Before comparing financing, write down what you need to pay for, when it is due, and how much cash the business can contribute without falling behind on other bills.
Match the repayment to the expense
A recurring cash-flow gap and a one-time equipment purchase call for different questions. For a gap, consider when customer payments will arrive. For equipment, consider how long you expect to use it and whether the payments fit your budget.
Compare the full offer
Review the cash you would receive, payment dates, fees, total repayment, and conditions for funding. Ask what happens if you pay early or miss a payment.
Check the provider before sharing financial information. If the agreement leaves a question unanswered, get an explanation in writing before you commit.
