$1.3M Business Loan Package Helps Vancouver Manufacturer Cut Costs and Boost Margins

Client: Vancouver-Based Furniture Manufacturer Working capital facility secured on commercial property to support raw material purchases 

Property Value: Not disclosed 

Loan Amount: $1,325,000 (Combined Facility)

A leading Vancouver-based furniture manufacturer encountered a cash-flow challenge as demand surged. To maintain production and maximize profit margins, the business needed to purchase high volumes of wood and raw materials through auction-style suppliers offering time-sensitive bulk discounts. However, their primary bank declined to extend additional credit—forcing the client to consider paying retail prices or risking missed supply opportunities.

To address this, Syndicate Lending Corporation structured a dual-product business loan solution secured against the client’s commercial property. The working capital financing package included:

Term Loan: $825,000 at Canadian Prime Rate (fixed)

Revolving Line of Credit: $500,000 at Prime + 1%

By leveraging the value of the property and the manufacturer’s healthy order book and profit history, we fast-tracked underwriting and closed both facilities in just two weeks.

The asset-secured financing allowed the client to immediately capitalize on bulk-purchase auctions, securing raw materials at 15–20% below retail. The revolving credit line also provided on-demand liquidity for specialty lumber and urgent purchases, eliminating production delays.

As a result, the furniture manufacturer improved margins across product lines, expanded their offering, and confidently pursued new large-scale contracts. The flexible structure and absence of burdensome renewal terms gave them the freedom to grow without constraint.

With access to bespoke, business loan solutions, the client unlocked critical savings and achieved greater operational efficiency.

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