FOR LENDERS & FACTORS

Capital for your clients,
protection for your portfolio

We are a risk-mitigation partner built to complement your lending, never compete against it.

WE’RE YOUR TAKEOUT

We help you say "yes" to your clients

We provide transactional financing that exits cleanly through your advance, ensuring you retain the relationship as your client scales.

01

First lien, only on what we fund.

We take a first lien on the inventory we finance and nothing more. On every other asset, we sit second, behind you.

02

We exit through your facility.

We get repaid when the order becomes a receivable that you finance. Your participation isn't a courtesy, it's how the deal closes.

03

We don't compete for the client.

We don’t provide any AR financing options to borrowers. Instead, we enhance the value of your customer to faciliate their growth.

US VS. THEM

Keep MCAs out of your portfolio

When your borrower reaches for an MCA, your collateral pays for it. Here's the difference.

Borrower takes an MCA

  • Fixed daily or weekly debits
  • Broad blanket lien
  • Borrowing base erodes
  • You can lose the client

Borrower comes to Aurous

  • Structured against the order
  • Subordinated, position intact
  • Borrowing base stays intact
  • You keep and grow the client
HOW REFERRALS WORKS

We’re your growth partner that makes financing simple

Ensuring that we help you win, keep, and grow clients.

01

You send us the deal

Opportunities that are outside your box today, or bigger than you can take right now that you've overadvance.

02

We fund against the POs

We pay into the supply chain and track the goods through to the end buyer.

03

You fund the receivable

When the order becomes a receivable, you finance it and repay us, with the client still yours.

EXECUTION

Frictionless intercreditor agreements

We hold intercreditor relationships with more than 35 banks, factors, and ABLs, so the agreement is frequently already in place. Where it isn’t we move quickly to get one executed.

How it Works
FEATURED TESTIMONIAL
35+

Active Intercreditors

In the words of our partners & clients.

$2.5m
Apparel

“This is a pretty short client testimonial that we can put right here. Something that really highlights your ability to move fast and reliably to help your clients.”

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In the words of our partners.

"Aurous is a valuable partner to us as their financing cleanly stays in its lane. They fund the purchase order and step aside the moment the invoice is generated, leaving us an unencumbered receivable to lend against. Their intercreditor agreement is straightforward and their communication around every opportunity is proactive, so we always know exactly where we stand in the collateral chain. They've helped us close deals we'd have had to pass on otherwise, because their capital fills the pre-shipment gap our facility isn't built to cover. Any AR lender servicing the middle-market would be lucky to have them as a partner in their deal."

Stu Rosenthal
President, Prestige Capital

GET STARTED

Let's fund the next order

Get a real quote in 48 hours & funded in 14 days.