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Página principalSmall businesses have several financing choices in addition to traditional bank financing that may help maintain a steady, positive cash flow.
Here are a few options that you might want to consider.
Sellers of big-ticket items like real estate, large equipment, or vehicles might offer financing directly to the buyer. These sellers sometimes offer sales incentives as part of their financing deals, such as 0% interest for a specified period of time or lower sticker prices.
This is a way to get the money from your business’s accounts receivable earlier by selling the invoice to a bank or a finance company in exchange for a percentage of the invoice amount (the factor will generally take a percentage or fee, resulting in your business receiving an amount lower than the face value of the invoices). This can be an option if your business is in need of immediate cash flow.
You can get just about anything online, including loans. Peer-to-peer (P2P) lending is an example in which online "platforms" connect businesses with investors willing to buy or invest in the loan.
The most common form used for financing. There are various kinds of loans which can be short or long-term depending on the purpose.
It can be difficult for a new small business to obtain financing when first starting out, so many small business owners use personal funds, personal credit cards, home equity, or personal lines of credit in order to get established.
Nonprofits dedicated to helping small businesses provide small loans and grants, usually backed by donations or government funds.
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Information and views provided are general in nature and are not legal, tax, or investment advice. Wells Fargo makes no warranties as to accuracy or completeness of information, including but not limited to information provided by third parties; does not endorse any non-Wells Fargo companies, products, or services described here; and takes no liability for your use of this information. Information and suggestions regarding business risk management and safeguards do not necessarily represent Wells Fargo’s business practices or experience. Please contact your own legal, tax, or financial advisors regarding your specific business needs before taking any action based upon this information.
All credit decisions are subject to approval. For SBA loan products, SBA eligibility is also required.
LRC-1221