Specialty Finance & Targeted Liquidity
Capital isn't always a straight line. We unlock the liquidity trapped in your balance sheet, your supply chain, or your exit structure so you can keep moving forward.
Niche Problems Require Niche Capital
Traditional Canadian banks operate in strict boxes. They lend against hard real estate and historical trailing earnings. But what happens when your biggest asset is an unfulfilled Purchase Order, an accrued SR&ED tax credit, or a Vendor Take-Back (VTB) note from the business you just sold? AJS Capital steps outside the traditional banking box to monetize your illiquid assets quickly and confidentially.
Our Speciality Finance Solutions
Purchase Order (PO) Financing
Turn your largest orders into reality. We pay your suppliers directly so you can fulfill massive commercial contracts without draining your working capital or losing the deal.
SR&ED Tax Credit Financing
Stop waiting 6 to 12 months for the CRA. We advance up to 80% of your accrued or filed Scientific Research and Experimental Development (SR&ED) refund within days so you can fund your next iteration.
ESOP & EOT Funding
Transition your business to the employees who helped build it. We provide the institutional capital required to fund Employee Share Ownership Plans and Employee Ownership Trusts.
VTB Note Buyouts
Did you sell your business and take back a Vendor Take-Back (VTB) note to close the deal? We buy performing VTB notes for cash today, unlocking the liquidity you thought was tied up for years.
When you are dealing with complex transitions like ESOPs or fast-moving supply chain issues like PO financing, you don't have time to educate your lender on how your industry works. Because AJS Capital is led by former operators and commercial bankers, we understand the mechanics of your business. We underwrite the reality of the transaction, not just the ratios on a spreadsheet. We move decisively so you don't lose momentum.
Built by Operators, For Operators.
Let’s discuss your specific capital needs
All inquiries are strictly confidential