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Quickly find business finance information and resources for non-bank lenders as well as leasing and commercial finance companies. Review our listings for links to commercial lenders and corporate finance services.
Get the Capital You Need to Start or Expand Your Business
We can offer you business lines of credit from $300,000 to $5,000,000 in less time without risking your personal assets, collateral, or equity.
www.CorporateBizCredit.com
Business Finance to Grow Your B2B Business
Do You Qualify? No Real Estate/Construction, No Mortgage, No Startup. B2B Only-No Consumer Sales. $1 Million in Annual B2B Sales in USA is Required.
SmallBusinessFinancingSite.com
Business Cash Advance - Business Finance
Apply online for a business cash advance. Finance your business without the hassles of a traditional business loan. Visa/MC Sales Required.
Apply Now | How It Works
RapidAdvance.com
ING DIRECT: Business Savings Account Official Site
Earn 3.15% APY for your business. Savings with no fees + no minimums. Grow your money while you grow your business. Apply online.
Apply Online
business.ingdirect.com
Small Business Finance Specialist
Banks say no, we say yes. If you have been in business 9 months & accept credit cards, call us today. We are a direct funder - no games straight talk!
Get a Quote | Contact Us
www.merchantcapitalsource.com
Compare Price Quotes for Business Finance
Easily Compare Prices & Save! Visit Now to Find the Best Deal!
Free Price Quotes | Start Request Now
BusinessFinance.BuyerZone.com
Small Business Line of Credit From Swift Financial
Up to $100,000 unsecured credit and a rate as low as Prime + 0%. Fast decision. Easy online application. Exclusively for those with excellent credit.
Business Checking | Business Savings | Line of Credit
SwiftFinancial.com/Small_Business
Business Finance For Businesses Over 1 Year Old
Need Business Credit? Save 50% In Interest Over Other Cash Advance Agencies On A Loan Up To $150k When You Process $3,000/Month In Visa/MC.
Apply Now | Up to $150K
www.ForwardLine.com
Business Finance
Up To $150,000! VC/MC Processing Required. Must accept CC's.
www.americancapitaladvance.com
Business Finance
Credit insurance from Euler Hermes ACI allows for expanded sales while protecting against domestic and overseas customer insolvency and non-payment.
Products | Services | FAQ | Contact Us
www.eulerhermes.com
Schwab Institutional:Serving Independent Investment Advisors
Powerful solutions to help you serve your clients, manage your clients’ assets and grow your investment advisory business. Talk to us.
www.schwabinstitutional.com
Daily Business News
Get the latest financial, sports, entertainment and breaking news 24/7. Sign up for our free daily newsletter today.
Businesshax.com
A/R Working Capital/Loans
Working Capital & Lines of Credit. Prompt, Professional & Reliable.
Work-Out Loan | Invoice Financing
www.FirstCapital.com
Energy Investing
Invests in and finances the global energy sector, providing equity, debt, leases, project finance, partnerships and commercial financing.
www.geenergyfinancialservices.com
Business Credit Cards
Provides comparison of Business credit cards as well as links to online credit card applications with 0% APRs, Cash Back, and Rewards Programs.
0% Cards | Reward Cards | Airline Cards | Business Cards
www.creditcards.com/
Business Cash Advance - Business Finance
Business Cash Advance of up to $200,000 on Visa/MC sales. 1+ Yr in Business. $2,500+ in Visa/MC Charges. No Credit Check.
Apply Now | Cash Advance | Small Biz Loan
www.AmeriValue.com
Business Financing at SmallBusinessLoans.com - No Startups
$10,000 to $300,000 in unsecured business loans and MC/Visa retailer loans. Fill out our online application today.
Get Money Fast
www.SmallBusinessLoans.com
Unsecured Business Loan Expert
$10K-$100K. Reward your good credit. Get approved now with no collateral needed.
www.AmOne.com
Compare Business Finance Quotes - AllOptions.com
Good credit program. Submit one request to compare costs, options and rates for business loan from multiple lenders. Free, no obligation.
www.AllOptions.com
Business Finance Loans
A business cash advance is a great alternative to business finance. Get $250K for any small business. Must process $2500/month in VISA/MC sales
www.fastupfront.com
Business Financing
Growth Financing for the Middle Market. Contact Us Today!
www.CapitalSource.com
Crestline Home Loans
Guaranteed Lowest Rates. Fast Quotes and Pre-Approval Online.
ApplyNow.CrestlineFunding.com
$5000- Cash Loan Today
No Faxing. No Credit Check. Very Fast Approval. Apply Now.
cash.kidern.com
Listings
A/R Working Capital/Loans
Working Capital & Lines of Credit. Prompt, Professional & Reliable.
Work-Out Loan | Invoice Financing
www.FirstCapital.com (Paid)
Business Cash Advance - Business Finance
Business Cash Advance of up to $200,000 on Visa/MC sales. 1+ Yr in Business. $2,500+ in Visa/MC Charges. No Credit Check.
Apply Now | Cash Advance | Small Biz Loan
www.AmeriValue.com (Paid)
Business Cash Advance - Business Finance
Apply online for a business cash advance. Finance your business without the hassles of a traditional business loan. Visa/MC Sales Required.
Apply Now | How It Works
RapidAdvance.com (Paid)
Business Credit Cards
Provides comparison of Business credit cards as well as links to online credit card applications with 0% APRs, Cash Back, and Rewards Programs.
0% Cards | Reward Cards | Airline Cards | Business Cards
www.creditcards.com/ (Paid)
Business Finance
Up To $150,000! VC/MC Processing Required. Must accept CC's.
www.americancapitaladvance.com (Paid)
Business Finance
Credit insurance from Euler Hermes ACI allows for expanded sales while protecting against domestic and overseas customer insolvency and non-payment.
Products | Services | FAQ | Contact Us
www.eulerhermes.com (Paid)
Business Finance For Businesses Over 1 Year Old
Need Business Credit? Save 50% In Interest Over Other Cash Advance Agencies On A Loan Up To $150k When You Process $3,000/Month In Visa/MC.
Apply Now | Up to $150K
www.ForwardLine.com (Paid)
Business Finance Loans
A business cash advance is a great alternative to business finance. Get $250K for any small business. Must process $2500/month in VISA/MC sales
www.fastupfront.com (Paid)
Business Finance to Grow Your B2B Business
Do You Qualify? No Real Estate/Construction, No Mortgage, No Startup. B2B Only-No Consumer Sales. $1 Million in Annual B2B Sales in USA is Required.
SmallBusinessFinancingSite.com (Paid)
Business Financing at SmallBusinessLoans.com - No Startups
$10,000 to $300,000 in unsecured business loans and MC/Visa retailer loans. Fill out our online application today.
Get Money Fast
www.SmallBusinessLoans.com (Paid)
Business Loans
Flexible loan structures for your business banking needs. Choose a commercial loan with fixed or variable rates and durations to fund your expansion.
www.irwinunion.com(Paid)
Business Loans Acquisition Financing
Provides business and corporate loans, acquisition financing, commercial lending, structured finance, recapitalizations and leveraged lines of credit.
www.1-business-loans-acquisition-financing-business-loans.com(Paid)
Capital Finance and Funding
Provides the best possible information on business finance, development or bridging. All without the need to pay a broker.
www.diyfunding.co.uk(Paid)
Carlisle Leasing International
Full-service provider of new and pre-owned refrigerated containers and reefer management services for customers around the world. Offers operating and finance leases.
www.carlisleleasing.com
Compare Business Finance Quotes - AllOptions.com
Good credit program. Submit one request to compare costs, options and rates for business loan from multiple lenders. Free, no obligation.
www.AllOptions.com (Paid)
Compare Price Quotes for Business Finance
Easily Compare Prices & Save! Visit Now to Find the Best Deal!
Free Price Quotes | Start Request Now
BusinessFinance.BuyerZone.com (Paid)
Daily Business News
Get the latest financial, sports, entertainment and breaking news 24/7. Sign up for our free daily newsletter today.
Businesshax.com (Paid)
Direct-Issue
Business finance specialists in stocks, shares and corporate bonds. Provides financial services for investment banks, stock brokers, institutional investors and traders.
capital markets | fund managers | bankers | treasurers
www.direct-issue.com(Paid)
eCredit.com
Provides real-time credit, financing and related services for e-business through the eCredit.com Global Financing Network.
www.ecredit.com
Energy Investing
Invests in and finances the global energy sector, providing equity, debt, leases, project finance, partnerships and commercial financing.
www.geenergyfinancialservices.com (Paid)
Franchise.com
Worldwide provider of information on franchises, loans and real estate. Franchise listings are searchable by country, region and state.
Find A Franchise | Company Info | Site Map | About Franchising
www.franchise.com(Paid)
GE Capital Commercial Finance
Global provider of lines of credit, term debt, factoring, asset securitization, plan of reorganizations and acquisition financing.
www.gecommercialfinance.com
GE Capital Commercial Finance Europe
Provider of flexible, tailored funding solutions for businesses.
www.gecapitalfinance.com
GE Capital Commercial Finance: Germany
Provider of equipment financing and leasing in Germany.
www.cefcorp.com
GE Capital Structured Finance Group
Provider of financial solutions through major equity, debt and structured finance investments, including sophisticated partnership, lease and tax-advantaged products.
www.gestructuredfinance.com
GE CFO Solutions
Provides senior financial decision-makers with access to GE Capital's financing capabilities and tools, relevant information and news that help grow a business.
www.gecfosolutions.com
Get the Capital You Need to Start or Expand Your Business
We can offer you business lines of credit from $300,000 to $5,000,000 in less time without risking your personal assets, collateral, or equity.
www.CorporateBizCredit.com (Paid)
GMAC Financial Services
Offers business-to-business lending based on asset-based lending and factoring. Composed of GMAC Commercial Credit and GMAC Business Credit.
www.gmacfs.com
IBM Global Financing
Captive finance company for International Business Machines.
www-7.ibm.com
ING DIRECT Business Savings Account
Save money for your business with a high yield business savings account.
business.ingdirect.com(Paid)
ING DIRECT: Business Savings Account Official Site
Earn 3.15% APY for your business. Savings with no fees + no minimums. Grow your money while you grow your business. Apply online.
Apply Online
business.ingdirect.com (Paid)
ING Group
Based in the Netherlands, parent for a large number of financial services companies, including: Nationale-Nederlanden, Postbank, ING Bank and ING Barings.
www.inggroup.com
LeaseExchange
Competitive marketplace for leasing.
www.leaseexchange.com
LoanTrade Inc.
Broker of performing and non-performing portfolios of consumer loans and receivables.
www.loantrade.com
Mellon Leasing Corp.
Diversified bank leasing company. Lease financing solutions are delivered through four specialized groups.
www.mellon.com
New Zealand Finance and Investment Company
Marac Finance is a leading New Zealand investment company providing both business and personal loans. Standard & Poors Investment Grade Rating.
www.marac.co.nz(Paid)
Schwab Institutional:Serving Independent Investment Advisors
Powerful solutions to help you serve your clients, manage your clients’ assets and grow your investment advisory business. Talk to us.
www.schwabinstitutional.com (Paid)
Small Business Finance Specialist
Banks say no, we say yes. If you have been in business 9 months & accept credit cards, call us today. We are a direct funder - no games straight talk!
Get a Quote | Contact Us
www.merchantcapitalsource.com (Paid)
Small Business Line of Credit From Swift Financial
Up to $100,000 unsecured credit and a rate as low as Prime + 0%. Fast decision. Easy online application. Exclusively for those with excellent credit.
Business Checking | Business Savings | Line of Credit
SwiftFinancial.com/Small_Business (Paid)
Textron Financial Corporation
Diversified commercial financial services company. Has 17 divisions to service a wide variety of businesses and indutries.
www.tfc.textron.com
Trinity Capital Corporation
Independent, nationwide company whose sole business is equipment financing and lease management. Provides back office services to lenders on a fee basis.
www.trinitycapital.com
United Capital Funding
Provider of working capital for businesses to handle new projects and large orders.
ucfunding.com(Paid)
Unsecured Business Loan Expert
$10K-$100K. Reward your good credit. Get approved now with no collateral needed.
www.AmOne.com (Paid)
US Bancorp Leasing & Financial
Bank affiliated industrial finance company. . Transactions range in size from $15,000 to $50,000,000 and products range from traditional loans to a variety of lease oriented financing.
www.usbank.com
Westdeutsche Landesbank Global Specialised Finance
Provider of structured commercial finance products and services, including tax-advantaged leases and export financing.
gsf.westlb.com
  • Advance Synergy Bhd
  • Baycorp (NZ) Ltd.
  • Comdisco, Inc.
  • DONGBU SECURITIES CO., LTD.
  • Factofinans Alacak Alimi A.S.
  • Finantra Capital
  • Firstcity Financial Corporation
  • Garanti Factoring Hizmetleri A.s.
  • Hong Leong Finance Limited
  • Housing Development Finance Corporation Limited
  • Icici Limited
  • International Factors (singapore) Limited
  • Keppel Tatlee Finance Limited
  • National Development Leasing Corp. Ltd
  • Private & Commercial Finance Group Plc
  • Siam General Factoring Public Company Limited
  • Vakif Finansal Kiralama A.s.
  • Vickers Capital Limited
  • WINTON HOLDINGS (BERMUDA) LIMITED
Business Financing
Growth Financing for the Middle Market. Contact Us Today!
www.CapitalSource.com
Crestline Home Loans
Guaranteed Lowest Rates. Fast Quotes and Pre-Approval Online.
ApplyNow.CrestlineFunding.com
$5000- Cash Loan Today
No Faxing. No Credit Check. Very Fast Approval. Apply Now.
cash.kidern.com

Guide to Financing Your Business

Discover sources for capital funding to get your start-up off the ground


Your business success depends on your ability to secure adequate financing. Being under funded is one of the most common reasons a start-up venture fails. Knowing where to look for funding is the first step to accessing capital; being prepared to convince investors to fund your business is the next. Before starting your search, consider:
  1. How much money you need.
  2. How you'll spend the money.
  3. How you plan to repay the loan.


Action Steps

The best contacts and resources to help you get it done

Take stock of your personal finances The primary source for funding a new venture is personal finances. However, many experts say this method is the riskiest financing option. The reason: you're putting up your own collateral to finance your business. If you take out a second mortgage on your home or use a line of credit, you can wipe out your assets if your business falters. Other options such as credit card loans or tapping into personal savings are equally risky.

I recommend:  Whether you decide to self-finance or seek an outside loan, check that your personal credit history is in tip-top shape with a credit report from Equifax, Experian or Trans Union. Since you don't have a business credit history, suppliers and lenders will base their decisions on your personal credit history.

Be prepared No matter where you turn for capital, you'll need to provide solid documentation that your business concept is sound. Be prepared with a convincing business plan, cash flow projections and personal financial statements and tax returns. With the right materials, you can convince lenders and investors that you'll be able to repay the loan.

I recommend:  Get help writing a business plan with Business Plan Pro software.

Friends and family connections Money that's raised privately can be a boon, because it may be interest free or low interest. However, you should be aware that interest-free gifts may have tax implications. Loan requests should be professionally presented and include detailed financial projections. Avoid the temptation to forego formalities with loved ones. Draft a promissory note when getting a loan from friends or family so that interest payments are clearly detailed. Be prepared that if the business fails, it could damage personal relationships with investors.

I recommend:  Download a promissory note template by clicking on your state at InternetLegalResearchGroup.com or at BusinessNation.com.

Go through banks or credit unions If you can show that your business proposal is strong, you may be able to land a loan from your bank or credit union. These loans are issued in many types, with varying interest rates and maturity dates. Most are secured against hard assets, such as real estate or equipment.

I recommend:  Before heading to a bank, visit your local Small Business Development Center. They can offer advice on how to make your presentation to bankers and direct you to banks that are start-up friendly.

Look for angel investors Angel investors are individuals or groups that provide capital for business start-ups, often in exchange for ownership equity. More money is invested annually through angel investments than through venture capital financing.

I recommend:  Find a directory of angel investment groups at the Angel Capital Association or send a request to find angel investors at GoBigNetwork.com.

Consider venture capital Venture capitalists fund few start-ups and look to make large investments, typically over $1 million. However, the U.S. Small Business Administration (SBA) licenses and regulates the Small Business Investment Company Program (SBIC), which does make venture capital investments in start-up businesses.

I recommend:  Check into the SBIC program to see if you can take advantage of this option.

Apply for an SBA loan Nike and Apple Computer got their start with SBA equity loans. The money doesn't actually come from the SBA; it comes from participating banks. The SBA simply guarantees the loan, which helps budding entrepreneurs who might not normally qualify for a loan.

I recommend:  Find out if there's an SBA loan that's right for your new venture.

Tips & Tactics

Helpful advice for making the most of this Guide
  • Assess the creditworthiness or investment potential of your business concept before seeking funding.
  • There's no silver bullet remedy for landing financing. So don't limit yourself by trying to force the wrong fit.
  • Have a sense of your strongest assets when pitching potential investors or banks.
  • Don't seek investors through classified ads.
  • Your financing should align snugly with your business plan.


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How-To Guide from WORK.COM

Guide author
By Constance Gustke
Discover sources for capital funding to get your start-up off the ground.
Your business success depends on your ability to secure adequate financing. Being under funded is one of the most common reasons a start-up venture fails. Knowing where to look for funding is the first step to accessing capital; being prepared to ... Read more

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