Six ways to structure capital, depending on what the business actually needs.
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Government-backed loans with longer terms, for established businesses raising growth capital.
Because a portion of the loan is guaranteed by the Small Business Administration, lenders can offer longer repayment terms than most conventional business loans allow. That structure tends to suit businesses funding a specific, larger-scale plan — an expansion, an acquisition, a major equipment purchase — rather than day-to-day cash flow needs.
The tradeoff for that government backing and extended repayment window is a more involved application process than the other structures on this page — typically more documentation, and a longer timeline from application to funding. For a business that can plan ahead of the actual need, that tradeoff is usually worth it for the terms it unlocks.
Apply Now →Convert outstanding invoices into cash by leveraging your accounts receivable.
Rather than waiting 30, 60, or 90 days for customers to pay, factoring advances you a portion of what you're already owed, using the invoice itself as the basis for funding. It's structured around receivables you already have on the books, not a new debt obligation layered on top of them.
Because approval is based largely on the creditworthiness of your customers rather than your own credit profile, factoring can be accessible to newer businesses or those with a limited credit history — provided the invoices themselves come from established, reliably-paying customers.
Apply Now →Revolving credit you draw as needed — pay interest only on what you use, then repay and reuse.
Unlike a term loan with a single lump sum, a line of credit stays open: draw against it when a need comes up, repay it, and the available credit resets. That structure fits businesses whose capital needs are recurring or unpredictable, rather than tied to one specific project.
Because it's revolving rather than a one-time disbursement, a line of credit also functions as a standing safety net — available when a need arises without a new application each time, as long as the line stays in good standing.
Apply Now →Capital for day-to-day operations — payroll, inventory, marketing, or other business expenses.
This structure is built for the ongoing rhythm of running a business rather than one discrete purchase. It's the category most businesses reach for when a seasonal gap, an unexpected expense, or a growth opportunity needs to be covered without disrupting normal operations.
Structures in this category also tend to run shorter-term than SBA loans or commercial real estate financing, reflecting what they're actually funding — operational needs that recur or resolve within months, not multi-year capital projects.
Apply Now →Financing to purchase, refinance, or renovate commercial property.
Whether the goal is acquiring a new location, refinancing an existing note, or funding renovations, commercial real estate financing is structured around the property itself as the underlying asset — distinct from working capital or equipment-based financing.
Because the property serves as collateral, the terms and structure are shaped in part by the asset itself — its value, condition, and intended use — in addition to the financial profile of the business acquiring or improving it.
Apply Now →Fixed-amount loans with predictable monthly payments, for specific projects or equipment purchases.
A term loan provides a set amount upfront, repaid on a fixed schedule over a defined period. That predictability makes it a natural fit for financing a specific, one-time need — a piece of equipment, a defined project, a planned expansion — where the cost and timeline are already known.
The fixed schedule also makes term loans more straightforward to plan around than a revolving structure like a line of credit — the payment amount and payoff date are set from day one, which many businesses prefer for budgeting purposes.
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