How to choose a funding product

Most people don't need to know every product. They need to answer four questions, and the answers do most of the sorting.

Four questions

• Is this for a business, for you personally, or for an investment property?
• Do you want to draw as you go (revolving) or receive one amount (lump sum)?
• How established is the business: revenue, time in business, documentation?
• Is there collateral in play, such as equipment or home equity?

Where the answers point

• Established business, revolving need: a Business Line of Credit.
• Established business, one planned purchase: a Business Term Loan.
• Buying equipment: Equipment Financing, where the equipment is the collateral.
• Larger, longer, document-heavy: SBA Financing.
• Newer business with a strong personal profile: 0% APR business credit cards.
• Home equity available: a HELOC used for business.
• A personal need, or a business too new for business products: a Personal Loan.
• A rental property: a DSCR loan, which qualifies on the property's rent.
• Strong daily sales but a thin file or a tight timeline: a Merchant Cash Advance, priced for speed.
• A defined exit within months (a sale, a refinance, permanent financing): a Bridge Loan.

If you're still not sure, or it doesn't fit

That's normal. Refer it or apply as "not sure" and we'll match it. And if the need is niche, unusual, or industry-specific, send us the scenario: our ten core solutions are the most common transactions we place, not the limit of our lending relationships. TK Capital Solutions is a funding brokerage, not a lender. Requirements vary by lender and program; nothing here is a promise of approval, amount, or timing.

Common questions

Can I qualify for more than one product?

Often, yes. We look at the whole picture and recommend the option that fits the need and the profile, not the one that's easiest to place.

More in this topic

• What lenders actually look at