General
How do I finance a business?
Short Answer
Match the financing product to your use of funds and timeline. Acquisitions and CRE use SBA 7(a). Speed plays use bridge. Cash flow gaps use working capital. Equipment uses equipment financing. Growth refinances use term loans.
Detail
Financing a business is a product-selection decision, not a generic 'get a loan' decision. For acquisitions, partner buyouts, and owner-occupied real estate: SBA 7(a) is almost always cheapest. For time-sensitive deals: bridge. For working capital gaps: revolving working capital. For equipment: equipment financing (collateralized by the asset). For refinancing high-cost debt or funding growth with predictable payments: term loans. Inflection Financing offers all six products on a single bank-direct platform, so a single application can be matched to the right product without re-applying.
Key facts
- Acquisitions / CRE → SBA 7(a)
- Speed plays → bridge (12 hours)
- Cash flow gaps → working capital
- Equipment purchases → equipment financing (up to 100% LTV)
- Refinance / growth → term loan
Related answers
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