With so many funding options available, the hardest part often isn’t qualifying — it’s knowing what to even ask for. These five questions will point you in the right direction.
Ask yourself:
- Is this a one-time cost or an ongoing need? One-time points toward a term loan or equipment financing. Ongoing or unpredictable points toward a line of credit.
- Do I know the exact dollar amount I need? A specific number suggests a term loan. An uncertain, fluctuating need suggests a flexible line of credit.
- Am I financing equipment, inventory, or general operations? Equipment and vehicles often qualify for financing where the asset itself is collateral — usually faster and more favorable terms than general working capital.
- Do I have outstanding invoices from reliable customers? If so, invoice factoring may unlock cash you’re already owed, without taking on new debt.
- How fast do I need the funds? If it’s urgent — days, not weeks — that narrows your options considerably and should shape the conversation from the start.
Why this self-assessment works
Most confusion in funding comes from being pitched a product before anyone understands the actual need. Answering these five questions first puts you in control of the conversation instead of reacting to whatever’s offered.
- Speed: Once you know what you need, we can move on a real answer in 24-48 hours.
- Flexibility: We match the funding type to your actual answers — not a one-size-fits-all pitch.
- Transparency: We’ll walk through your answers with you and explain exactly why a given option fits.
And every deal we fund contributes to Feeding America — clarity that creates impact beyond your business.
Answered these five questions? Let’s talk through what they point to.
Let’s talk it through
No pressure and no pitch. Tell me what you’re working on, and I’ll tell you what’s realistic.
Talk With MichaelRead the Funding FAQ
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