How funding is set up
Structure means how funding is set up. You might get one payment, borrow and repay as needed, borrow against property, or sell an unpaid customer bill. The setup shapes the cost, payments, what backs the funding, and the risks.
What structure means
Two funding offers for the same amount can work very differently. A term loan gives you a set amount to repay on a schedule. A line of credit lets you borrow and repay again and again, up to a limit. Equipment financing funds a specific piece of equipment. Invoice financing gives you cash based on money customers already owe you.
We explain how funding works before we discuss its price. The right setup can help your business over the next 12 to 24 months. The wrong one can hurt it.
How structure affects your funding
- Whether you get all the money at once or borrow it over time
- What you owe the lender and what it can claim: a business debt, specific property, or an unpaid customer bill
- How the funding fits with your current debts and available cash
- What you can change if your needs change before you finish repaying
Questions to ask a funding partner
- — Do I need all the money today, or will I borrow it over time?
- — Should this funding be tied to specific property or an unpaid customer bill?
- — How does this funding fit with my current debt or merchant advances?
Funding is subject to approval and not all applicants will qualify. Terms, structures, and availability are determined by the funding partner.
Other funding concepts
Repayment
How and when you pay the money back: daily, weekly, monthly, or when customers pay. Learn how this affects your available cash.
Learn moreUnderwriting
What the funding partner checks: income, time in business, credit, property to back the funding, and your customers' ability to pay.
Learn moreVariants
The different forms of each type of funding, and why two partners may set them up very differently.
Learn moreTalk about your options with an advisor
We will explain how funding works, how payments work, and what partners review. No obligation.