Starbend Commercial Capital, a Las Vegas, NV funding service, compares six structures here: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Each row shows how the money is repaid, what can secure it and which expense it fits, so owners can shortlist before a partner reviews anything.
The six structures, row by row
| Structure | How it is repaid | Can be secured by | Fits |
|---|---|---|---|
| Working capital | Fixed payments over a shorter term | A blanket lien on business assets | Wages and bills before receipts land |
| Term loan | Set installments blending principal and interest | Business assets; sometimes property | Purchases, build-outs, a second room |
| Line of credit | Interest on drawn balances; repaid amounts can be redrawn | General business assets | Recurring gaps and uneven months |
| Inventory financing | Paid down as the stock sells or on a schedule | The inventory itself | Stock bought ahead of a selling period |
| Equipment financing | Monthly payments across the equipment's useful life | The equipment | Ovens, chairs, imaging, stations, racks |
| Merchant cash advance | A share of future card sales until a set amount is collected | Card receipts still to come (not a loan) | Mostly-card revenue and a brief need |
Four types or six? Answering a common search
Lists of the four types of business loans usually name term loans, lines of credit, equipment financing and working capital loans. Inventory financing is often folded into one of those, and a merchant cash advance is left off because it is a purchase of future receivables, not a loan. Starbend shows all six so owners in Las Vegas, NV can compare them.
Secured or unsecured is the next fork. A secured loan names collateral, such as the equipment being bought or a lien on business assets; an unsecured one relies more on cash flow and credit history and may still ask for a personal guarantor. Neither is better in general; the right answer depends on what you own, what you are buying and how long you need.
Revolving credit or a term loan?
A revolving line of credit lets you borrow, repay and borrow again up to a limit, which suits costs that recur. A term loan delivers one amount for one purpose and is repaid on a set schedule, which suits a purchase with a clear end. A practice that waits on insurance payments might look at both: the term loan for the chair or the scanner, the line for the gap between visits and reimbursement.
Do Nevada LLCs qualify for business loans?
Yes: limited liability companies, corporations and sole proprietors can all apply, and partners generally care more about the business's records than the entity type. An LLC may be asked to show its formation records, bank statements in the company's name and the owner's identity. Some partners also ask owners holding a meaningful stake to sign a personal guarantee, LLC or not.
Not sure which row fits? The industry pages match each structure to how cash moves through a specific trade in Clark County, NV.
Uses partners accept, and uses they refuse
- Wages, rent and supplies during a gap in receipts
- Equipment, fixtures and software
- Stock ahead of a buying season
- Suite build-outs, moves and a second site
- Buying an existing practice, firm or client book
Personal expenses, consumer purchases and real estate bought as an investment are outside what Starbend arranges. Each partner sets its own use-of-funds conditions in the offer.
By Starbend Commercial Capital · Updated