Choosing the right financing for your commercial business
Build stability and expand your options with capital guidance from this Truist Purple Paper®.
Funding for real estate and physical infrastructure
- Commercial real estate financing
- Equipment financing
Choosing cost over flexibility
Cheap capital becomes expensive when it limits a company’s choices. Focus on structure and how it will affect the business long-term.
Not considering your lifecycle stage
Early-stage companies need flexibility and runway cash. Growth-stage companies need scalability and working capital. And transition-stage businesses need structure and certainty.
Underestimating working capital needs during growth
Use scenario planning to balance long-term growth objectives with day-to-day cash flow needs.
Overlooking the fit between loan terms, cash flow, and covenants
When loan terms don’t reflect cash flow realities, even strong businesses can face unnecessary liquidity pressure.
Failing to account for industry-specific volatility
Understand your industry’s dynamics. Factors such as cyclicality, regulation, technological change, and growth trends all play a critical role in determining the right capital structure.
