquisition, or smoothing payment cycles. Turnaround and transition situations are also supported when collateral and a workable plan are in place.
Who repays Qualiteq?+
Repayment is tied to the underlying cash flow of the financed transaction — your customer pays the factored invoice, the buyer pays the financed PO, you make scheduled equipment or premium payments, or the ABL revolves with the borrowing base.
What markets do you serve?+
United States, Canada, United Kingdom, and the European Union — anywhere counterparty credit, documentation, and payment performance can be evaluated to institutional standards.
How do I get started?+
Reach out via the contact page with a short description of the situation. If there's a fit, we'll outline next steps and the documentation required for the relevant product.