This page sorts them by what they pay for, from a builder's materials to a concrete mixer, and by how the money goes back.
Six funding types, sorted by use: materials and stock, equipment such as a concrete mixer, payroll, a business purchase, and card-sales advances. Secured and unsecured options are explained, and every worked figure is invented. Funding partners decide on each request.
Is equipment financing a loan? An example built on printers for a Kalispell, MT real estate office
It can be. An equipment loan is a loan: the business owns the machine from the start, and the partner holds a lien on it until the last payment. An equipment finance agreement reads much like a loan on paper, while a lease is a rental that may end with an option to buy.
Illustration only, invented figures: a real estate office prices two color laser printers and a label printer at $4,853. Spread across 24 months at a 12.58% annual rate, those invented printers run $229.76 monthly, $5,514.24 by the final installment. In this invented case the printers themselves back the loan. A rehab-bike case on the page for Kalispell, MT follows the same pattern.
The same structure covers a concrete mixer for a builder or a range for a kitchen; only the price and the useful life change.
What is a merchant cash advance? Crew payroll in Flathead County, MT
A merchant cash advance trades cash in hand now for part of the card receipts a business will take in later. It is not a loan. A provider buys part of the business's future receivables and collects a fixed percentage, the holdback, from each day's card sales until the agreed total is collected.
Illustration only, invented figures: a sit-down restaurant takes a $14,735 advance at a 1.329 factor to cover its kitchen crew's payroll, so the invented total to be collected is $19,582.82. With an 11.5% holdback and card sales averaging $2,385 a day, the invented daily amount is $274.28, and collection runs 72 business days in this invented case.
A business without card sales, such as a framing crew paid by invoice, has no card-sales stream to draw from; a working capital loan or a line fits its payroll instead.
What is inventory financing? An example built on bid deposits for Kalispell, MT home builders
Inventory financing pays for stock a business holds to sell or to use on its jobs: lumber packages, windows and doors ordered ahead of a house. The stock can serve as collateral. A bid deposit is different: it is cash held against a bid, not stock, so a draw on a line or a working capital loan is the closer fit.
Illustration only, invented figures: a builder orders $31,460 of windows and exterior doors for three houses and posts a $4,275 bid deposit on a fourth. In this invented case, inventory financing can cover the windows and doors, while the deposit goes on a line of credit.
Secured vs unsecured business loans: retainage gaps in Kalispell, MT
A secured loan names collateral: equipment, stock, receivables or a general lien on business assets. An unsecured loan pledges no specific asset, and a partner may want the owner's personal guarantee in its place. The partner decides which kind it offers.
On a contract with retainage, the customer holds back part of each progress payment until the work is finished. Illustration only, invented figures: a finishing contractor bills $86,300 on a commercial job, and the customer holds back $8,630 of it. In this invented case the contractor may ask for a loan secured by its receivables or an unsecured one sized on bank deposits; either way, the $8,630 still arrives only when the job closes.
Weighing paper-goods stock at Flathead County, MT sit-down restaurants: types of commercial loans
Commercial loans differ less by name than by how the money goes back. One paper-goods restock shows it:
| Funding type | How the restock is paid for | How the money goes back |
|---|---|---|
| Business line of credit | A draw for the order | Paid down, then available to draw again |
| Working capital loan | A lump sum | Fixed payments over months |
| Inventory financing | Funding tied to the stock order | Fixed payments, with the stock as collateral |
| Merchant cash advance | A lump sum | A share of each day's card sales |
A restaurant that restocks every few weeks may find a draw shape fits better than taking a new lump sum each time; the partner's offer settles it.
What is a business term loan? Flathead County, MT real estate offices budgeting for a team buyout
A business term loan delivers its full amount at the start and is retired through equal monthly installments on a schedule fixed in the offer. In a real estate office, a team buyout is one use: the agents on a team buy the business side of that team, such as its client database, signage stock and equipment, from the agent who built it.
Illustration only, invented figures: two agents agree to pay $52,680 for a team's client database, sign stock and office equipment. Each of the sixty invented installments at a 10.94% annual rate is $1,143.82, or $68,629.20 for the whole invented loan. Office space and any real estate stay outside this site in this invented case and every other.
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