Commercial funding options for growing businesses
Not all business loans are created equal. Here's a plain-English breakdown of what's available, what lenders look for, and how to avoid overpaying.
Common loan types
A lump sum repaid over a fixed schedule — months to years. Best for expansion, acquisitions, or large one-time costs. Rates depend heavily on credit and time in business.
Government-backed loans with favorable rates and long terms. The SBA 7(a) is the most common. More documentation required, but lower cost of capital for qualifying businesses.
An advance against future revenue, repaid as a percentage of daily sales. Fast funding with flexible payback. Higher effective cost — best for short-term cash flow needs.
Asset-backed loans or leases for specific equipment. The equipment itself is collateral, which typically means better rates. Preserves working capital.
Revolving credit you draw from as needed and repay on your terms. Interest only on what you use. Good for managing cash flow gaps and unpredictable expenses.
Sell outstanding invoices to a lender at a discount for immediate cash. Best for B2B businesses with long payment cycles. Not a loan — no repayment schedule.
What lenders look at
Why use a marketplace
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