As a new small business, making money when you are just starting out is not always possible. Little to no access to cash flow can be quite stressful as money is one of the most critical components to helping your new business succeed. If you are looking into different loan options for your small business, we’ve gathered a list of many different ideas below for you to explore. While some options may be considered riskier than others, a riskier option may just work out perfectly for your small business.


Microloans can be a ideal for the small business owner who is just starting out. If cash flow is tight and your credit score is not great, then you may want to consider a microloan. The qualifications for a microloan are a little less stringent than the qualifications for a typical loan through your bank.

Microloans can be as small as $500 and as large as $100,000. The Internet has made it possible for Microloans to become a popular alternative financing option. There are many individuals willing to loan you a small amount with the promise of receiving their cash back, plus interest. Microloans haven’t been around as long as traditional loans, however, they continue to grow each year in popularity.

The Small Business Administration also gives out small microloans to businesses who qualify. They have received various grants from the federal government specifically for the use of small business microloans. They can be used for different business needs, including times when you may be short on cash flow or need quick cash to restock inventory.

Home Equity Loan

If you have a good deal of equity in your home, you may be able to use that equity to help fund your small business. A home equity loan is very similar to a mortgage. You typically have a fixed payment each month. However, it is generally higher than your current mortgage as the loan will not last as long as a regular mortgage.

A home equity loan is a great way to finance your small business as it can cost less than other small business loans available. Additionally, there are certain conditions that can make the environment for home equity loans especially tempting.

It is typically best to borrow when interest rates are low or stable. Changing interest rates can impact your monthly payment significantly. It’s also best when home prices are on the rise. Rising home prices generally means greater equity, which can be used to help fund your small business.

Account for Retirement  

Often times retirement is not the end of a work career, but rather a new beginning. It is not uncommon for many small business owners to fund the next phase of their career using the money that was initially saved for their retirement. Many small business owners are able to take the money from their current retirement account and roll it into a corporate retirement account set up by your new business.

Rolling over your money from a retirement account to use for a business loan is especially tricky. We recommend that you consult with experts on how to do this legally so that you can get the most from your retirement account for your new business without paying a great deal in fees.

Cash Advance from Your Merchant Account

Did you know that you can get a loan from your Merchant Account Provider? This is known as a cash advance. Your merchant account provider will loan money to your small business and you repay via a small percentage of your daily credit card transactions.

SecureGlobalPay now offers Capital for Merchants which lets you build your business presence through different marketing techniques. As a direct funding source backed by one of the nation’s most trusted credit card processing companies, Capital for Merchants specializes in merchant cash advances that help small businesses grow and succeed.

Get fast money for your business without the strict qualifications of bank loans. You’ll get the cash you need, quickly and easily – with the lowest factor rates in the industry. It’s ideal for restaurants, bars, auto shops, beauty salons, retail stores, and just about any other type of small business.

Already have a business cash advance? Let us roll your existing merchant cash advance into a lower factor rate advance! Get started today by filling out our easy application!

SBA Loan

The Small Business Administration offers many great programs and services for small businesses. If your bank has tightened its purse strings against loaning money to your small business, then consider checking out the small business SBA loans. They have a variety of specialized loans that might be perfect for your business including:

General Loans

Disaster Loans


Real Estate Loans

The small business administration is only for small businesses, so you must qualify as a small business based on the definition provided by the SBA.


While crowdfunding is not technically a loan, it is still a great way to attract cash flow for your small business. If you are shy about asking your family and friends for cash, then crowdfunding may be a fun way to ask for cash. .Simply set up a “GoFundMe” page online. Make sure that you spend time letting your friends and family know exactly how you are going to utilize the funds so they feel inspired to donate.

Credit Cards

Using credit cards for access to quick funds can be extremely risky. This should only be used as a last resort. Falling behind on payments can make the success of your business extremely vulnerable as your credit cards can quickly increase your interest rates and monthly fees. However, if you are in the habit of paying off your credit card each month and you receive rewards for using your card, then credit cards are a viable loan option.

While each loan option above can really help your business, we recommend that you consider the possible ramifications to your business that each loan brings.  Missing payments can damage your reputation and make it harder for you to get loans in the future. However, finding the right loan can be great in helping to ensure your business will succeed.