Explore funding structures for the needs that keep your business moving.
A seasonal inventory order, a gap between receivables and expenses, or an operational investment can each call for a different conversation. Describe the need first, then evaluate the structure.
Discuss business-purpose funding for operational needs. The provider may review business history, cash flow and the intended use of proceeds.
Ask about: Understand the full repayment obligation, payment frequency and effect on operating cash flow.
Explore structures linked to business revenue where available. Product definitions and collection methods vary by provider.
Ask about: Ask how payments are calculated, whether there is a fixed obligation, and what happens when revenue changes.
Discuss categories that use eligible unpaid business invoices as part of the funding arrangement.
Ask about: Clarify whether invoices are financed or sold, who collects from customers, recourse obligations and all fees.
Consider funding categories tied to inventory purchases or existing inventory, subject to provider requirements.
Ask about: Ask how inventory is valued, what security is required and how the arrangement affects other financing.
No. Working capital describes a business use of funds. Different loans or financing structures may serve that need, with different obligations.
No. Eligibility and available structures depend on the business, program and provider review.
Tell us what your business is building toward.
