Choose the right financing option for your business

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Your Ultimate Guide to Commercial Property Loans

• Business Financing Simplified Merchant Loans vs.
  Business Loans

• Discover the difference between business loans
  vs. merchant loan options to secure the right
  financing. Learn how merchant cash advances,
  based on future sales, compare to traditional
  loans with fixed terms. Explore which funding
  option best suits your business goals and
  repayment preferences today!

2
What are the benefits of a merchant loan?

• The primary advantage of a merchant cash advance
  over a business loan is that it offers very quick
  business funding, with a less rigorous
  application process.

3
What are business loans?

• Business loans provide a lump sum cash payment
  upfront with pre-set repayment terms. There are
  many different types of business loans like
  short-term loans, equipment financing, and
  business acquisition loans. Some entrepreneurs
  opt to finance their business with revolving
  credit, like a business line of credit or a
  business credit card.

4
SBA Loans

• The Small Business Administration (SBA) helps
  small businesses get financing through SBA Loans.
  The SBA doesnt lend money directly to
  businesses, but it works with lenders to
  guarantee a portion of the loan. Borrowers
  interested in an SBA loan complete an application
  and receive funds from a traditional or online
  lender. You can use the SBA lender search to find
  SBA lenders.

5
Invoice Factoring and Invoice Financing

• Invoice factoring and invoice financing offer
  business cash advances for small businesses that
  are new or still need to build up a business
  credit history. Since traditional financing is
  approved based on a combination of personal and
  business credit scores, financing programs like
  invoice factoring and invoice financing can help
  new businesses improve their credit scores.

6
Business Term Loans

• Small business term loans are a traditional type
  of financing where the borrower receives a lump
  sum payment upfront and repays the loan over a
  pre-determined amount of time at either a fixed
  or variable interest rate. Fixed interest rates
  stay the same throughout the life of the loan,
  while variable rates change in conjunction with
  market rates. Short-term and long-term loans can
  be obtained through a traditional bank or credit
  union or with an online lender.

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What are the benefits of business term loans?

• Business loans, like SBA and term loans, can
  provide a large lump sum of funds for qualifying
  businesses. They are approved for larger loan
  amounts than some short-term financing options
  like MCAs, invoice factoring, lines of credit,
  and other solutions. Business term loans allow
  borrowers to budget accordingly because the
  repayment terms are fixed and agreed upon at the
  beginning of the loan.

8
Is a business loan or merchant cash advance
better?

• Term loans and merchant cash advances can each
  provide great financing opportunities for small
  businesses. Deciding which action is best for
  your business depends on a few factors.

9
Where to find business lending?

• If you have decided that a business loan,
  merchant loan, or merchant cash advance is the
  best option for your business, finding a lender
  is the next step.

10
Bottom Line

• Running a business includes monitoring the
  financial health of the organization and
  adjusting the business plan whenever necessary.
  Sometimes adapting means exploring the options of
  business financing. For Victor Alacazar from
  Ohio, adapting happened very fast when he was
  able to secure a 20,000 cash advance

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Why Choose Biz2Credit?

1. Trusted partner for franchise funding
2. Biz2Credit was founded in 2007 and has provided
   more than 10 billion in loans.
3. Dedicated support team
4. Tailored financing solutions

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Thank You