Every business needs capital to survive and thrive. But with so many options available, it can be hard to know which is right for you. Whether you're a startup looking for seed money or an established enterprise ready to expand, understanding your financing options is crucial.
At Nexa Capital Solutions LLC, we've helped countless businesses secure the funding they need. Here are the top 10 financing options available to small businesses today.
1. SBA Loans
The gold standard for small business financing. Government-backed loans with low rates and long terms (up to 25 years). Ideal for major purchases, debt consolidation, or working capital.
2. Business Line of Credit
Similar to a credit card, a line of credit gives you access to a set amount of funds you can draw from as needed. You only pay interest on what you use, making it perfect for managing cash flow fluctuations.
3. Equipment Financing
Use the equipment itself as collateral to secure a loan. This often allows for 100% financing, meaning no down payment is required. Great for purchasing machinery, vehicles, or technology.
4. Marketing & SEO Services
Digital marketing strategies to drive revenue growth. While not a direct loan, investing in SEO and lead generation is often the most effective way to solve cash flow problems by increasing sales.
5. Invoice Factoring
Sell your outstanding invoices to a factoring company for immediate cash. This is a great way to unlock cash tied up in receivables without taking on debt.
6. Commercial Real Estate Loans
Financing for purchasing, refinancing, or developing commercial property. These loans offer long terms and competitive rates, secured by the property itself.
7. Term Loans
A traditional lump-sum loan with a fixed repayment schedule. These are best for specific, one-time investments where you know exactly how much you need.
8. Business Credit Cards
An essential tool for separating personal and business expenses. Many cards offer rewards, cash back, and 0% introductory APR periods.
9. Crowdfunding
Raising small amounts of money from a large number of people, typically via the internet. This is a popular option for startups launching a new product.
10. Angel Investors & Venture Capital
Selling equity in your company to investors in exchange for capital. This is typically reserved for high-growth startups with significant scaling potential.
Which option is right for you?
Our team at Nexa Capital Solutions LLC can help you navigate these choices and find the perfect fit.
Get A Free ConsultationBased in Los Angeles but serving businesses across the US and Canada, Nexa Capital Solutions LLC is your partner in growth. Contact us today to explore your financing options.