CAPITAL GROUNDWORK
A Guide to Small Business Funding
Business funding is not one product. A term loan, line of credit, equipment financing arrangement, and SBA-backed loan can solve very different problems. Start with what the business needs, then compare structures.
FREE CHECKLIST
Thinking about business funding?
Organize your funding goal, financial information, documents, credit considerations, and questions before you compare financing.
Get the Funding Readiness ChecklistStart with the use of funds
Common needs include working capital, inventory, equipment, expansion, hiring, marketing, real estate, refinancing, and managing cash-flow timing.
Term loans and lines of credit
A term loan generally provides a defined amount repaid over an agreed period. A line of credit is generally structured around a credit limit that can be drawn according to the agreement.
What should you compare?
Compare purpose, amount, cost, fees, repayment frequency, term, flexibility, security, personal guarantees, timing, and eligibility—not just the advertised payment.
Ready to explore?
If you have reviewed your needs and are ready to investigate potential financing, continue to our funding page. Capital Groundwork is not a lender and does not make credit or underwriting decisions.