Change Your Debt Mindset
Borrowing to Grow Your Business Shouldn’t Be Scary
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Some of lifes greatest achievements
come from taking chances.

When we step outside our comfort zones,
we step into opportunities for growth.

This is no different when it comes to running a small business. Deciding to open a business is a big leap, and business owners have to be brave in their decision making to keep their businesses afloat.

Borrowing for your small business and acquiring debt can seem intimidating, but much of the fear of debt stems from its negative connotations. People assume that debt is always the result of something unfortunate like irresponsible spending choices or unexpected financial disasters. But many people fail to consider that debt can be the result of strategic financial decisions.

When you come into it responsibly, debt is a powerful tool. With it, you can grow your business and achieve your goals much faster than if you relied only on revenue. Good debt can make it possible to upgrade equipment, hire staff, open a new commercial space, or whatever form of growth your small business may need.

No matter what you’re borrowing for, debt is part of getting to that next level for your small business. It doesn’t have to be scary if you reframe your thinking about debt to reflect what it means for you and your business.

The key is to remember that you’re doing what’s right for your business and be prepared with debt management strategies.

Start by deciding when your business can handle debt, and then find a lender you trust to start a borrowing relationship. Know how to spot predatory lenders and choose a lender that will have you and your business’s best interests in mind. With the right people behind you, debt can feel like another part of everyday operations rather than a heavy burden.

And when the application process brings up that fear, remind yourself of the dream those funds will support.

You were brave enough to start your own small business, so why should debt scare you?

Take the first step and Apply for a Loan Now. There is no obligation, just information!

5 Reasons to take a small business loan
  • Funding Growth: Use a loan to expand operations, scale up and generate more revenue
  • Purchase Inventory: Stock up before a busy season, lower cost by using volume discounts or purchasing closeout lots.
  • Hiring Staff: Hire and train fresh talent that can generate additional revenue.
  • Equipment upgrades: Repair or replace old equipment to keep your operation running efficiently.
  • New Business Opportunities: Take advantage of business or investment opportunities that have a good ROI.

Prime Equity Funding
Line of Credit

Used to manage cash flow,
such as buying inventory
or making payroll

Get a revolving line of credit,
so you can access cash
when you need it

Learn More

Loan amounts of $6K–$250K
upto 36-month repayment terms, resets after
each withdrawal

Prime Equity Funding
Term Loan

Used for investments in your business,
such as expansion projects or large

Get a one-time lump sum of cash upfront,
You can apply for more with an option of interest
forgiveness when you’re just 30% paid down

Learn More

Loan amounts of $5K–$1M
Repayment terms up to 36 months

Minimum eligibility requirements for an Prime Equity Funding Term Loan or Line of Credit
Let's see
if were a
Minimum Requirements
Time In Business 1 year
Personal FICO Score 600
Business Annual Gross Revenue $100K
Business Checking Account Yes
Applying for a small business loan has never been this easy.
Applying for a line of credit at Prime Equity Funding is quick and simple
Get Started

Our simple 3 step application is all you need to apply. You can apply online or over the phone.

A dedicated loan advisor will be assigned to your company & will contact you to review your options.

Complete the online agreement form and receive your funds as soon as the same day.*

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Depending on the state where your business is located and other attributes of your business and the loan, your business loan may be issued by a member of the Prime Equity Funding family of companies. Your loan agreement will identify the lender prior to your signing. Loans subject to lender approval. Prime Equity Funding® is a Registered Trademark. All rights reserved.