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How Financing Works
Navigating commercial finance is easier when you know the basics. From equipment financing and working capital to invoice factoring, the goal is simple: convert future cash flow into today’s capital to fund growth and stabilize operations.
Explore key concepts below, then dive deeper in our education hub. If you have questions, a Com Fi Now® specialist is happy to help.
- Common options: Equipment financing, working capital, invoice factoring
- Primary goal: Convert future cash flow into today’s capital
- Best for: Growing businesses with equipment or A/R needs
- Speed: Many decisions are fast once docs are received
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Frequently Asked Questions
What is commercial finance?
It’s a category of business funding solutions (e.g., equipment financing, working capital, invoice factoring) designed to support growth, stabilize cash flow, and fund purchases.
How is factoring different from a loan?
Factoring advances cash against your invoices (receivables). It’s not new debt, and approvals are based largely on your customers’ payment performance.
When is equipment financing a good fit?
When you need to acquire equipment now while preserving cash. Terms can align with useful life and may keep bank lines free for other needs.
How fast can I get funding?
Timelines vary, but decisions/funding can be fast after intake (e.g., recent bank statements, invoice lists, or equipment quotes).
Tip: Keep recent bank statements, invoice aging, and quotes handy—complete intake speeds decisions.