Where can capital make the most difference?

FINANCING

Day-to-day management work may pay the bills, but it’s your long-term vision that will lead you where you want to go. Do you know what financing it will take to make those plans a reality? You certainly don’t want to miss an opportunity to expand. How can access to capital help your company branch out and grow profits and market share along the way? 

Start by reviewing your primary financial goals. How would you describe your business plans for this year? Are you looking to improve, grow, or rebuild your company? Pick the primary strategy that fits your business. Use the chart below to consider the impact of potential investments on your business. 

Where could your company use capital? What type of capital does your company need? Which capital sources fit your business? 

These exercises can help you find direction in no time! Ask your business advisors, like your accountants, attorneys, and bankers for assistance.

Review your primary financial goals.
Improve Grow Rebuild
Goals Build on and improve your current business operations Acquire new geographic markets, employees, customer segments, products, partners, competitors Restructure ownership and ignite sales efforts while rethinking cost structure
Inputs to consider
  • What are the key drivers to income?
  • What would drive greater output?
  • What would reduce costs and increase profits?
  • Are there hidden costs in inventory turns, financing, collections times?
  • What would drive greater revenue? New products? New markets?
  • How can I grow the market?
  • What are the lowest cost ways to acquire greater share of market?
  • Are there partners who want to exit?
  • Do you need greater personal access to earnings?
  • Do you need to transition expenses to equity-assets?
Potential uses of capital
  • Equipment to improve productivity
  • Information technology to improve forecasting and inventory management
  • Finance large customer orders
  • Real estate or equipment purchase to reduce monthly expenses
  • Business acquisition
  • Expanding domestic distribution or exporting to new markets
  • Hiring new employees
  • Real estate acquisition for new locations
  • Developing new products
  • Partner buyout
  • Real estate or equipment buy lease-back
  • Retirement financing
  • Division of business assets
Potential sources of capital
  • SBA 7(a) - equipment, working capital
  • Equipment leasing
  • SBA 504 (real estate)
  • Vendor credit
  • Receivables factoring
  • SBA 504 (real estate)
  • SBA 7(a) - working capital, acquisition
  • SBA Express loans and lines of credit
  • Traditional secured financing
  • Receivables factoring
  • Secured line of credit
  • Vendor credit
  • SBA 7(a) - goodwill
  • SBA 504 - real estate purchase
  • SBA specialty - for certain owners
  • Equity investors (VC/Angel)
  • Traditional secured financing (real estate or equipment buy lease-back)

This exercise is a great way to start conversations about your business’s current initiatives and options. Who you choose to include in those conversations will depend on the stage of your company and your business goals. Consider advisors like your CPA, attorney, and transactional consultants like business and commercial real estate brokers. Your Truist relationship manager can help you evaluate the impact of new capital on your business.

Match your strategy with capital to grow.

Looking for the best way to finance your business plans? Talk to your Truist relationship manager about finding capital that fits your vision for your company’s future.

Related resources

    {0}

    {0}

    {2}
    {6}
    {7}
    {8}
    {9}
    {12}
    {10}
    {11}

    {3}

    {1}
    {2}
    {6}
    {8}
    {9}
    {10}
    {11}
    {14}
    {12}
    {13}
    {1}
    {2}
    {7}
    {8}
    {9}
    {10}
    {11}
    {14}
    {12}
    {13}
    Component ID : "accordionGridLayout-1624256768"
    Model : "disclaimer"
    Position : "left"

    Disclosures

    Truist Bank, Member FDIC. © 2025 Truist Financial Corporation. Truist, the Truist logo, Truist Purple, LightStream, and the LightStream logo are service marks of Truist Financial Corporation.

    Equal Housing Lender

    Investment and Insurance Products:

    • Are Not FDIC or any other Government Agency Insured
    • Are Not Bank Guaranteed
    • May Lose Value

    TRUIST is a service mark of Truist Financial Corporation (Truist) and its affiliates.

    Services provided by Truist Financial Corporation (Truist) affiliates: Banking products and services, including loans and deposit accounts, provided by Truist Bank, Member FDIC. Trust and investment management services provided by Truist Bank. Securities, brokerage accounts and/or annuities offered by Truist Investment Services, Inc., an SEC registered broker-dealer, and member FINRA and SIPC, and a licensed insurance agency. Investment advisory services offered by Truist Advisory Services, Inc. and GFO Advisory Services, LLC, SEC registered investment advisers. Some insurance products offered by Truist Investment Services, Inc. Other insurance products offered by Marsh & McLennan Agency, LLC (as successor in interest to McGriff Insurance Services, LLC) CA License #0H18131, Kensington Vanguard National Land Services, and Crump Life Insurance Services. Truist Life Insurance Services (TLIS) is a division of Crump, Arkansas License #100103477. Variable insurance material is for broker-dealer or registered representative use only. Variable products distributed by P.J. Robb Variable, LLC, Arkansas License #100110185. Member FINRA.

    Marsh & McLennan Agency LLC, Kensington Vanguard National Land Services, Crump Life Insurance Services, Truist Life Insurance Services, and P.J. Robb Variable, LLC are not affiliated with Truist Financial Corporation or any of its subsidiaries.

    Truist Securities is a trademark of Truist Financial Corporation. Truist Securities is a trade name for the corporate and investment banking services of Truist and its subsidiaries. All rights reserved. Securities and strategic advisory services are provided by Truist Securities, Inc., member FINRA and SIPC. Lending, financial risk management, and treasury management and payment services are offered by Truist Bank.

    Mortgage products and services are offered through Truist Bank. All Truist mortgage professionals are registered on the Nationwide Mortgage Licensing System & Registry (NMLS), which promotes uniformity and transparency throughout the residential real estate industry. Search the NMLS Registry.

    Comments regarding tax implications are informational only. Truist and its representatives do not provide tax or legal advice. You should consult your individual tax or legal professional before taking any action that may have tax or legal consequences.

    "Truist Advisors" may be officers and/or associated persons of the following affiliates of Truist, Truist Investment Services, Inc., and/or Truist Advisory Services, Inc. Truist Wealth, International Wealth, Center for Family Legacy, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups are trade names used by Truist Bank, Truist Investment Services, Inc., and Truist Advisory Services, Inc.

    Applications, agreements, disclosures, and other servicing communications provided by Truist Bank and its subsidiary businesses will be provided in English. As a result, it will be necessary for customers to speak, read and understand English or to have an appropriate translator assisting them. Please note that Truist provides translations of webpages, documents and disclosures as a courtesy and in the event of any inconsistencies or discrepancies between the English content and the translated content, the English content supersedes the translation. Truist offers phone support in Spanish at 844-4TRUIST (844-487-8478), option 9. For assistance in other languages, please speak to a representative directly.

    New York City residents:

    Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

    Borrowers with Limited English Proficiency (LEP) needing information can use the following resources:

    The Consumer Finance Protection Bureau (CFPB) also provides additional resources for homeowners seeking payment assistance in select languages at: https://www.consumerfinance.gov/housing/housing-insecurity/help-for-homeowners/

    Site footer

    Footer Navigation

    Banking products
    About Truist
    Resources
    Support

    © 2025, Truist. All Rights Reserved.