How it works
Invoices efficiently and cost-effectively converted into working capital
When you invoice a strong customer, that receivable is an asset.
Instead of waiting 30, 60, or 90 days to be paid, TowerCap advances against approved invoices, No later than 24 hours after the invoice is approved.
When your customer pays, funds are directed to a designated account and the remaining balance is released to you, less the agreed fee. Confidential, non notification structures are available where qualified.
From first discussion to funding
Initial discussion
We review your business model, customer base, receivables profile, and timing constraints. We determine suitability quickly.
Credit assessment
We evaluate:
- Customer credit strength
- Payment history
- Contract structure
- Concentration profile
Underwriting focuses on customer credit quality and receivable performance.
Facility structuring
We agree on:
- Advance rate
- Pricing
- Confidential or standard structure
- Reporting cadence
Terms are defined clearly and aligned to commercial reality.
Funding
Once invoices are approved and eligible, funds are advanced – generally on the day of approval, but no later than 24 hours from approval.
Collection & settlement
When the customer pays, funds are received into the designated account and the remaining balance is released. Under non-recourse terms, approved credit risk is borne by TowerCap subject to agreed conditions.
Model what your receivables could unlock
Before reviewing case examples, estimate the liquidity embedded in your outstanding invoices.
Enter your monthly invoicing volume and payment terms to see a directional facility size and capital release.
(Indicative only. Final structure depends on credit quality and receivable profile.)
Invoice customers which we assess to be credit-worthy
We work with businesses that:
- Invoice manually or through customer portal
- Operate on extended payment terms
- Maintain disciplined receivables processes
- Experience growth constrained by timing, not demand
We are industry experienced and industry agnostic. Across sectors, the common denominator is credit strength, not industry label.
Timing constraints solved across industries
Some details have been modified for confidentiality purposes
Staffing and workforce solutions
On Monday mornings, Pine Ridge Workforce (Columbus, OH) must make payroll before most of last month’s invoices are even close to paid.
They supply temporary crews to two national logistics groups and a regional distribution network.
Payroll runs twice a month. Customers pay in 60 to 75 days. Revenue was steady. Margins were acceptable. The gap was structural.
In February, Pine Ridge was offered a new site rollout that required hiring 30 additional workers and covering wages immediately.
Their bank revolver was already fully drawn, and the bank would not increase it without additional guarantees.
TowerCap structured a facility against approved invoices from the enterprise customers.
Within weeks, payroll stopped dictating which contracts they could accept, and they executed the rollout without taking on additional debt.
“Payroll was making strategic decisions for us. This fixed that.”
— CFO, Pine Ridge Workforce
Engineering and industrial services
The moment Hawthorne Industrial Engineering (East Brunswick NJ) won the expansion package, they had a choice: mobilise fast, or lose the job.
They execute multi-phase electrical and controls work for large industrial clients. The contract was profitable, but terms were fixed at 60 days and mobilisation costs were immediate. Labour had to be committed before the first invoice would clear.
Their bank line was at limit, and the bank was unwilling to extend further because most of Hawthorne’s receivables sat with one enterprise payer.
TowerCap evaluated the underlying counterparty, underwrote the receivable directly, and negotiated an inter-creditor arrangement with the bank so Hawthorne could retain its existing bank line.
Once invoices were approved, funding typically occurred within 24 hours.
Hawthorne mobilized on time, avoided covenant pressure, retained its bank facility, and did not need to renegotiate its broader banking relationship.
“The bank focused on exposure limits. TowerCap focused on who actually pays.”
— Managing Director, Hawthorne Industrial Engineering
Engineering and industrial services
Growth was not the problem for Northline Systems (Austin, TX). The two-month lag was.
Northline delivers above-ground telecoms GC services under master service agreements. After landing a multi-site rollout, contract volume grew more than 40% year over year. Billing and approvals were clean, but customer payment cycles remained 60 days.
Delivery costs were front-loaded. Staff and suppliers needed paying long before cash arrived. The team was turning down work because scaling delivery capacity would have stretched available cash too far.
TowerCap structured a rolling facility where funding was made against approval in the customer portal.
The facility aligned cash conversion with delivery, allowing Northline to scale
implementation without taking on expensive debt.
“We were funding delivery for two months at a time. That’s what changed.”
— Finance director, Northline Systems
Manufacturing and distribution
Peak season is where Barton Industrial Supply (Cleveland, OH) either makes its year, or breaks its working capital.
Barton distributes components to large manufacturers and national maintenance contractors. Customers are strong payers, but terms are 45 to 60 days. Suppliers are not as patient, especially when inventory needs to be secured ahead of demand.
In late summer, orders spiked and Barton needed to build stock. The choice was ugly: slow sales, or stretch suppliers. Either option would have damaged the business.
TowerCap advanced against approved invoices to convert receivables into immediate purchasing power.
Barton expanded inventory during peak periods without stressing supplier relationships or taking on additional debt.
“We stopped choosing between sales and suppliers. We funded inventory off the receivables.”
— Owner, Barton Industrial Supply
Government services provider
No one at Harbor Point Services (Arlington, VA) doubted they would get paid.
The problem was waiting 75 to 90 days to prove it.
Harbor Point provides operational support services under agreements with the state.
Invoices were reliable, but payment timing was slow, often extended by administrative processing even when submissions were correct.
Work still required steady labour and vendor commitments.
The business was profitable, but the delay forced expensive short-term bridging to keep operations predictable.
TowerCap structured funding tied to approved government receivables, aligned to the payer’s credit quality.
Harbor Point reduced reliance on bridge funding and stabilised internal cash planning without altering customer arrangements.
“We didn’t need more work. We needed predictability in the cash timing.”
— Controller, Harbor Point Services