Flo Financing Consultants LLC is a new financing solution for emerging companies, offering fast, flexible and cost-effective financing solutions for growing businesses. While the economic disruptions of COVID-19 have adversely impacted many sectors, none have suffered more than restaurant and bar owners. Always a precarious business to start, emerging hospitality companies in the last year have been subject to some of the most unpredictable and difficult conditions in memory. Flo wants to help these beleaguered entrepreneurs reclaim their seats at the small business table and thrive, helping them take advantage of the pent-up demand for social interactions by a population anxious to get out of the house and enjoy themselves.

Young companies need money to take advantage of circumstances when they arise. Perhaps the moment offers an irresistible new hire or a chance at a better location—if you can't say "yes," you may lose that opportunity. The solution could be a flexible business credit line, a business term loan, equipment financing or other innovative methods of providing growing companies with the liquidity they need to be nimble.

Flo is different— it knows entrepreneurs need to focus on the things that matter for the company to achieve success, not spend time finding capital for the next phase of growth. But they don't want to dilute the equity they have worked so hard to build in exchange for reaching the next level. Flo offers businesses a way to obtain the financing they need with or without collateral, and often at single digit rates. In addition to finding customers the best rates for the financing vehicle they choose, Flo leverages its relationships with lenders so that it can move quickly, providing its entrepreneurial clients with the ability to stay focused on their business. Flo can often generate a decision or term sheet within just one to two business days and close on funds within a week.

Co-Founder Ryan Ridgway, who created Flo with the stated goal of combining agility with ethics, said: “We only prosper when our customers do. We want to partner with the companies we serve, not take advantage of them. Luckily, it turns out that ethics is profitable.”

Flo is committed to inclusivity, providing capital and credit to all businesses, including those owned by women, minorities and the LGBTQ+ community.