- Line of credit – short term working capital
- Term loan – real estate, equipment or other long term capital requirements
- Guarantee based programs:
Small Business Administration (SBA)
CalCap – California Capital Access Program
State loan guarantee - Economic development programs such as CEDLI
- Character – responsibilities and treatment of employees and customers
- Cash flow – debt handling, repayment record, debt liquidity and ratios
- Collateral – hard assets, real estate, capital equipment, accounts receivable
- Capital – skin in the game, business resources, own risk
- Conditions – economic conditions, market sensitivity ,expense management