Updated by Blackstone Funding for general educational use.
Choosing a financing product begins with the business objective, requested amount, preferred payment structure, and available documentation. The fastest option is not always the best fit for cash flow.
Define the financing objective
- Working capital or seasonal expenses
- Inventory or equipment
- Business acquisition or partner buyout
- Expansion, hiring, or marketing
- Debt refinancing or consolidation
- Commercial property purchase or improvement
- Construction or project mobilization
Common financing categories
Term loans
Business term loans may suit defined investments that can be repaid over an agreed schedule.
Lines of credit
A business line of credit can support recurring or unpredictable short-term needs.
Revenue-based financing and cash advances
Revenue-based financing and merchant cash advances emphasize business revenue but can involve frequent payments and higher costs.
Equipment and commercial real estate financing
Equipment financing and commercial real estate loans are tied to specific assets and uses.
Documents to organize
- Business application and ownership information
- Recent bank statements
- Profit-and-loss statement and balance sheet
- Business and personal tax returns when required
- Debt schedule
- Purchase agreement, project budget, or equipment quote when applicable
Compare the complete terms
Review total repayment, interest or pricing method, fees, payment frequency, term, collateral, guarantees, liens, prepayment provisions, and default remedies. The payment should remain sustainable under realistic cash-flow assumptions.
Review our financing services, learn about the commercial financing process, or contact Blackstone Funding.
This material is for general informational purposes and is not a commitment to lend or arrange financing. Program availability, qualifications, costs, guarantees, collateral requirements, and timelines vary by provider and transaction.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.