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While most business owners are familiar with traditional financing available through local banks, there are many other sources of capital that can meet your needs for growth and expansion.

Equity Capital

Equity capital generally is composed of funds that are raised by a business in exchange for an ownership interest in the company. This interest can be in the form of ownership of common or preferred stock or instruments that convert into stock.

In addition to taking an ownership interest in your company, equity investors may also participate as a member of the company’s board of directors and take an active role in managing your company. However, in comparison to debt financing, or loans, which must be repaid over time, equity financing does not have to be repaid.

While equity investing can come from family and friends, it’s often raised from high net-worth individuals or from venture capital or private equity firms. Investors are looking for early stage companies that can’t yet obtain traditional financing; a return on their investment of at least 30-40 percent and a clear strategy to realize their investment within 3-7 years.

What makes a company attractive for equity investment?

There are many loan products available for your business.  As a business owner, you have to find the financial product and service that matches your needs for the growth and operation of your company.  

Every lender has unique eligibility and application requirements, but lenders often look for the same basic documentation such as personal and business credit reports, bank statements, financial statements and your business plan.  

Loan Documentation List