Funding Solutions
Small Business Loan
Overview
A Small Business Loan provides businesses with the capital they need to expand operations, purchase equipment, hire staff, or manage cash flow. This financing option offers structured repayment terms and predictable payments to support long-term business growth.
Qualification Criteria
To qualify for a small business loan, businesses typically need:
• At least 6–12 months in business
• Minimum monthly revenue requirements
• A registered business entity
• Basic financial documentation
Requirements may vary depending on the lender and loan amount.
Common Use Cases
Businesses commonly use small business loans for:
• Business expansion
• Purchasing equipment or inventory
• Hiring staff
• Marketing and advertising campaigns
• Managing operational expenses
Working Capital
Overview
Working capital financing provides businesses with fast access to short-term funds needed to manage daily operational expenses such as payroll, inventory, and supplier payments.
Qualification Criteria
Typical requirements include:
• Active business operations
• Consistent monthly revenue
• Minimum business history requirement
• Business bank account
Common Use Cases
Working capital can be used for:
• Payroll and employee expenses
• Inventory purchases
• Cash flow gaps
• Marketing campaigns
• Emergency expenses
Invoice Factoring
Overview
Invoice factoring allows businesses to convert unpaid invoices into immediate cash. Instead of waiting weeks or months for customers to pay, businesses receive funding based on outstanding invoices.
Qualification Criteria
• Business-to-business invoicing model
• Valid unpaid invoices
• Established customer payment history
Common Use Cases
Invoice factoring is commonly used for:
• Improving cash flow
• Paying suppliers faster
• Managing payroll while waiting for payments
Equipment Financing
Overview
Equipment financing helps businesses purchase or upgrade essential equipment without paying the full cost upfront. The equipment itself often serves as collateral.
Qualification Criteria
• Business registration
• Equipment purchase details
• Basic financial records
Common Use Cases
Businesses use equipment financing for:
• Machinery purchases
• Commercial vehicles
• Technology upgrades
• Restaurant kitchen equipment
eCommerce Financing
Overview
eCommerce financing provides online businesses with capital to scale operations, increase inventory, and invest in marketing campaigns.
Qualification Criteria
• Active eCommerce store
• Sales history from online platforms
• Payment processing records
Common Use Cases
• Inventory purchasing
• Digital advertising campaigns
• Warehouse expansion
• Logistics improvements
Business Line of Credit
Overview
A Business Line of Credit gives businesses flexible access to funds they can draw from whenever needed, similar to a credit card but with business-focused terms.
Qualification Criteria
• Established business operations
• Stable revenue history
• Business banking relationship
Common Use Cases
• Managing seasonal cash flow
• Covering short-term expenses
• Inventory purchases
• Emergency funding needs