Financing

Get financing that fits your business

Align capital with strategy for a funding structure that helps you achieve your goals.

Table of Contents

Funding your company’s initiatives involves more than choosing a loan with the lowest interest rate. Ensuring financing aligns with your cash flow, growth trajectory, and risk tolerance can create stability and help you make smart business decisions.

When considering funding options, start by analyzing how your business uses capital—not just how you have borrowed in the past. The charts below outline three common use cases and financing solutions that support each objective.

This information can be a good conversation starter when discussing your company’s goals with your Truist relationship manager. They can help you choose the funding that best fits your business—and even tailor the terms to your unique needs.

Funding for day-to-day operations and cash flow management

Your business may need financing to maintain liquidity and support cash flow. Consider these four solutions: Each one is focused on meeting short-term needs while minimizing disruptions to operations.

Managing liquidity and optimizing working capital
Solution	Benefits
Working capital line of credit	Helps bridge timing gaps between receivables and payables, ensuring steady liquidity across business cycles Allows flexible, on-demand access to capital with the ability to draw, repay, and reuse as needed Lowers costs by only charging interest on the amount drawn, not the full credit limit
Asset-based lending	Enables you to convert accounts receivable, inventory, or equipment into immediate working capital Useful when assets are strong but cash is tied up in operations Structured as a revolving line of credit tied to asset values, so borrowing capacity can increase as you grow Typically allows for larger credit facilities than cash flow-based loans
Commercial card program	Functions as short-term, interest-free financing during the billing cycle Allows you to extend days payable and align payments with receivables Provides real-time spend tracking, controls, and integrated data to enhance financial visibility Automates payments to improve efficiency and manage fraud risk
Supplier financing	Provides a low-cost financing avenue for established businesses with strong suppliers and significant purchasing power Can take many forms: flexible payment terms, discounts for early payment, or options like payment installment, subscriptions, or pay on completion Unlocks liquidity hidden in your supply chain and reduces reliance on loans or lines of credit Strengthens supplier relationships by ensuring suppliers receive predictable (and even early) payments

Funding for growth, expansion, and transition

Financing your business growth plan often requires aligning longer-term capital with strategic inflection points, such as acquisitions or ownership transitions. These four financing solutions may help provide the means to fund bigger moves with advanced planning.

Financing growth, acquisitions, and transitions
Solution	Benefits
Small Business Administration (SBA) loan	Designed to expand the pool of capital for businesses that don’t meet traditional lending criteria Offers preferred rates, longer terms for repayment, and lower down payments (as low as 10% down) Provides more flexibility with dollar amounts and uses than conventional loans Issued by banks or non-bank financial institutions, including peer lending groups and community-based organizations Requires a business plan and clear documentation
Acquisition financing	Typically available as a three- to five-year term loan Preserves internal capital for operations and integration of the two companies Opens the door to larger or more complex deals that internal capital may not cover Can be tailored to accommodate the needs of businesses that purchase companies every one to two years Can proceed with minimal underwriting if the target business meets predetermined thresholds, which can simplify and speed up the financing process
Syndicated loan	Brings together multiple lenders to enable access to larger loan amounts than a single lender can provide Allows you to participate in more competitive or complex transactions that require larger capital investments Reduces reliance on a single lender Signals financial strength and credibility to the market, positioning you for future capital raises
Employee stock ownership plan (ESOP) financing	Enables owners to sell all or part of their business in a structured, gradual transition Provides tax efficiencies that can free up cash flow to reinvest in business growth, expansion, or debt reduction Supports recruitment and retention through employee ownership Can be financed through a flexible combination of bank loans, seller notes, and internal cash flow

Funding for real estate and physical infrastructure

Capital investments in real estate and equipment require financing structures aligned with asset life cycles and long-term business strategy. This is a common need, and these two solutions are specifically tailored to meet it.

Investing in facilities, equipment, and long-term assets
Solution	Benefits
Commercial real estate (CRE) financing	Allows you to acquire, develop, or refinance property without tying up working capital Helps you build equity in owned property over time, creating tangible assets that can be leveraged for future financing When structured with fixed rates, offers predictable repayment that supports cash flow planning May offer more favorable terms since the property itself serves as collateral Potentially brings tax advantages through tax-deductible interest or tax credits
Equipment financing	Helps you upgrade equipment and technology without delaying due to capital constraints Available as a term loan or line of credit to match the company’s purchasing frequency. Infrequent buyers may prefer term loans with longer financing structures; frequent buyers may appreciate having readily available cash from a line of credit. Comes with tax advantages that allow you to deduct qualifying equipment in the year it’s purchased and put into service

3 tips for securing financing terms that work for you

Your Truist relationship manager knows your business and your financial picture. They can help match your objectives to the right financing. As you discuss your options, keep these tips in mind.

Federal, state, and local government programs

Qualifying businesses can explore specialized financing programs—such as those run by the U.S. Department of Agriculture—with very flexible rates and terms. Many programs favor projects that encourage entrepreneurship and improve an area’s economy or quality of life.

Your business may also qualify for government programs that extend financing to businesses hit by a disaster, to veteran-owned businesses, and to businesses in a particular sector, such as exporting or manufacturing.

Equity co-investment

Lenders like to see that you’ve invested equity in your company. Be sure to emphasize any contributions you’ve made to your business, including existing cash, retained earnings, stock, real estate, or any other substantive item of value. Contributing equity enables lenders to offer you more favorable terms and rates because you have a stake in your company’s financing and share the risk.

Collateral

Traditional bank loans require collateral, which includes highly liquid or salable assets such as real estate, cash, investments, equipment, or vehicles. Collateral allows lenders to protect their investments. Providing more collateral could mean lower rates and better terms—be sure to ask up-front.

By understanding the purpose behind each funding option and how it supports your cash flow, growth plans, and long-term investments, you can make more confident, strategic decisions. Your Truist relationship manager can help ensure your financing not only meets your immediate needs but also positions your business for sustained success.

Ready for your next capital infusion?

Talk to your Truist relationship manager about financing options that fit your goals, lifecycle stage, and risk tolerance.

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Financing

Get financing that fits your business

Funding for day-to-day operations and cash flow management

Funding for growth, expansion, and transition

Funding for real estate and physical infrastructure

3 tips for securing financing terms that work for you