Guides: Types of Credit Products and Small Business Resources
Business Financing
Business financing comes in all shapes and sizes.
The option for your business is the one that best satisfies your short-term needs, while helping you reach your long-term goals.
Business Loans for Bad Credit
No credit? No problem.
While many people believe that you need flawless credit to take out a business loan, there are many financing options available to businesses with lesser credit profiles.
Collateral Loans
Pledging collateral doesn’t have to be scary. Read on for everything you need to know about collateralized loans.
Business Lines of Credit
Need on-demand access to additional capital?
A business line of credit allows you to secure access to funds when you need them, without having to pay interest until you use them.
Crowdfunding
Need startup capital?
Crowdfunding can you help obtain the financing you need without giving up equity or committing to debt payments, while assessing market viability.
Debt Financing
Need business financing but don’t want to give up control of your company?
Debt financing allows you to borrow the funds you need to grow your business, but without giving up equity.
Equity Financing
Need business financing? Unable to take on debt?
Equity financing allows you to borrow the funds you need to grow your business, but without taking on debt.
Unsecured Loans
Need a loan but don’t want to offer collateral?
An unsecured loan allows you to borrow based on your creditworthiness, without pledging any collateral.
Short-Term Business Loans
Need business financing now?
There are plenty of financing options that can get you the money you need in less than 48 hours.
Merchant Cash Advance
Need financing but don’t want fixed payments?
A merchant cash advance provides you with money up front in return for a portion of your future receivables.
Equipment Financing
Need to purchase or replace equipment?
There are various types of financing that can help you pay off the equipment over longer periods of time.
Real Estate Financing
Looking to relocate or purchase an additional location?
There are plenty of real estate financing options to help you find and finance the perfect place of business.
Franchise Loans
Looking to open or expand a franchise?
There are various types of financing that can help you reach your franchise dreams.
Inventory Financing
Need help managing or expanding your inventory?
You can use your inventory as collateral against a revolving line of credit or take advantage of other available financing options.
Invoice Factoring
Need cash now but don’t have a strong credit profile or collateral?
You can always sell your accounts receivable at a discount in exchange for short-term financing.
Invoice Financing
Waiting on unpaid invoices?
There are plenty of options that allow you to finance your incoming receivables so that you can maintain your cash flow.
Asset Based Lending
Have collateral to offer?
Asset-based loans are secured by your company’s assets and typically function as a revolving line of credit.
Microloans
Only need a small amount of financing?
Microloans allow you to borrow in small denominations when credit cards don’t make sense.
SBA Loans
Have great credit and can afford to wait for financing?
The SBA offers numerous programs to offer small business owners financing at low rates.
Startup Loans
Just starting out and need financing?
While most lenders require that you are in business for at least six months, there are still plenty of options available.
Business Loans for Women
Did you know that there are grants specifically for female entrepreneurs?
Many organizations and lenders provide special grants and more competitive rates for women-owned businesses.
Minority Business Loans
Did you know that there are financing options dedicated to minority-owned businesses? Read on to learn more.
Business Loans for Veterans
Unfortunately, veterans typically don’t have an opportunity to build credit.
That’s why the SBA and other organizations offer grants and loans specific to those who have served our country.
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Certain products may not be available in all states.
Certain business loan products are made available through Retail Capital LLC, a licensed California Finance Lender.
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