Financing guides for business owners
Clear answers to the questions owners ask before they apply: what providers review, how costs and payments compare, which financing fits the need, and how it works in your industry. Written by Correia Financial, a business financing brokerage.
48 guides
Start hereCosts & ComparisonsBusiness line of credit vs. term loan: which fits?
Revolving access or one lump sum? Compare repayment, costs, qualification and six common scenarios to see which structure fits your need.
Start hereQualification & CreditBusiness funding with bad credit: what providers actually review
What a lower score changes, what providers weigh beyond it and how to judge the cost of any offer before you sign.
Start hereQualification & CreditBusiness loan requirements: what to prepare before applying
What providers review and which documents to gather for working capital, lines of credit, term loans, equipment, factoring and SBA loans.
Start hereCosts & ComparisonsWorking capital financing: how to compare costs and payments
Compare working capital offers on funds received, total cost, payment schedule and estimated APR, with a two offer calculator.
Start hereQualification & CreditCan you get business funding with an existing loan or cash advance?
How providers weigh existing balances, payments and UCC liens, and how to tell whether more funding fits your cash flow.
Start hereQualification & CreditHow to build business credit and prepare for better funding options
A practical roadmap to build business credit, and how to explore financing while your profile grows.
Start hereFunding OptionsStartup business funding: what can you qualify for?
What determines eligibility for a new business, which options fit your stage and how to prepare before you apply.
Start hereIndustry GuidesHVAC business financing for seasonal demand and equipment
Match service vans, replacement stock and peak season payroll to financing that fits how cash moves through an HVAC year.
Start hereIndustry GuidesRoofing contractor financing for materials and project cash flow
Fund materials and crews before customers pay: deposit limits, supplier deadlines, factoring and payments that survive rain delays.
Start hereIndustry GuidesPlumbing business financing to add service capacity
Price a new truck, tools and hire, then finance the long-lived pieces so your reserves still cover slow months and repairs.
Start hereIndustry GuidesElectrical contractor financing for larger commercial projects
See the cash gap on a commercial job, how retention works under California law and which financing fits materials, billings and equipment.
Start hereIndustry GuidesLandscaping business financing: equipment and contract growth
Match crew equipment, spring payroll and new commercial accounts to the right financing, and test the payment against your slowest months.
Start hereIndustry GuidesCleaning business financing for commercial contracts
Size the gap between payroll and client payments, then compare invoice factoring, a credit line and working capital for a growing cleaning company.
Start hereIndustry GuidesRestoration company financing before insurance pays
Who owes the invoice, how long claims take and which receivables providers may accept: financing for water, fire and storm restoration companies.
Start hereIndustry GuidesConcrete and excavation equipment financing
Test a heavy equipment purchase against billable hours and project payment timing, then compare buying, leasing and renting on full cost.
Start hereIndustry GuidesProperty management financing: fee revenue, trust funds and growth
How management companies finance payroll, new portfolios and acquisitions using fee revenue, while keeping trust funds and deposits separate.
Start hereIndustry GuidesPest control business financing for new technicians and routes
Finance service trucks, spray equipment and new technicians, and size the gap before a new pest control route fills with recurring accounts.
Start hereIndustry GuidesVeterinary practice financing for equipment, facilities and expansion
Match imaging, lab and surgical equipment, clinic build-outs and practice purchases to financing, and test each payment against your caseload.
Start hereIndustry GuidesOptometry practice financing for equipment, frames and growth
Finance diagnostic equipment, frame inventory and new exam lanes, and plan around the weeks insurance payments take to arrive.
Start hereIndustry GuidesPhysical therapy practice financing
How to finance new clinicians, more space and the reimbursement gap, with the Medicare rules that affect when new visits are paid.
Start hereIndustry GuidesHome healthcare business financing
How home health agencies can bridge payroll while claims are paid, and why Medicare and Medicaid receivables cannot be factored.
Start hereIndustry GuidesPharmacy business financing
How pharmacies can finance inventory, acquisitions and the wait for plan payments, with the Part D, Medicaid and DEA rules that matter.
Start hereIndustry GuidesMedical spa financing
How med spas can test a device or expansion before financing it, compare leases and loans, and prepare for provider restrictions.
Start hereIndustry GuidesSalon and barbershop financing: chairs, remodels and capacity
How booth rental and commission models shape a review, what to finance with which structure, and how to test a payment against a chair ramp.
Start hereIndustry GuidesGym financing: equipment upgrades and membership cash flow
How membership drafts, churn and prepaid packages affect what a gym can borrow for equipment or a build-out, and how to time payments.
Start hereIndustry GuidesChildcare business financing: facilities, staffing and enrollment
How licensed capacity, staff ratios and tuition and subsidy timing shape financing for new rooms, facilities and the enrollment ramp.
Start hereIndustry GuidesSenior care business financing: facility and operating needs
How home care agencies, assisted living operators and adult day programs fund property and payroll, and how payer timing shapes the payment.
Start hereIndustry GuidesGrocery store financing: inventory turnover and operating cash flow
Match financing to inventory cycles, perishables, produce supplier payments and refrigeration without overloading a grocery store’s thin margins.
Start hereIndustry GuidesConvenience store financing: inventory and equipment investments
How convenience stores finance coolers and inventory, and why tobacco, vape, alcohol, lottery or fuel sales change which providers review the store.
Start hereIndustry GuidesAuto repair shop financing: lifts, diagnostic tools and expansion
Match financing to lifts, diagnostic tools, A/C equipment and added bays, test each purchase against billed hours, and see what providers review.
Start hereIndustry GuidesTire shop financing: inventory depth and service capacity
How tire shops finance inventory and service equipment, size stock to the sizes that turn, and compare financing with distributor terms.
Start hereIndustry GuidesCar wash financing: equipment replacement and upgrades
How washes finance tunnel equipment, reclaim systems and site work, test payments against slow months and handle equipment on leased land.
Start hereIndustry GuidesHotel and motel financing: renovations and seasonal cash flow
How operating hotels and motels finance renovations, equipment and slow seasons, scope the work and test payments against the off season.
Start hereIndustry GuidesCatering business financing: funding events before final payment
How caterers cover food, staff and rentals before balances arrive, with deposits, overtime, service charges and the structures that may fit.
Start hereIndustry GuidesBakery financing: production equipment and wholesale growth
How bakeries finance ovens and mixers, cover the wait on wholesale invoices and judge whether new accounts can carry the payments.
Start hereIndustry GuidesFranchise financing: expansion, transfers and remodels
How franchisees fund a new unit, a resale or a required remodel, and which disclosure document items and SBA rules shape the request.
Start hereIndustry GuidesFurniture store financing: inventory and payment timing
How furniture stores fund stock and special orders, handle deposits and customer financing programs, and compare financing costs and liens.
Start hereIndustry GuidesManufacturing business financing: increasing production capacity
Match machinery, materials and receivables to the right structure, with SBA 504 rules, 2026 tax limits and signs that capacity is not the answer.
Start hereIndustry GuidesMetal fabrication financing: materials and equipment for larger orders
Fund steel at award, bridge progress billing and retainage, and compare a line of credit, factoring and equipment financing for bigger jobs.
Start hereIndustry GuidesMachine shop financing: evaluating a CNC purchase
Judge a CNC machine by the hours it will cut, its full installed cost and when payments start, then compare loan, lease and SBA routes.
Start hereIndustry GuidesWholesale distributor financing: inventory and receivables
Measure your cash conversion cycle, then see when a credit line, invoice factoring or working capital fits the gap between supplier and customer.
Start hereIndustry GuidesImport business financing: costs before goods are sold
Map the landed cost and customs timeline of an import order, then see when a credit line, working capital or factoring may fit the gap.
Start hereIndustry GuidesStaffing agency financing: making payroll before clients pay
See how weekly payroll and IRS deposits run ahead of client payments, which invoices providers fund and when factoring or a credit line fits.
Start hereIndustry GuidesSecurity company financing for new service contracts
How guard companies and installers fund payroll, equipment and startup costs while waiting on client payments, and when financing may not fit.
Start hereIndustry GuidesIT services financing for contract revenue and expansion
How IT firms match a line of credit, a term loan or invoice factoring to recurring billing, project invoices and hiring ahead of revenue.
Start hereIndustry GuidesMarketing agency financing between client payments
How agencies bridge late retainers, project invoices and media pass-through, and how client concentration shapes what providers may offer.
Start hereIndustry GuidesCommercial printing financing for equipment and materials
How print shops finance presses, finishing equipment and paper for large orders, starting with whether new capacity will be used.
Start hereIndustry GuidesAgricultural business financing: equipment and seasonality
Match farm equipment and seasonal costs to financing that follows your cycle, check provider restrictions and know where FSA and Farm Credit fit.
Explore financing by type
Each page explains how the financing works, what providers review, typical uses and costs to ask about.
Know What You Need? Start Your Application.
Choose the financing you are exploring, or select I’m not sure and an advisor will help match your need to the options providers offer.
One application covers your business details. After you sign, you add your last four business bank statements for an initial review.
Opens the application with “I’m not sure” selected.
- Complete the applicationShare details about your business, the financing you need and its owners.
- Sign with DocuSignReview your answers and sign the application electronically.
- Add your bank statementsUpload your last four complete business bank statements through the secure upload.
- Review your optionsAn advisor reviews your profile with providers and explains any options, including costs and payment obligations. You decide whether to move forward.
Correia Solutions LLC dba Correia Financial is a business financing brokerage, not a lender. Providers make all credit decisions and set terms. Applying does not guarantee approval or funding.