The six instruments, and what each one is honestly bad at.

Reference rather than a menu. Which one suits you is the advisory question, and it's the one we'd rather answer with your statements in front of us. They're ordered cheapest first, because that ordering is itself the advice.

SBA loans Government-guaranteed 7(a) and 504 programs. The lowest long-term cost most businesses can reach. Typical amount$50,000 – $5,000,000SpeedTypically 30–90 daysSecured byUsually collateralized
Business HELOC A business-purpose line secured by your home. The cheapest line we place, and it doesn’t touch your first mortgage. Typical amount$25,000 – $750,000SpeedOften 5–10 business daysSecured byHome equity, second lien
Equipment financing Trucks, kitchen lines, medical equipment. The asset is the collateral, so the pricing is sharper and younger businesses qualify. Typical amount$10,000 – $1,000,000SpeedOften 2–7 business daysSecured byThe equipment itself
Term loan A lump sum on a fixed payment. Built for a project with a return you can already estimate. Typical amount$25,000 – $500,000SpeedOften 3–10 business daysSecured byVaries by amount
Business line of credit Capital on standby. Interest accrues on the balance, not on the limit. Typical amount$10,000 – $250,000SpeedOften 1–5 business daysSecured byOften unsecured
Invoice factoring Sell unpaid business invoices and get most of the value now. Your customer's credit carries it, not yours. Typical amount$20,000 – $2,000,000SpeedOften 1–5 business daysSecured byThe invoices

Speed costs money. This is the exchange rate.

The same six, plotted. The diagonal is the trade you're choosing between, and most of an advisor's job is knowing where on it you belong.

Every point links to that instrument. Positions are typical, not offers.

Choosing between them

You can wait a month or three → SBA. The cheapest capital most businesses can get.
You own a home with equity → business HELOC. The cheapest line we place.
You are buying a specific asset → equipment financing. The asset secures it.
A defined project with a defined return → term loan. One predictable payment.
The gap keeps recurring → line of credit. Pay for what you draw.
You invoice businesses on net terms → invoice factoring. Fixes the cause, not the symptom.
You already have an advance running → consolidation. One payment instead of daily debits.

Not sure which one fits?

That is the question we are useful for. Send the file and we will tell you which structure your numbers actually support.

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