Funding the Growth of American Entrepreneurship
Flexible Working Capital $500,000+
Lending through Partnership
Promotes Future
Bankability
Funding for now, fitness for the future.
Sawgrass Finance is a Northeast Florida asset-based lending marketplace that empowers business owners to leverage their company's assets to secure lines of credit, term loans, and other flexible capital solutions without sacrificing equity ownership, customer perception, or future bankability.
Our hands-on partnership with business owners prioritizes continuous improvement and promotes long-term success.
Sawgrass proudly serves small, medium, and large businesses across Manufacturing, Wholesale/Distribution, Importers, Healthcare, Construction, Real Estate, Food & Beverage, Staffing Services, Apparel & Accessories, Logistics, Oil & Gas, Technology, and more.
Our Guiding Principles
Agile
Entrepreneurial
Collaborative
Forthright
You’ve got the goods. We’ve got the working capital.
Sawgrass Finance empowers a business owner to leverage liquid assets such as accounts receivable and inventory as collateral to secure a flexible line of credit.
Unlike other loan options, Sawgrass options are collateral driven, takes no equity ownership, has no negative impact on customer perception, and promotes future bankability.
These and other advantages make Sawgrass solutions ideal for quality businesses experiencing fast growth, insufficient cash flow, declining sales, financial losses, foreign ownership, seasonality and more.
How Sawgrass Serves You
Flexible Collateral
Prime-Based Interest
No Dilution of Ownership
4-6 Week Closing
No Annual Cleanup
Access to Decision Makers
No Harm to Reputation
Promotes Bankability
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"Sawgrass team listened carefully, secured the best terms and pricing for our working capital through accounts receivable lending (new to us), and provided expert guidance throughout. Marius also introduced us to an excellent local bank partner for capex financing."
Tye Slappey, Head of Finance - Horizon Auto Logistics
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“Marius uniquely understands the modern banker's precise needs to simultaneously serve the needs of their business owner customers without risking withdrawal of their deposits. Our collaboration with Sawgrass is a true partnership, providing a bridge to fair financing while maintaining our customer relationships.”
David Davis, President, North Florida at United Community Bank
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"Sawgrass Finance is an excellent firm that was invaluable in securing working capital for my business. Marius was helpful, supportive, and diligent, which gave me the confidence to pursue what we needed for the company."
Millie Sagesse | Owner, Metropolitan Behavior Services
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"As first-time borrowers, we were initially hesitant, but Marius and the Sawgrass Finance quickly put us at ease, stayed available throughout the process, and delivered exactly what they promised. Marius earned our trust through his responsiveness, transparency, and genuine commitment to our success. He is the reliable partner we needed."
David Brady, Owner - Brady Construction
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“In Marius and Sawgrass, I found a true partner. When their own lending options didn’t fit our bill perfectly, Marius brought in a specialized partner lender who offered exactly what we needed. Talk about 'Lending Through Partnership.'”
Matt Fenner, COO | CFO, Caplin Ventures
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“There’s no doubt about it: our business was complicated. Two entities, multiple layers of collateral, seasonal demand, and perishable inventory. No other lender took the time to understand our operations, yet they gave us their attention, understood our value, and gave us the working capital we needed to thrive."
Jian Wen Wu, Former CFO, Stromberg Brand
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“As one of GrowFL's trusted advisors, Sawgrass Finance embodies our guiding spirit — to ‘take successful companies to the next level.’ Squarely business owner-centric, the Sawgrass team makes owners’ interests a primary focus of everything they do.”
Jennifer Taylor, Former CEO, GrowFL
Your Able Credit Partner
Whether experiencing operational peaks or valleys, think of Sawgrass.
Opportunistic Times
Fast-Growing
Limited Track Record
Debtor Concentration
Needs Seasonal Accommodations
Foreign Ownership
In need of Flexible Working Capital
Challenging Times
Declining Sales & Trends
High Leverage
Negative Net Worth
Financial Losses
Insufficient Cash Flow
Inadequate Debt Service Coverage Ratio
How Sawgrass Works
Sawgrass’s revolving line of credit is designed to sustain — and empower — constant changes in a business, unlocking additional working capital as demand grows.
Liquid Assets
Sales or Inventory Unlock Funds
Borrowing Power
Up to 85¢ per $1 Invoiced and 50¢ per $1 of Inventory
Advance rates subject to changeWorking Capital
Sawgrass Provides Cash Advance
Customer Payments
LOC Credited, Interest Reduced, and Additional Funds Unlocked
Meet the Founder
Marius Dobren is the Founder and President of Sawgrass Finance responsible for leading the company business development and growth strategy, strategic planning, private credit market research, client relations and marketing.
Marius began as a collateral analyst for a commercial finance firm in New York and worked his way up as he learned the trade. Prior to founding Sawgrass Finance, Marius was the managing partner for TD Advisory Group, a field examination company servicing the asset based lending and factoring industries throughout the United States.
Marius is a committed resident of North East Florida, where he serves with business and non-profit organizations such as GrowFL, First Coast Manufacturers Association, Turnaround Management Association, Association for Corporate Growth of North Florida, Jacksonville Business Professionals and the YMCA.
Marius graduated from the University of North Florida, with high honors.
Invest in Sawgrass
Verified investors are invited to view additional content in our password-protected Investor Briefing page.
To learn more about investing in Sawgrass Finance, contact Sawgrass President Marius Dobren.