Capital for the receivables you've already earned.
Warehouse facilities, credit lines, and bulk portfolio liquidity for originators holding consumer receivables. We match your portfolio profile, credit performance, and growth plan to capital sources with the right structure, advance rate, and risk appetite, without you running the outreach yourself.
Two paths to liquidity. One conversation.
Originators sitting on consumer receivables typically need one of two things: capital to keep originating, or liquidity to exit a portfolio. We work both sides of that question.
On the facility side, we match you to warehouse and credit facility providers whose advance rates, eligibility criteria, and reporting requirements fit your asset class and stage. On the portfolio side, we match you to institutional buyers and securitization sponsors with appetite for your receivable type.
Same intermediary, same network knowledge, two distinct outcomes.
What we place.
Warehouse Lines & Credit Facilities
Senior secured warehouse lines for originators in active production. We match asset class, ticket size, geographic concentration, and credit performance to facility providers whose box fits, not the other way around. Structures span single-bank facilities, syndicated, and bespoke.
Bulk Portfolio Sales
For originators monetizing seasoned portfolios: whole-loan trades to institutional buyers across prime, near-prime, and subprime consumer assets. Home improvement, auto, travel and leisure, healthcare receivables, and other consumer verticals. Matched to buyers whose mandate aligns with your asset and timing.
Forward Flow Arrangements
For originators producing consistent volume in a defined asset class: recurring whole-loan purchase arrangements where the buyer commits to ongoing acquisition at agreed terms. We facilitate the introduction and frame the asset, you and the buyer negotiate the structure.
Network beats search.
Sourcing a warehouse line or a portfolio buyer on your own is a months-long process of cold outreach, NDAs that go nowhere, and term sheets from providers whose appetite doesn't actually match what you have.
We've already mapped the network. We know which providers will look at your asset class at your stage, which won't, and and which have been active lately. We bring you a shortlist of real candidates and the context to have a substantive first conversation, not a list of names to chase.
Asset classes we work with.
- Healthcare and patient credit receivables
- Home improvement and in-home services
- Retail and specialty POS consumer loans
- Travel, leisure, and membership receivables
- Auto (prime, near-prime, subprime)
- Education and tuition receivables
- Fractional ownership and timeshare
- At-need and pre-need funeral receivables
- Other structured consumer receivables
Pledged asset facilities, answered.
What asset classes can you place?
Asset classes the network covers: we work with structured consumer receivables across the prime-to-subprime spectrum: healthcare, home improvement, retail POS, travel and leisure, auto, education, fractional ownership, and other niche consumer asset classes. If the asset is a contractual consumer receivable with documented performance, we likely have a facility provider or buyer in the network. If it's something unusual, we'll tell you in the first conversation whether it is worth asking the network, and how long finding out will take.
What stage of originator do you work with?
Both early-stage originators looking for their first warehouse and established lenders looking for a second or third facility, lower cost of capital, or a new buyer for seasoned portfolios. The network spans both. Early-stage placements take longer and usually require more equity support; we'll be direct about what's realistic in the first conversation.
Is this a brokered arrangement?
Yes. Capital Sources is a commercial finance intermediary, a broker. We introduce you to the provider, help both sides get to the facts quickly, and are compensated by the lender. We do not negotiate on your behalf, do not place securities, and do not act as either side's agent.
How we are paid. The lender compensates us. We charge the business no application, enrollment, processing or retainer fee, and we have not seen a lender charge one either; we work to keep it that way, but cannot promise it for every lender. If you ask whether the lender pays us, the answer is yes, and we confirm it in writing before any introduction is made. Consulting engagements are separate, fee-based, and agreed in writing before work begins.
How long does a facility placement take?
A warehouse line commonly takes 60 to 120 days from first conversation to closing, depending on asset class, originator readiness and provider diligence; a clean, seasoned portfolio sale can close faster. Our part, sourcing and matching, is the short end of that; legal, diligence and closing run on the provider's timeline.
Have receivables. Need capital.
Tell us about your portfolio. We'll tell you what's in the network and what's realistic, no obligation.