Business Loans

At Straight Cash, we’re not only dedicated to helping you get the financing your business needs, but to educating our clients on the various options available. In this section of our site, you’ll find extensive information on each type of loan available in plain English, not financialeze.

And, if you have questions or require further clarification, our Straight Cash advisors are ready and willing to help so please don’t hesitate to contact us.


A long term, low interest loan for the purchase of fixed assets such as real estate, equipment or machinery, expansion capital, funding the purchase of another business, or even, in some cases, refinancing other debts. SBA Loans are partially guaranteed by the government and therefore more attractive to lenders.

term loans

A long term loan which is paid back with regular payments over time, including interest. This type of loan is extremely flexible and can be used for almost any business purpose. A mortgage is the best known example of a term loan.

Equipment Financing

A loan or lease specifically for the purchase of business equipment, where the equipment itself acts as collateral for the loan. Car loans and leases are a form of Equipment Financing.

business line of credit

A flexible credit line, usually with a bank or other financial institution, which can be used for any purpose up to the maximum loan balance. Not to be confused with business credit cards, business lines of credit often have lower interest rates, fewer fees, and more flexible payment options.

Invoice Financing

A loan against (Asset Based Loan) or purchase of (Invoice Factoring) accounts receivables. Invoice financing allows you to access quick cash against current unpaid invoices.

Short Term Loans

A small loan, often from a credit union or other smaller financial institution, which usually must be repaid in two years or less, principal and interest. Has the advantage of less stringent loan requirements.

Merchant Cash Advance

Technically not a loan, but an advance on future credit or debit card sales. The lender often forms a partnership with credit card companies and collects a percentage of each sale. Payments are a percentage of each sale so repayment is not a burden when business is slow.

Small business startup loans

A variety of loan products which assist with launching or funding a small business, including business credit cards, credit line builders and equipment financing. In most cases, collateral will be required.

personal loans for business

A loan from a financial institution against personal assets (usually real estate) but where it is understood the funds will be used to finance small business operations. Has the disadvantage that if the business fails, you are still personally liable for the debt.

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