---
title: Funding Options 2018
description: Looking into some of the funding options for mid- and large-sized businesses in 2018.
image: https://www.bayviewfunding.com/hubfs/bigstock-Index-Graph-Of-Stock-Market-Fi-203797111.jpg
---

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# Bay View Funding Blog

## [Funding Options 2018](https://www.bayviewfunding.com/blog/funding-options-2018)

Posted by [Seth Herman](https://www.bayviewfunding.com/blog/author/seth-herman) on Wed, Mar 21, 2018 @ 10:38 AM

![Funding options for medium- and large-sized businesses in 2018](https://www.bayviewfunding.com/hs-fs/hubfs/bigstock-Index-Graph-Of-Stock-Market-Fi-203797111.jpg?width=300&name=bigstock-Index-Graph-Of-Stock-Market-Fi-203797111.jpg "Funding options for medium- and large-sized businesses in 2018")

 

At some point, every business needs extra capital to fund growth. If you’re a mid-sized or large business, the amount you need may be a large number. Learn what your funding choices are and how you might use capital for business growth in 2018.

 

**Reasons Businesses Pursue Funding**

Businesses might be seeking to grow in one of the following ways:

- Purchasing fixed assets. Your business might need new trucks, large machinery, or other major equipment.
- Filling big orders. Your business may have been growing steadily to the point you need to produce on a larger scale, but more materials and employees cost more money.
- Offering new products. Your business has the next big thing, but first you have to produce and market it.

**Business Loans**

If a business has been open for two years or more, and can prove [profitability](http://www.businessdictionary.com/definition/profitability.html) during that time in a profit and loss statement (P&L), the business may be eligible for a business loan. Said business will need strong financials and a robust revenue stream, among other things.

Lenders want to be confident that they will get their money back, so they require owners to have strong credit, both personally and through their business. Typically, lenders are more willing to extend credit when business have collateral to pledge.

**Online Financing**

Online alternative financing companies offer smaller amounts, with terms from one to five years. They are easier to qualify for, but also can come with higher interest rates, charging up to [30 percent](https://www.lendgenius.com/business-loans/term-loans/).

**Invoice Factoring**

Invoice factoring provides businesses with funding without having to get a traditional loan.

An invoice factoring company buys invoices for cash, providing a business with up to 85 percent of the amount its customers owe quickly, relieving the business of the typical 30- to 90-day wait period. When customers pay their invoice, the business receives the rest of the amount due minus the factoring fee. Factoring has several benefits:

- Your business receives funds quickly. Invoice factoring can put cash in your hands in days - sometimes as little as 24 hours.
- It’s easier to get approved. Factoring companies more heavily weigh the creditworthiness of a company’s customers, so a business may be able to get funding even with [poor credit](https://www.bayviewfunding.com/blog/invoice-factoring-cash-flow-solutions-for-bad-credit#.WnzkblQ-dsM).
- No asset proof required. Factoring depends on the value of your invoices, not the real estate or inventory your business owns.

Bay View Funding has been providing fast invoice factoring and dependable service for over 30 years. See more of what we can do for your business when you [contact us](https://www.bayviewfunding.com/contact) today.

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