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There are many different forms of small business loans. Choosing the right one can be frustrating because most online lenders only offer 1 type of business loan with a few variations such as 6 months or 12 months to repay, limited maximum loan amounts, daily payments, restricted industry types, and minimum personal credit scores. If you don't fit into their lending box, then you are declined. Then you try again elsewhere with a negative impact on your personal credit report furthering the possibility of a greater higher cost of funds. Capital Connections USA offers hundreds of different business loan options. We take a personal interest in your success providing the best loan program meeting your unique scenario. Here are just a few to consider.

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Unsecured business loans are what most people think of when they think of business loans. With these types of loans, you borrow a specific amount of money and repay it over a specific term, typically one to ten years. Terms vary depending on the lender, the purpose of the loan, your credit rating and other factors. 

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Small businesses that need working capital to handle temporary cash-flow gaps are turning to short-term loans available for a variety of purposes, including providing capital for payroll or inventory, refinancing other debts or paying taxes.

These types of loans are similar to traditional term loans in that you borrow a specific amount of money and pay it back over a set term. However, you’ll typically pay higher interest rates and must repay the loan faster; for example, daily payments (as opposed to monthly) are common. 

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If you’ve ever taken out a home equity line of credit, you know how a business line of credit works. Lines of credit can be unsecured or secured by collateral such as inventory or equipment. Lines of credit can be used for many purposes, such as working capital.

​Advantages of these types of loans: You don’t make payments or pay interest until you tap into the funds. A “revolving” line of credit can be tapped over and over, without having to reapply. And as long as you make payments on time, interest rates are generally lower than with conventional term loans. 

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