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A business owner has many options when it comes to locating financing for their small business. The following is a list of some of the small business financing options readily available on the internet.
Secured Business Loans - Secured Business Loans require collateral such as real estate, business equipment, and/or accounts receivables.
Unsecured business Loans - Unsecured Business Loans require no collateral. These types of loans are for borrowers with good to excellent credit. Approval for this type of loan is based on the credit history of the business owners.
Small Business Line of Credit - A Business Line of Credit is a revolving account that can be used to access working capital up to a specific credit limit. Business credit cards are a form of business line of credit.
Small Business Startup Loans - Business Startup Loans are used by small business owners to develop an idea, buy an existing business or franchise, or bring your particular product(s)/service(s) to the marketplace. A business startup loan can be in the form of a secured loan, unsecured business loan, or business line of credit.
Working Capital Business Loans - Working capital business loans are for already existing businesses. Working capital can be used to buy equipment, inventory, or advertising, meet payroll, cover minor repairs and maintenance, or any other business need.
SBA Loans - The Small Business Administration (SBA) was created by U.S. Congress in 1953 to aid and assist the development of small businesses. SBA administers three separate, but equally important loan programs. SBA sets the guidelines for the loans while SBA's partners (Lenders, Community Development Organizations, and Microlending Institutions) make the loans to small businesses.
Merchant Cash Advance - Merchant Cash Advance providers work in conjunction with merchant account providers. Retail businesses that accept Visa & Mastercard as a form of payment can sell a portion of their future credit card sales for a lump sum of immediate cash. The business owner receives a lump sum of cash from the cash advance provider. The merchant account provider will then deduct a small percentage of each future credit card transaction until the advance is made whole.
Invoice Factoring - Invoice Factoring is the process in which a business converts unpaid invoices or accounts receivable into immediate cash by selling them to a third party finance company known as a Factor. Instead of waiting 30, 60, or 90 days for your customers to pay, you send a copy of the invoices to the factoring company. The factoring company will then advance your business up to 95% of the face amount of the invoices. Then factoring company takes the responsibility for collecting payment from your customers.
Commercial Mortgage Loans - Commercial Mortgage loans are used to buy, renovate, or refinance commercial buildings.
Equipment Leasing - When a small business owner needs machinery, heavy equipment, or motor vehicles to operate their business, equipment leasing or equipment financing companies offer an alternative to paying cash. In most cases you can lease or finance new or used equipment. If you own your business equipment, you can sell it to an equipment leasing company and lease it back to improve your cash flow.