Funding Options That Work as Hard as You Do
At Nationwide Funding Solutions, we specialize in helping small and mid-sized businesses unlock the capital they need to thrive. Whether you're looking for fast working capital, long-term SBA loans, or flexible credit lines, our team is here to simplify the funding process and guide you to the right solution. With a network of top-tier lenders and a consultative approach, we’re committed to helping you secure financing that works for your business — not the other way around.
Get quick access to working capital with our most flexible funding option. Revenue-based financing — also known as a merchant cash advance (MCA) — provides capital based on your future receivables. There’s no need for perfect credit or collateral, and funding can happen in as little as 24–48 hours. It’s ideal for businesses with steady revenue streams that need fast access to cash for payroll, inventory, or growth opportunities.
Secure long-term, low-interest financing backed by the U.S. Small Business Administration. SBA loans are one of the most versatile and affordable options available to business owners today. Whether you’re expanding operations, refinancing debt, or purchasing equipment, SBA loan programs offer flexible structures — including term loans, buyouts, and lines of credit — with terms up to 10 years. Both secured and unsecured options are available depending on the loan amount and structure.
Leverage your business assets to access the capital you need. Asset-based financing allows companies to use property, equipment, or other tangible assets as collateral in exchange for a business loan. This type of funding is especially useful for businesses with strong assets but limited credit history, and it typically comes in the form of a structured term loan with competitive rates.
Accounts Receivable Factoring (AR Factoring)
Turn unpaid invoices into immediate working capital. AR factoring lets you sell your outstanding receivables to a third party at a discount, allowing you to receive funds now rather than waiting 30, 60, or 90 days for payment. This is a great option for businesses with slow-paying clients that need to improve cash flow quickly without taking on new debt.
Leverage your business assets to access the capital you need. Asset-based financing allows companies to use property, equipment, or other tangible assets as collateral in exchange for a business loan. This type of funding is especially useful for businesses with strong assets but limited credit history, and it typically comes in the form of a structured term loan with competitive rates.
What Lenders Look for When Reviewing Your Application
When applying for small business financing, it helps to understand the key factors lenders consider during the approval process. While every funding solution is a little different, most lenders will evaluate your business’s overall financial health, stability, and ability to repay. Here are the most common criteria:
Time in Business
Lenders typically want to see that your business has a consistent track record. If you've been operating for at least 12–24 months with reliable revenue, you'll be in a stronger position to qualify. Established operations are seen as less risky than businesses with limited history or unpredictable income.
Credit History
Your credit score plays a big role in determining eligibility. Many lenders will look at both your personal and business credit scores to assess risk. While stronger credit (typically 650+) improves your options, some programs are available for those with lower scores, especially if other aspects of the business are strong.
Cash Flow Management
Healthy, predictable cash flow shows that your business can handle regular expenses and repay loans. Lenders may review recent bank statements or financial reports to ensure you have enough revenue coming in to cover your obligations.
Collateral (If Required)
Depending on the type of loan, you may need to secure the funding with an asset. Collateral could include equipment, property, receivables, or even savings. Some funding options we offer — like unsecured lines of credit — don’t require collateral at all.
Fixed Expense Coverage
Lenders often look at your ability to cover fixed costs like rent, loan payments, and interest. This is commonly measured using the fixed charge coverage ratio — a metric that gives insight into how comfortably your business can meet its financial obligations.
Working Capital Position
Working capital is your short-term financial cushion — essentially, the funds available to run your daily operations. A strong working capital position signals stability and gives lenders confidence that your business is operating efficiently and can weather short-term challenges.
What to Consider Before Applying for a Business Loan
Choosing the right business loan isn’t just about getting approved — it’s about finding the right fit for your goals, your timeline, and your budget. Before moving forward, it’s important to clarify your needs and understand what your business can realistically handle. Here are a few key questions to help guide your decision:
1. What’s the Purpose of the Funds?
Start by identifying exactly why you need financing. Are you covering seasonal cash flow gaps? Investing in new equipment? Expanding to a second location? The reason behind your loan will often determine the best type of funding. For example:
- A revenue-based advance might be ideal for fast, short-term needs.
- An SBA loan could be better for long-term investments like real estate or business expansion.
- A line of credit may work best for flexible or recurring needs.
Being clear about your objective helps ensure you get the right structure and terms from the start.
2. What’s the Purpose of the Funds?
Start by identifying exactly why you need financing. Are you covering seasonal cash flow gaps? Investing in new equipment? Expanding to a second location? The reason behind your loan will often determine the best type of funding. For example:
- A revenue-based advance might be ideal for fast, short-term needs.
- An SBA loan could be better for long-term investments like real estate or business expansion.
- A line of credit may work best for flexible or recurring needs.
Being clear about your objective helps ensure you get the right structure and terms from the start.
3. What’s the Purpose of the Funds?
Start by identifying exactly why you need financing. Are you covering seasonal cash flow gaps? Investing in new equipment? Expanding to a second location? The reason behind your loan will often determine the best type of funding. For example:
- A revenue-based advance might be ideal for fast, short-term needs.
- An SBA loan could be better for long-term investments like real estate or business expansion.
- A line of credit may work best for flexible or recurring needs.
Being clear about your objective helps ensure you get the right structure and terms from the start.