{"id":2493,"date":"2017-08-08T13:21:15","date_gmt":"2017-08-08T13:21:15","guid":{"rendered":"https:\/\/brightpearl20.wpengine.com\/how-a-business-loan-can-fuel-your-multichannel-retail-growth\/"},"modified":"2021-02-04T09:45:23","modified_gmt":"2021-02-04T09:45:23","slug":"how-a-business-loan-can-fuel-your-multichannel-retail-growth","status":"publish","type":"post","link":"https:\/\/www.brightpearl.com\/blog\/how-a-business-loan-can-fuel-your-multichannel-retail-growth","title":{"rendered":"How a Business Loan can Fuel Your Multichannel Retail Growth"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p><span style=\"background-color: transparent; letter-spacing: 0px;\">Retailers of all sizes are increasingly using multichannel strategies to expand their sales base. <\/span><span style=\"background-color: transparent; letter-spacing: 0px;\">But growing a multichannel retail business is easier when you have capital on hand to fund your needs. This could be where a business loan can help with making progress toward your growth goals.<\/span><\/p>\n<p><span style=\"background-color: transparent; letter-spacing: 0px;\"><!--more--><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Small business financing falls into one of two very broad categories: <strong>equity or debt financing.<\/strong> Equity financing involves getting funding from investors in exchange for an ownership share in your business. Debt financing involves borrowing money from a bank and repaying it over time out of your business\u2019 cash flow.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Of the two, <\/span><a href=\"https:\/\/bondstreet.com\/blog\/understanding-debt-vs-equity-financing\/\"><span style=\"font-weight: 400;\">debt financing<\/span><\/a><span style=\"font-weight: 400;\"> is more attractive if you don\u2019t want to sacrifice any equity in your business, and maintain complete ownership in your labor of love. Business loan limits can be quite generous, with some offering amounts of up to $5 million. Repayment terms can last from a few months to 25 years, with fixed or variable interest rates.<\/span><\/p>\n<h3><strong>How can you use a Business Loan?<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Business loans are extremely versatile and they can offer a plethora of possibilities to you. For example, you might use a business loan to:<\/span><\/p>\n<ul>\n<li><strong>Move or improve your space. <\/strong><span style=\"font-weight: 400;\">A loan can provide financing to open a second retail location, purchase a <a href=\"https:\/\/www.brightpearl.com\/warehouse-management-system\">warehouse<\/a> for storage, create a pop-up shop, set up new office space or renovate your current location to give it a fresh feel. <\/span><\/li>\n<\/ul>\n<ul>\n<li><strong>Purchase <a href=\"https:\/\/www.brightpearl.com\/inventory-management-system\">inventory<\/a> or equipment. <\/strong><span style=\"font-weight: 400;\">A business loan can make it easier to purchase inventory to stock your shelves. Alternatively, you could use a business loan to develop new products for your own line. <\/span><\/li>\n<\/ul>\n<ul>\n<li><strong>Expand your team. <\/strong><span style=\"font-weight: 400;\">If business is booming, you may need to add to your staff to keep up with the pace of demand. A business loan could help with the costs of hiring and training new team members. <\/span><\/li>\n<\/ul>\n<ul>\n<li><strong>Cover operational costs. <\/strong><span style=\"font-weight: 400;\">When you need working capital, a business loan can be used to pay for things like advertising, <a href=\"\/10-tips-for-a-great-ecommerce-website\" target=\"_blank\" rel=\"noopener noreferrer\">a redesign of your ecommerce website<\/a>, expansion into wholesale operations, the development of a new <a href=\"https:\/\/www.brightpearl.com\/sales-channel-strategy\">sales channel<\/a>, an investment in multichannel retail management software like <\/span><span style=\"font-weight: 400;\">Brightpearl<\/span><span style=\"font-weight: 400;\">, or simply to stock on up extra inventory ahead of your busy season. It can also be a solution to meet your <\/span><a href=\"https:\/\/bondstreet.com\/blog\/cash-flow-finance\/\"><span style=\"font-weight: 400;\">cash flow finance<\/span><\/a><span style=\"font-weight: 400;\"> needs, and alleviate pressure if you find yourself short on funds.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The flexibility that business loans offer, paired with higher borrowing limits and the opportunity to extend repayment over the long term, make them well suited to meeting virtually any need your business might have.<\/span><\/p>\n<h3><strong>Business Loans: What are your options? <\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Business loans aren\u2019t all alike and it\u2019s important to understand how different financing avenues compare. With that in mind, here are some options to consider.<\/span><\/p>\n<h3><span style=\"font-size: 24px;\"><strong>1. Term Loans<\/strong><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loan amount \u2013 $10,000 to $1 million<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loan term \u2013 1 to 10 years<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Interest rate \u2013 6% to 30%<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Funding speed \u2013 As little as 2 business days<\/span><\/li>\n<\/ul>\n<p><strong>Best for<\/strong><span style=\"font-weight: 400;\">: Established businesses that need funding for short- or long-term growth.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As the name implies, a term loan allows you to borrow and repay your loan over a set term. Borrowing limits can be generous and the interest rates are competitive for borrowers with good credit. Online lenders offer quick funding and depending on the lender and the loan amount, collateral may or may not be required. One thing term loan lenders will look for, however, is a longer operating history and established revenues so this one might not work for newer businesses.<\/span><\/p>\n<h3><span style=\"font-size: 24px;\"><strong>2. Small Business Administration Loans<\/strong><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loan amount \u2013 $5,000 to $5,000,000<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loan term \u2013 5 to 25 years<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Interest rate \u2013 6% to 13%<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Funding speed \u2013 1 to 6 months<\/span><\/li>\n<\/ul>\n<p><strong>Best for: <\/strong><span style=\"font-weight: 400;\">Both startups and established businesses who may need longer loan terms or the lowest interest rates.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.sba.gov\/\"><span style=\"font-weight: 400;\">Small Business Administration<\/span><\/a><span style=\"font-weight: 400;\"> is another source that multichannel retailers can look to for business loans. The SBA offers several loan programs that are designed to meet different needs, based on how long you\u2019ve been in business for and how much you need to borrow. SBA loans typically offer the best interest rates, but there\u2019s one caveat: of the various business loan options available, this one may have you waiting longer to receive funding.<\/span><\/p>\n<h3><span style=\"font-size: 24px;\"><strong>3. Accounts Receivable Financing<\/strong><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loan amount \u2013 Up to 90% of outstanding invoices<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loan term \u2013 Typically 30 days to 90 days<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Factor fee \u2013 1% to 5% processing fee, plus a percentage of outstanding invoices<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Funding speed \u2013 24 hours to 2 weeks<\/span><\/li>\n<\/ul>\n<p><strong>Best for:<\/strong><span style=\"font-weight: 400;\"> Business owners that need short-term funding and have accounts receivable.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Accounts receivable financing uses the value of your outstanding invoices as collateral. This kind of loan is often used to cover short-term needs. Funding speed may be quick, depending on the lender but one thing to watch out for is the cost. In some instances, accounts receivable financing may prove more expensive than term or SBA loans.<\/span><\/p>\n<h3><span style=\"font-size: 24px;\"><strong>4. Equipment and Construction Loans<\/strong><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loan amount \u2013 $5,000 to $1,500,000<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loan term \u2013 6 months to 10 years<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Interest rate \u2013 7% to 30%<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Funding speed \u2013 4 to 10 days<\/span><\/li>\n<\/ul>\n<p><strong>Best for: <\/strong><span style=\"font-weight: 400;\">Established businesses that need to purchase equipment or renovate their retail store premises.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An equipment or construction loan might make sense if you\u2019re planning to buy expensive equipment for your business, or tackle a major construction project. You can typically use the equipment or property as collateral and longer loan terms may be an option if you need to borrow a larger amount. Bear in mind, however, that you\u2019ll need to have an established business to qualify.<\/span><\/p>\n<h3><strong>Advice for researching Business Loans<\/strong><\/h3>\n<p><span style=\"font-weight: 400;\">Business loans can be helpful to your multichannel retail operation in more ways than one and it\u2019s important to choose the right financing option.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re thinking of using a loan to expand your team or to open an additional location, it\u2019s important to assess the value a growth opportunity adds to your business. If it would help to drive up sales, would the boost be big enough to justify the cost of borrowing?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finally, the easiest way to answer this is to think about the ROI for the <\/span><a href=\"http:\/\/bondstreet.com\/blog\/cost-of-capital\"><span style=\"font-weight: 400;\">cost of capital<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><span style=\"background-color: transparent; letter-spacing: 0px;\">Comparing lenders, loan products and the costs of borrowing can help you pinpoint the loan that\u2019s going to be most effective for growing your business, without being too taxing on your bottom line.<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Retailers of all sizes are increasingly using multichannel strategies to expand their sales base. But growing a multichannel retail business is easier when you have capital on hand to fund your needs. This could be where a business loan can help with making progress toward your growth goals.<\/p>\n","protected":false},"author":10,"featured_media":3503,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[116],"tags":[],"class_list":["post-2493","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-control"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How a Business Loan can Fuel Your Multichannel Retail Growth - Brightpearl<\/title>\n<meta name=\"description\" content=\"Debt financing is more attractive if you don\u2019t want to sacrifice any equity in your business, and maintain complete ownership in your labor of love.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.brightpearl.com\/blog\/how-a-business-loan-can-fuel-your-multichannel-retail-growth\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How a Business Loan can Fuel Your Multichannel Retail Growth\" \/>\n<meta property=\"og:description\" content=\"Debt financing is more attractive if you don\u2019t want to sacrifice any equity in your business, and maintain complete ownership in your labor of love.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.brightpearl.com\/blog\/how-a-business-loan-can-fuel-your-multichannel-retail-growth\" \/>\n<meta property=\"og:site_name\" content=\"Brightpearl\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/BrightpearlHQ\" \/>\n<meta property=\"article:published_time\" content=\"2017-08-08T13:21:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-02-04T09:45:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.brightpearl.com\/wp-content\/uploads\/2017\/08\/how-a-business-loan-can-fuel-your-multichannel-retail-growth-min.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"789\" \/>\n\t<meta property=\"og:image:height\" content=\"392\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@BrightpearlHQ\" \/>\n<meta name=\"twitter:site\" content=\"@BrightpearlHQ\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brightpearl\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.brightpearl.com\\\/blog\\\/how-a-business-loan-can-fuel-your-multichannel-retail-growth\",\"url\":\"https:\\\/\\\/www.brightpearl.com\\\/blog\\\/how-a-business-loan-can-fuel-your-multichannel-retail-growth\",\"name\":\"How a Business Loan can Fuel Your Multichannel Retail Growth - 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