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Businesses in need of capital have two choices: leverage existing equity or take on strategic debt. Most companies find it necessary to balance utilizing both. Business financing represents the debt side of raising capital – borrowing money from traditional or nontraditional lenders. This is a diverse field with many different debt instruments in play, some designed for specific purposes and others offering more generalized terms. It’s worth familiarizing yourself with some of the most common forms of business financing before deciding which best fits your specific goals and circumstances.

Startup Loans – Some small businesses begin in your garage or home office, but others require facilities, equipment, offices, or employees. A startup loan is designed to get your business off the ground without relying on investors or friends and family. They come in many shapes and forms, and qualifying can be difficult. Lenders will look at your personal credit score and credit history, and most will expect a copy of your business plan and other documentation that you’ve thought this through and have some reason to believe you can make enough to pay back the loan. If they’re still unconvinced, they may expect collateral or ask for co-signers.

Term Loans – These are your most basic sorts of loans. You request a specific amount of money and if you’re approved, the lender proposes a specific interest rate based on your credit history. If you reach an agreement, term loans are most commonly repaid monthly in predictable amounts and with an established payoff date. Term loans can be difficult to qualify for unless your business is well-established, but they offer substantial flexibility in terms of how the money can be spent.

Equipment Loans – Restaurants, manufacturers, hotels, construction – many businesses depend heavily on equipment to serve their customers. No matter how you amortize it, this equipment often requires a substantial investment which can be difficult to pay out of pocket. Equipment financing offers specific loans to buy equipment to help companies buy, expand, or replace their key operational assets. It’s easier to qualify for than some other forms of financing because the equipment acts as natural collateral for the loan. It’s less versatile because the funds must be used for the specific equipment identified in the loan application

Line of Credit Loans – These operate somewhat like a credit card. Your business is approved for a maximum amount at an agreed-upon interest rate, but you don’t receive the money in a lump sum. Instead, you take out or spend what you need, when you need it, up to your preset limit. Repayment is flexible as well, requiring only that you pay the interest on the amount currently withdrawn. Once you’ve repaid part or all of the loan, the money is available to you again on the same terms. A line of credit can be one of the most flexible financial tools for any small business.

Merchant Cash Advance (MCA) – This form of financing allows a small business to leverage its future revenue in order to secure funding immediately. An MCA is most often used when a company is confronting a critical cash shortage or other difficulties – especially if they don’t have access to more traditional business loans. Approval traditionally requires that the business has a reliable stream of daily income via credit card purchases, like that of restaurants, doctor’s offices, retail shops, etc. It is relatively easy for businesses with reliable income of this sort to get approved for MCA, since it relies primarily on the business’s income stream rather than its credit history. MCAs have a higher cost of use than other options, but offer great flexibility.

Accounts Receivable Financing (Factoring) – This is similar to MCA, but instead of relying on credit card receipts or daily revenue, the factor (similar to a lender) purchases outstanding invoices from the company seeking funds. The factor buys these accounts receivable at a discount and takes on the responsibility for collecting on them. In exchange, the business receives a portion of what’s owed to them immediately.

Every loan described here has endless variations depending on the lender and what you’re able to negotiate. There are also other, less common loan structures available, especially from some of the more innovative business loan companies you can find online. As with so many things, you can’t fully know for certain until you ask.

Common Uses for Business Financing

Every business is different, but there are several common reasons small businesses seek financing.

Expansion – New businesses tend to start small. As they establish themselves and gain traction, many choose to expand. This can mean higher production, more employees, and hopefully more customers. Growing means higher profits, but quite often growth is expensive NOW and profitable LATER. The right business loan can make your growth possible and practical without requiring you to pay for it all in advance.

Inventory & Supplies – Most businesses either sell stuff or use stuff as part of what they do. Even a successful small business experiences natural ebbs and flows, and some are particularly seasonal. You can’t always wait until business picks up to prepare for business to pick up – and that means finding the right loan to provide for the essentials in the meantime.

Equipment – Whether you manufacture goods or offer services, chances are you need some form of machinery or technology to do so productively. From reliable computers and phones to full-scale factories, equipment is as essential as it is expensive. You can’t afford to pay for it until your business is operating at full speed, but you can’t get up to speed until you have the equipment. Once again, the right small business loan lets you get what you need now and pay for it once it starts serving its purpose.

Working Capital – Sometimes it makes more sense for a business to keep its savings in savings and use a modest funding loan to pay for daily operating expenses. As the business grows, it can repay the loan while re-investing in itself as well.

Building Credit – While you never want to borrow just to borrow, financing small purchases or other parts of your business can help you establish a stronger business credit history. As you grow and have greater needs over the years, your ongoing relationship with particular lenders and your improved business credit history means more options when you business loan shop and better terms when you do.

Documentation and Preparation

Before you begin your small business loan shopping, there are things you can do to be prepared. You may not be asked for everything listed here, but there’s little harm in being ready. Besides making each discussion more efficient, it helps you present yourself as someone reliable and well-versed in the logistics of small business financing. You never know when that might be the nudge that pushes an undecided lender into the “yes” column.

Most lenders will want a fairly thorough picture of your business finances, and may request your personal financial history as well. Be prepared to provide tax returns, bank statements, profit and loss statements, cash flow documentation, and so forth. Have a copy of your business plan available as well, along with any other research or documentation you’ve no doubt done already as part of starting and growing your business.

If your business has a limited credit history, you should consider in advance whether or not you’re willing to take out a personal loan to meet the needs of your small business, or whether or not you have personal property which could act as collateral for a small business loan. These are questions only you can answer, and what’s right for one person may be a horrible idea for another.

Finally, you should be prepared to explain precisely how much money you’re requesting and how it will be used – the more specific, the better. This is not technically required for many types of loans, but it may prove helpful if undecided lenders are evaluating the wisdom of your request. Modest small business cash loans probably don’t require such detail, but a longer term loan certainly will, and for a start-up loan it’s absolutely essential.

Remember, none of the process is personal. They’re not evaluating you as a person; they’re trying to figure out whether or not you’re a good credit risk. Everything you can do to demonstrate that you’re prepared, profitable, and level-headed is another checkmark in your favor.

Loanry® is here to help you get your Business Financed


Why Loanry?

There’s nothing easy about running your own business. That doesn’t mean, however, that every step along the way has to stay so complicated.

At Loanry, we believe in simplifying personal and small business finance. We’re not interested in telling you what to do; we believe that providing you with enough accurate information, online tools, and access to reliable lenders, makes it easier for you to decide what you wish to do. Yes, you can skip all of the background and simply submit a short, easy form letting us know who you are and what you need. We analyze that information in relation to our curated database of reliable online lenders, and help you fine one that may fit your problem. If you start now, you might even be approved and have money in your account by this time tomorrow – all without changing your clothes or even leaving the house if you prefer. You can reach us and do everything you need to do from any connected device, at any time of day, whenever you’re ready.

If you prefer to educate yourself a bit more, we can help you with that as well. Our informational articles are tagged and organized by topic, and posted to the member site of the Goalry family where they’re most likely to be of use. It’s all free, it’s all transparent, and it’s all 24/7.

Isn’t life (not to mention business) hard enough without having to figure everything out on your own?


Entrepreneurship isn’t all about the money, but the money always matters. It’s an inherent part of risk and reward – and that’s what smalls business is all about. There’s no single answer to finding the right balance between taking financial chances and being practical about your financial future. There’s a time to press through difficulty and a time to recognize that something simply isn’t working and you need to re-evaluate. Entrepreneurs are different from everyone else. They take those risks and make those decisions. Collectively, they’re a foundational part of the American economy; individually, a number of them will fail – some more than once.

Finding the right online business line of credit lender is probably not the make-it-or-break-it moment for your business, but it IS one of the dozens of smaller decisions you make every week which collectively add up to “make it” or allow you to “break it.” Managing your own business is hard; it’s OK not to make some parts harder than they need to be.

With that in mind, we’re here when you’re ready.


Running your own business requires endless time, energy, and focus. You become an expert in your field and sometimes catch yourself explaining it to anyone who’ll listen – and maybe even to those who don’t. We’re the same way. We love talking about personal and small business finances, and we gladly share what we know from years of both research and first-hand experience with anyone who might benefit.

We’ve built a “content mall” of related sites, each devoted to different aspects of your personal or small business finances. Read up on how to best prepare for tax season or ways to save enough on your utility bills to pay down your high-interest credit cards faster than you thought possible. Use our online tools to compare loan options or estimate interest. Learn how to create an effective household budget or watch a brief video outlining the different types of small business loans. Whatever you need to know, there’s a good chance it’s covered in plain, simple English and freely accessible from wherever you like, whenever you like, in one of our thousands of informational blog entries or our hundreds of videos.

As our “content mall” expands, we hope you’ll visit,,,,,,, and – and of course you may utilize as often as you wish. The focus of each is different, but the goal of everything in the family is the same – to help you take better control of your financial world by offering a central location for information, comparisons, and connections.


Did You Hear?

"If opportunity doesn't know, build a door."

Milton Berle

Educate Yourself

Sizing Up Small Business Financing

One of the biggest obstacles to success for many business owners is the need for capital. Your business has a chance to invest, or you have expenses to cover during slow periods. Maybe you’re just starting out and need funding for, well... everything. Available financing is one of the biggest factors in why successful businesses succeed; the lack of it is one of the biggest reasons that failing businesses fail.

Short term business loans make it possible to take advantage of opportunities as they come up for your company. Whether you need to hire labor, purchase equipment, or rent office space or other types of commercial facilities, the right business loan can help you get there.

We’ve provided a concise overview of the merits and potential pitfalls of taking out a small business loan. We’ve highlighted some of the main loan types and the pros and cons of each. Even if you already have a pretty good idea of what you need and how it works, it never hurts to have an outside perspective or a virtual “checklist” to help clarify and guide your thinking as you move forward.

And of course if you do decide to move forward, Loanry is here to make things as painless and efficient as possible.

Explained in 3 easy steps

How all of
this works?

It all starts with a simple loan request that takes a few minutes to complete.

We provide that information, at your request, to participating members who might be able to able to assist you with your financial needs. Many lenders transfer funds to your checking account as soon as the next business day.


Step 1

Start Loan Shopping

Tell us things like who you are and how much money you need.It only takes minutes.

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Step 2

Find Lender

The Loanry® Store may help you find a lender interested in your loan request.

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Step 3

Check out

Funds are deposited directly to your bank account as soon as the next business day.

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Question to Ask Before Financing Your Business

One of the biggest keys to the success or failure of any business is access to funding. Financial flexibility, or the lack thereof, can make or break even the strongest small business. What should you consider before deciding which loan is right for you?

How Will I Use The Money?

It sounds obvious, but too many small business owners don’t have a specific plan for applying for borrowed money – or they don’t follow the plan. Know in advance what you need and how you’ll meet those needs once funding is approved.

What Does This Loan Actually Cost?

Don’t overlook the importance of interest rates, especially on large amounts. Can they change during the life of the loan, or are they fixed? What other fees or set-up charges are there? What are the penalties for late payments? Is there a penalty for paying the loan off early? Reputable lenders will be more than happy to spell these things out ahead of time.

What Am I Willing To Risk?

Some lenders will require collateral or request a co-signer. Others will ask you to personally guarantee a loan for your business. Obviously you have every intention of repaying the loan on time, but part of every small business is risk. Consider in advance what you will and won’t do if asked.

How Will I Repay The Loan?

It’s easy to assume that you’ll figure something out, but the consequences of a business loan are two important to simply hope for the best. Examine your business budget honestly and know in advance how you’ll make those monthly payments, even during downturns or difficult seasons.

What Are My Options?

Get the money you need to book the accommodations that are right for your circumstances. In times of emergencies or perhaps during a relocation, you may need to make special lodging arrangements. Travel financing can provide short-term comfort.

What Are the Possibilities?

The risk matters. The obligations matter. The realities matter. But you’re an entrepreneur. It also matters what’s possible. It also matters what you could accomplish with the right funding. It also matters where you and your business could go. Don’t ignore the rest, but always hold on to the possibilities moving forward.

See FAQs

Find answers to some of the most commonly asked questions here

We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


We are a marketing lead generator and advertising service designed to provide you with quick and convenient access to third-party lenders.


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