Owens Capital
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FINANCING BASICS

Understanding Business Financing Options

The appropriate financing structure depends on the purpose of the capital, required timing, expected repayment source, and the financial profile of the business.

01

Longer-term investments

SBA and term financing may be considered for acquisitions, expansion, equipment, or real estate.

02

Flexible operating needs

Lines of credit and working-capital structures can help with recurring or short-term cash needs.

03

Asset purchases

Equipment and commercial real estate financing can align the financing with the asset being acquired.

04

Receivables timing

Invoice financing may help eligible B2B businesses convert unpaid invoices into near-term liquidity.

KEY TAKEAWAY

Start with the purpose of the capital. Product names come second.