Wave Crest was founded by IT security engineers who realized the need for specialized IT contract financing solutions. We have been where you are now. Our team knows the Federal contracting space, and can help provide solutions fast and effectively because we've been there and have successfully built Government Contracting firms along the way.

our process is designed to be fast & efficient

When a business needs capital to achieve its objectives and grow, getting the answers you need rapidly is critical. At Wave Crest, our entire business is built around becoming a responsive and professional financial partner to our clients. You can depend on us to provide funding to your business when you need it.

Getting started with Wave Crest is easy. You can download our application through this website, and then email it to us alongside any supporting documentation. Upon receival, we will begin processing your information and finding the right solution for you in a matter of minutes. It’s that simple.

we provide access capital

Wave Crest provides access to capital. Our clients gain the ability to obtain financing in the form of advances, even in situations where more traditional commercial banking may not be available, particularly if your business is:

  • Newly formed

  • Rapidly growing

  • Has a narrow customer base

  • Has slow-paying customers

  • Is thinly capitalized


Our clients also garner several benefits from working with Wave Crest. These include:

  • Rapid and reliable financing approval. Once we have established a relationship, we can provide financing to your business in less than 24 hours.

  • Our factoring solution reduces credit losses because Wave Crest assumes the responsibility of collecting on all approved accounts.

  • Improved and more timely financial reporting. Our clients have 24/7 access to Wave Crest’s Client Portal which provides:

    • The aging of open accounts

    • Your clients’ payment history

    • Current capital available to you and your business

  • Few or no financial covenants, with higher or even unlimited funding on accounts accepted for purchase, especially with our factoring solution.

  • More limited guarantees. For example,Wave Crest typically accepts a validity and non-diversion guarantee from the client’s principals that does not extend to credit risk. By contrast, traditional commercial lenders will typically require full corporate and full personal guarantees.

  • Non-dilutive capital. Our financing does not require the sale of your company's shares, and hence does not cause dilution of the existing shareholders. Thus, you accomplish your capital goals for the business without giving away any ownership of the company itself.

  • Wave Crest believes in developing a meaningful business partnership. We want to be a catalyst for your growth. To do that, we prefer to establish a closer working relationship than might typically exist with a bank loan officer administering a line of credit.