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.

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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.

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Find out what you qualify for before you need it.

Submit an Application2 minutes · no obligation

Buying, expanding, opening

Buying a forklift

Opening a second salon

Nail salon, mostly cash

Adding a laser to a med spa

Financing gym equipment

Q4 inventory, ordered in October

Adding a second truck

Second lift, alignment machine

Opening a second restaurant

Liquor store stock-up

Daycare with a waitlist

New operatory or CBCT

Big PO, new machine

Buying out a partner

Hiring before the contract pays

HVAC pre-season buy

Moving to a bigger space

Buying a competitor's assets

Scaling ad spend

Adding snow to the business

From booth rent to your own salon

Big-box account, net-90

Holiday stock for a store

Opening a franchise

Bulk discount, borrowed money

Bonding capacity

Find out what you qualify for before you need it.