Different structures for different problems
Types of funding
There is no best structure, only the right one for a specific problem. A seasonal gap, a truck purchase and a slow-paying invoice each call for something different — and taking the wrong one is expensive in a way that is hard to undo.
Pick your starting point
Working capital
A lump sum repaid on a fixed schedule. The default answer when you need money for a specific thing with a known end date.
FastestMerchant cash advance
A purchase of future receivables, repaid as a share of daily sales. Fast, expensive, and the right tool less often than it is sold.
Most flexibleBusiness line of credit
Revolving credit you draw and repay as needed. Costs less over a year than repeated lump sums for the same problem.
Lowest costEquipment financing
The machine secures the deal, so the rate drops. Almost always the cheapest option when the money has a serial number attached.
For slow-paying customersInvoice factoring
Sell your receivables at a discount and get paid now. Usually cheaper than an advance when the problem is slow-paying customers.
Flexes with salesRevenue-based financing
Repayment scales with what you actually earn. Costs more in a good month, protects you in a bad one.
When you can't waitSBA loan alternatives
SBA is usually the cheapest money available. This page is about what to do when it is not available to you.