Unexpected expenses can derail any business’ best-laid plans and can strike any business, anywhere, at any moment.
When unforeseen challenges arise—like supply chain disruptions, delayed payments, or emergency expenses—specialty funding solutions provide fast, flexible access to capital. With tailored options like invoice factoring, bridge financing, and asset-based lending, businesses can maintain stability, protect operations, and navigate uncertainty with confidence.
of small businesses have less than 3 month’s worth of cash reserves
of business owners say they couldn’t access funding if they needed additional capital
Unexpected expenses and opportunities are part of running a business—whether it’s emergency equipment repairs, a sudden customer default, or the chance to take on a large new project. That’s where cash on hand comes in. It refers to the liquid capital your business can access quickly—whether for emergencies or strategic investments. Think of it as your financial buffer.
The current ratio shows how many times your business’ current or liquid assets can cover its short-term debt or unexpected events.
A current ratio of 1.2 to 1 or higher generally provides a strong enough cushion to weather unexpected events. A current ratio that is lower than the industry average may indicate a higher risk of distress or default.
In times of economic uncertainty, most businesses prefer a higher current ratio of 2 to 1 or 3 to 1.
Leveraging eCapital’s creative financing solutions will allow you to quickly improve your current ratio and better prepare your business for unexpected events.
Unexpected event financing is a form of fast, flexible funding designed to help businesses respond to unforeseen challenges or sudden opportunities—like equipment breakdowns, customer defaults, supply chain disruptions, or unexpected growth. Think of it as rainy-day funding for your business—capital that’s ready when things don’t go as planned.
Just like a personal emergency fund, unexpected event financing gives your business a financial cushion. It ensures you can cover urgent expenses, seize time-sensitive opportunities, or maintain operations during a disruption—without derailing your long-term strategy or cash flow. It’s not about planning for failure—it’s about being prepared for real-world business volatility.
Have more questions? Our experts are here to make funding simple, clear, and stress-free.
When it comes to funding your business, you need more than a traditional lender—you need a partner who understands your operations, your assets, and your urgency.
Clients choose eCapital when they need an engaged, solutions-oriented, long-term credit partner with proven capacity, creativity, and continuity. Our expertise is customization—whether on a $5 million or $150 million facility, employing a meticulous, hands-on strategies.
Our tight-knit group of financing experts are agile and client-centric, yet backed by extensive resources with the scale to conquer any challenge. This means we are going to be a better credit partner through every business cycle, bringing capabilities and passion—as patient, flexible problem-solvers—other providers simply do not have. Our track record speaks for itself.
"*" indicates required fields
Financial Preparedness Tips
