Guides
Buying, expanding, opening
A forklift, a second truck, a second location, a laser. What an underwriter wants to see first, why the asset gets the cheap money and the ramp gets the expensive money, and how to split them.
One application, every lender we work with
Find out what you qualify for.
Eleven questions, about two minutes. The lenders who fund your industry and your state see it; you compare their offers and take one, or none.
Submit an application- Won't affect your credit
- Free, no obligation
- Up to $500K
26 guides
Buying a forklift
The forklift secures the loan. That is why a year in business and a 600 score is enough.
Opening a second salon
The first salon's deposits are the application. Split the buildout from the chairs.
Nail salon, mostly cash
A funder can only lend on money that reached the bank. Cash in the drawer is invisible.
Adding a laser to a med spa
The device secures the loan. Your medical director and six months of deposits carry the rest.
Financing gym equipment
The bank declined the category. An equipment lender is underwriting the racks.
Q4 inventory, ordered in October
Inventory is not collateral a lender can value. Your payout history is.
Adding a second truck
The truck is the easy part. The driver's first six weeks of pay are the part that sinks people.
Second lift, alignment machine
Both are assets. The install and the lost bay days are not. Two products, two applications.
Opening a second restaurant
The kitchen finances as equipment. The buildout, the license and six months of ramp do not.
Liquor store stock-up
In many states the law sets the payment terms, not the distributor. The funding has to fit that.
Daycare with a waitlist
Licensing, buildout and staff all come before the first new tuition check. Budget the order.
New operatory or CBCT
Practices are the easiest equipment file there is. The mistake is funding the ramp from collections.
Big PO, new machine
The machine over five years, the aluminum over ninety days. One application for each.
Buying out a partner
Most buyouts are seller financing plus a bank. Fast money has a narrow, honest role here.
Hiring before the contract pays
Three salaries for two months is a known number with a dated repayment. That is a term loan.
HVAC pre-season buy
Distributor terms first, working capital second, a line set up in August for next year.
Moving to a bigger space
Ask the landlord for the buildout money first. Fund the overlap and the closed week second.
Buying a competitor's assets
The equipment finances as equipment. The list is paid for with seller financing and deposits.
Scaling ad spend
Ad spend is the one cost that is not an asset and pays back in days. Match the money to that.
Adding snow to the business
The plow is equipment. The salt pile and the first push before contracts pay are not.
From booth rent to your own salon
Working capital needs six months of deposits you do not have yet. Equipment and the landlord do not.
Big-box account, net-90
The retailer is borrowing your cash interest-free. Price that into the deal, then fund the gap deliberately.
Holiday stock for a store
Apply in August on summer statements. A September application reads the same store smaller.
Opening a franchise
The SBA and the franchisor's lenders fund the opening. Fast money has one honest job: the ramp.
Bulk discount, borrowed money
Do the arithmetic in dollars over the months the stock takes to sell. Sometimes yes. Often no.
Bonding capacity
Sureties size a single job at roughly ten times adjusted working capital. A bank line helps. A cash advance hurts.
Other guides
- If you need money this week
- Something broke
- Whether you'll qualify
- What it costs
- The best options, compared
- If you already have an advance
- Applying without getting burned
- Merchant cash advances, explained
- Working capital, explained
- Equipment financing, explained
- Lines of credit, explained
- Difficult situations
- Why banks decline, by industry
One application, every lender we work with
Find out what you qualify for before you need it.
Eleven questions, about two minutes. You see offers side by side and take one, or none.
- Won't affect your credit
- Free, no obligation
- Decisions usually inside 24 hours
- Up to $500K