How Do I Get Capital for My Business?

When you’re running a business, one question comes up again and again: How do I get capital for my business? Whether you’re just starting out, trying to expand, or working through a slow season, having access to capital can make the difference between surviving and growing.

The good news is that you have options. The right type of capital depends on your situation, your goals, and your timeline. Here’s a breakdown of common ways businesses secure funding, along with how to think about which path might fit you best.

1. Traditional Bank Loans

Banks have always been a first stop for business owners. They typically offer term loans, lines of credit, or SBA-backed financing. Different banks will have different loan size minimums, preferred time in business, and revenue guidelines. If your business has been around for several years, shows strong financials, and you’re comfortable with a longer application process, a bank loan could offer favorable rates and terms.

Key takeaway: Great for established businesses with strong credit histories, but less accessible for startups or companies that need quick funding.

2. Business Lines of Credit

Think of this as a safety net. A business line of credit gives you access to a pool of funds you can draw from as needed—whether for covering payroll, buying inventory, or managing cash flow during slower months. Interest is only paid on what you use. Due to the revolving nature of these loans they guidelines are typically stricter.

Key takeaway: Ideal for flexibility. Best when you have recurring, short term needs.

3. Equipment Financing

If your business relies on specialized equipment—whether it’s trucks, medical devices, or even software—equipment financing allows you to purchase or lease what you need without tying up all your cash. In many cases, you can also finance installation and training costs.

Key takeaway: Lets you spread out large equipment costs while preserving your working capital.

4. Working Capital Loans

Sometimes you need fast access to cash for everyday expenses—covering payroll, launching a marketing campaign, or stocking up on inventory at a discount. Working capital loans are designed for these situations. They’re often quicker to obtain than traditional bank loans (we've funded in as quick as 12 hours) and give you the short-term boost you need.

Key takeaway: Perfect for immediate needs or opportunities, but usually come with shorter repayment terms.

Finding the Right Fit

There isn’t a one-size-fits-all answer to the question “How do I get capital for my business?” The right path depends on:

• How quickly you need funding

• Your credit history and financial strength

• What you’re using the capital for

• How much control you want to keep

  
  

Before moving forward, take the time to assess your current financials, your goals, and your risk tolerance. Working with a trusted financing partner can help you navigate the options and match you with the right solution.

Final Thought

Getting capital for your business isn’t about chasing every option—it’s about finding the solution that supports your growth without putting unnecessary strain on your cash flow. Whether it’s a line of credit for flexibility, equipment financing for expansion, or working capital to cover the day-to-day, the right funding option is out there.

About the Author

   Jared Holmes is the founder of Brilliance Funding Partners, where he helps business owners navigate the commercial lending landscape with confidence. With 9 years of hands-on experience in SBA lending, equipment financing, and working capital solutions, Jared focuses on asking the right questions and delivering financing strategies that make sense for each business. Connect with Jared for a personalized conversation about your options.