Business funding for your next move.
Get a clearer picture of your options before the next expense, project or opportunity. Compare financing structures, see what providers may look for and prepare to start the conversation.
Explore fundingEXPLORE YOUR FUNDING OPTIONS
More ways to move your business forward.
Merchant cash advances
Understand factor rates, revenue-based structures and collection terms.
Explore the guide 02Short-term bridge loans
Plan for a temporary capital need and a clearly defined repayment source.
Explore the guide 03SBA loans
Compare 7(a), 504 and microloan programs and their different purposes.
Explore the guide 04Traditional term loans
Explore scheduled repayment, interest rates, collateral and loan terms.
Explore the guide 05Business lines of credit
Learn about revolving access, draws, fees, repayment and renewal.
Explore the guide 06Equipment financing
Compare loans and leases for the tools, vehicles and machinery your business needs.
Explore the guideCompare structures before choosing an offer. Available products, eligibility and terms depend on the provider and your business.
A temporary gap.
A plan to move forward.
Bridge financing can help connect an immediate business need with an expected source of repayment.
A purchase, project or transaction may need capital before longer-term financing or other expected funds arrive. The right starting point is a clear explanation of the gap, the cost of filling it and the plan to repay.
Review the maturity, interim payments and what happens if the expected funds are delayed. A pending application is not the same as committed financing.
Explore short-term bridge loansThree useful starting points.
For an initial working-capital conversation, come prepared with a picture of your operating history, revenue and recent bank activity.
In business
An operating track record helps a provider understand how your business performs.
Of business bank statements
Have the most recent complete statements ready, including every page.
In business revenue
Consistent monthly revenue can support the conversation about what your cash flow can handle.
These are starting guidelines for some working-capital options, not guaranteed eligibility or minimums for every lender. SBA, bank term loans, credit lines and equipment financing have their own requirements. Revenue means business sales—not profit, loan proceeds or transfers between accounts.
Talk through your optionsDifferent funding.
Different requirements.
Use this comparison to prepare the right information. The provider’s current criteria and the actual transaction determine the final checklist.
| Financing type & business fit | What a provider may review | What to have ready |
|---|---|---|
| Short-term bridge loans A defined expense or timing gap with a credible repayment source. | Recent deposits, existing debt, cash flow and the evidence behind your exit or refinance plan. | Four recent business bank statements, a debt schedule, and documents supporting the expected repayment event. |
| Merchant cash advances An operating business with revenue that can support the proposed collections. | Sales consistency, deposit activity, existing advances and the effect of daily or weekly collections. | Four recent business bank statements; card-processing records may also be requested. Review total cost and reconciliation terms. |
| SBA loans An eligible business and use of proceeds under the selected SBA program. | Program eligibility, creditworthiness, repayment capacity, ownership and any required equity or collateral. | Tax returns, current financials, debt schedule, business and owner details, plus transaction documents and projections when required. |
| Traditional term loans A planned investment with cash flow to support scheduled payments. | Operating history, business and owner credit, profitability, debt obligations and collateral where required. | Financial statements, tax returns, bank statements and a use-of-funds schedule. A longer operating history may be required. |
| Business lines of credit Recurring working-capital needs with a repeatable draw-and-repay cycle. | Revenue trends, available cash, credit, existing borrowing and the proposed limit. Requirements vary widely. | Recent bank statements and financials; receivables or inventory reports may be needed for a secured borrowing base. |
| Equipment financing A specific equipment purchase or lease that supports business operations. | The equipment’s type, condition and value, plus business cash flow, credit and any down payment or guarantee. | Vendor quote or invoice, equipment specifications, bank statements and financials. Confirm insurance, deposit and delivery requirements. |
Program reference: SBA 7(a) eligibility and application guidance. There is no single qualification standard across these products.
Less scrambling.
A clearer first conversation.
Start with the basics. More complete information helps a provider understand the request and identify what is still needed.
See the full document guideRecent bank activity
Four complete months of business bank statements are a useful starting point. Ask whether more history or month-to-date activity is needed.
Your business details
Legal business name, operating history, ownership information, industry and contact details.
The funding request
How much you want to discuss, what the money will pay for and when the expense occurs. Include quotes or contracts if relevant.
Existing obligations
Current loans, advances, credit lines and their balances, payment amounts and payment frequency.
The repayment picture
Current revenue, regular expenses, available cash and any specific repayment event. Add tax returns or financials when the provider requests them.
Our website inquiry only asks for basic details. Confirm an appropriate document-sharing process before sending bank statements or sensitive information.
Real operations.
Different capital needs.
Restaurants planning an equipment upgrade. Retailers buying seasonal inventory. Contractors taking on a larger project. A financing conversation starts with how your business earns, spends and collects cash.
Businesses in these categories may be considered, subject to provider and program rules. An industry label alone does not establish eligibility.
Retail & e-commerce
Inventory, suppliers and seasonal sales cycles.
Restaurants & hospitality
Equipment replacement, fit-outs and operating expenses.
Construction & trades
Tools, project costs and gaps between invoicing and payment.
Professional services
Hiring, systems and contract-related working capital.
Transportation & logistics
Vehicles, equipment and operating cash flow.
Manufacturing & wholesale
Machinery, raw materials and customer payment cycles.
Know your options before
the next opportunity arrives.
A machine does not wait for a convenient time to break. A supplier deadline or growth opportunity may arrive while your cash is tied up elsewhere. Starting the conversation early gives you time to compare costs, organize documents and decide what fits.
Keep your bank statements and debt schedule current.
Look at cost, repayment and conditions before an urgent deadline.
Choose whether to proceed when the use and terms make sense.
Exploring options does not lock in approval, pricing or future availability. Borrow only when the commitment fits your business.
HELOCs work differently.
A home equity line of credit lets a homeowner borrow against equity in their home. It is different from a business line of credit because the home secures the borrowing. If you cannot repay, you could lose your home.
Before considering home equity for a business expense, confirm permitted uses, personal qualification requirements, payments and fees with the home-equity lender. Compare business financing alternatives and evaluate the impact on your household as well as your company. This is an explanation of the structure, not a Skycoast HELOC offer.
Read the CFPB’s HELOC explanationBusiness funding questions.
Make room for
your next move.
Tell us how to reach you. We’ll talk through your business and the funding you’re looking for.
(469) 916-2340Have more details? Start a funding inquiry