Funding options

What we can arrange.

Five instruments and one honest sixth option. The differences matter more than most owners are told, so here is each one in plain terms.

Working Capital

Cover short-term obligations without stalling the business.

Typical size: $10,000 – $500,000
Speed: Days, not weeks

Short-term funding for payroll, inventory, rent or a gap between receivables. The most common starting point when cash is tight but the business is healthy.

This tends to fit when

Revenue is steady but timing is the problem
You need to cover an obligation in the next 30 days
A bank has already said the process will take months

Ask about working capital

Invoice Factoring

Turn unpaid invoices into cash you can use now.

Typical size: Based on receivables
Speed: Days, not weeks

If you issue invoices on net terms, factoring advances against them so you are not financing your customers for 30 to 90 days. Typical net term limits run between 30 and 90 days.

This tends to fit when

You invoice other businesses on net 30/60/90
Growth is capped by how long customers take to pay
You would rather not add debt to the balance sheet

Ask about invoice factoring

Term Business Loan

A lump sum, repaid on a fixed schedule.

Typical size: $25,000 – $1,000,000
Speed: Days to weeks

A business term loan is a lump sum borrowed from a lender and paid back over time with interest. Repayment schedules can be short or long term depending on your needs and qualifications.

This tends to fit when

You have a specific project with a known cost
You want predictable, fixed payments
The investment pays back over months or years

Ask about term business loan

Equipment Finance

Finance the machine instead of draining the account.

Typical size: Based on equipment value
Speed: Days to weeks

Funding secured by the equipment itself, which often means easier qualification than an unsecured loan. Covers vehicles, machinery, kitchen build-outs and technology.

This tends to fit when

The purchase is a specific, identifiable asset
You would rather preserve cash reserves
The equipment starts earning immediately

Ask about equipment finance

Line of Credit

Draw what you need, pay for what you use.

Typical size: $10,000 – $250,000
Speed: Days to weeks

A revolving facility you can draw against repeatedly. Useful when the need is recurring or unpredictable rather than a single lump sum.

This tends to fit when

Cash needs are seasonal or hard to predict
You want funds available before you need them
You only want to pay interest on what you draw

Ask about line of credit

Not sure yet

Describe the situation and we will work out the options.

Typical size: —
Speed: —

Most owners do not arrive knowing which product they want, and the right answer is often not the one they expected. Tell us what the money is for and we will come back with what you actually qualify for.

This tends to fit when

You know the amount but not the instrument
You have been declined and do not know why
You want to compare options before committing

Ask about not sure yet

Amounts and timelines shown above are indicative of what is generally available in the market and are not an offer, quote or guarantee. LoansOrigination.com is not a lender. What you are offered, if anything, is determined by the funding provider based on their own underwriting of your business.

Not sure which one you need?

That is the most common starting point. Describe the situation and we will tell you which of these actually applies.

Start your inquiry Call (469) 407-0619