Financing Your Business: “Where’s The Money?” Part 2


By Alvin E. Terry, MBA/ Business Consultant, Dynamic Business Builders

Entrepreneur’s Tool Box

Now that you have been exposed to the first stages of Start-Up Capital and your Business is ready to go to the next level, or if you are already there, then this information can be useful for you.

“Commercial Financing” can take on a variety of shapes and forms. The vocabulary that is necessary in order to navigate through the maze of terms is like taking on a Finance class in itself. This article will include a lot of terms that may or may not be relevant to your business organization, but for the readers it just might open up a new world of financing possibilities that you never knew existed.

All of the definitions have been omitted for the sake of research for yourself. These terms are widely used in the industry. It is always best to know the lingo as you proceed with the growing of your business. Here we go with the different levels of investing:

  • Start-up
  • Seed Money
  • Accounts Receivable Financing
  • Mezzanine Financing
  • Buyout
  • Acquisition
  • First Stage Expansion
  • Second stage Expansion
  • Third Stage Expansion
  • Capital Improvement Financing
  • Venture Capital Firms
  • Private Equity Firms
  • Commercial Lenders
  • Credit Unions
  • Hard Money lenders
  • Stock Buyouts
  • Investment Bankers
  • Factoring
  • Money management Firms
  • Life Insurance Companies
  • Bank Loan
  • Bridge Financing
  • International Trade Financing
  • Lines of Credit
  • Franchising
  • Licensing
  • Limited Partnerships
  • Joint Ventures
  • Public Offerings
  • Off-Balance-Sheet
  • Real Estate Loans
  • SBA Loans
  • Single Use Property Loans
  • Sale/Leaseback Financing
  • Syndication
  • Working Capital
  • Equipment Lease Financing
  • Debt Financing
  • Asset Based Lending
  • Trust Accounts
  • Private Placements
  • Secured Lines of Credit
  • Recourse Paper
  • Non-recourse Paper
  • Exchange Rates
  • Employee Stock Ownership Plans
  • First Mortgages
  • Second Mortgages
  • Contract Financing
  • Purchase Order Financing
  • International Banking
  • Prime Rate
  • Fixed or Floating Rates
  • Inventory Financing
  • Grants
  • Foundations
  • Endowments
  • Industrial Revenue Bonds
  • Barter
  • TIRZs
  • Prepayment Penalty
  • Faith Based Lending
  • Base Rate or Floor Rate
  • Ceiling Rate
  • Cap Rate
  • Adjustable Rate

If you are in Business odds are some of the terms will apply to you at some time in some form or fashion. I hope that the above list will help you get organized financially. I know that it will help you talk to the people who have the money. Remember “Knowledge is Power”.

You can contact Alvin E. Terry, MBA

Directly at 713-392-9107 or by email at [email protected]


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Alvin E. Terry, MBA/ Business Consultant, Dynamic Business Builders

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