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Debt financing is any method of financing that involves taking on debt, or lump sums of money that your business has to repay. Term loans, SBA loans and lines of credit are all included in this type of financing.
The cost of debt financing can vary depending on what type of loan you get and who the lender is. Bank term loans, for example, are among the most affordable types of debt but usually require good personal credit and at least two years in business. Lines of credit or even term loans from online lenders can have much higher interest rates but may approve borrowers with poor personal credit or startup businesses. -
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Cash flow refers to the money “flowing” in and out of your business. Net cash flow is the money you have left over after you subtract the money your business has spent (rent, inventory purchases, debt payments, etc.) from the money it has earned (operational income, investment income, funding, etc.).
Cash flow formula
Ideally, your business will have positive cash flow, meaning you have more coming in than going out. When applying for financing, you may manually create a cash flow statement, or use accounting software; however, a lender will likely do its own cash flow analysis as well.
Collateral
Collateral is typically a valuable asset that’s used to secure your business loan. If you’re unable to repay your loan, a lender can recover some of the money it loaned by liquidating the assets you’ve pledged. Collateral is considered a risk mitigant and can improve your chances of getting approved or lead to more favorable rates and terms. Things like real estate, cash deposits or equipment can be used to secure a loan. -
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Whether you’re an entrepreneur looking for startup capital or an experienced small-business owner and operator, there are a few small-business financing terms you’re bound to hear on a regular basis. Even if you’re not actively applying for a small-business loan, it’s beneficial to be proactive in understanding some of these terms.
Annual percentage rate
The annual percentage rate (APR) helps you understand the true cost of a loan. It reflects a lender’s interest rate plus all fees and extra costs associated with a loan, annualized and rolled into a percentage rate. When deciding between different loan offers, small-business owners can use APR to compare how much each loan will really cost.
Asset
Assets in business are items — tangible or intangible — that hold value for a company. Tangible assets are things like cash reserves, real estate property, inventory or equipment. Intangible assets may include trademarks, employee expertise or even a strong customer base. Tangible assets can typically be used as collateral to secure a business loan.
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