A request sent through Bellshire Business Funding is reviewed by funding partners, and they set any terms.
Match the product to the cost: one large purchase, a bill that repeats, stock that sells through, or a machine that earns over years. The table below sets the six side by side, and every product has its own page.
Is equipment financing a loan? A Kerrville, TX specialty contractor answer
Yes, in its loan and finance-agreement forms. An equipment loan or equipment finance agreement is debt: the business owns the machine and pays for it over a set term, with the machine itself as security. A lease is different on paper, since the lessor owns the machine until a buyout, but the monthly payment is still an obligation the business must meet.
For a Kerrville, TX specialty contractor buying a trencher or a concrete saw, the practical question is what the partner will ask: the quote, the age of the machine if it is used, and bank statements showing the payment fits. More on the equipment financing page.
What a merchant cash advance is, and why Kerrville, TX specialty contractors should compare it
An MCA sells part of the business's future card or bank receipts to a provider. It is a receivables purchase, not a loan. The provider pays a sum now and collects an agreed total, set by a factor, by taking a percentage of sales each day or week. It is not a loan, has no interest rate in the loan sense, and the total collected is fixed when the advance is signed.
A contractor whose customers pay by check or bank transfer may not fit an advance at all. One that does should compare it with a line of credit, because the cost of an advance does not fall when it is settled sooner. The merchant cash advance page has the arithmetic.
Secured vs unsecured business loans for Kerrville, TX specialty contractors
A secured loan is backed by something the partner can claim if payments stop: the equipment being bought, a vehicle, receivables or a lien on business assets. An unsecured loan has no specific asset behind it, though a personal guarantee from the owner may still be asked for. Security is not a choice the business makes alone; each funding partner sets what it needs for the amount and the risk it sees.
- Security can lower the rate a partner offers, but it puts the asset at stake.
- An unsecured offer may carry a shorter term and a higher rate.
- A guarantee makes the owner personally responsible for the balance; read it as carefully as the loan itself.
Ask any partner exactly what a lien would cover. A blanket lien on all business assets can affect later borrowing.
Types of commercial loans Kerrville, TX specialty contractors compare
| Type | What it pays for | How it is paid back |
|---|---|---|
| Term loan | Movable furnishings or an operating-business acquisition | Fixed monthly payments over a set term |
| Line of credit | Materials and bills that rise and fall | Interest on the balance drawn; repay and draw again |
| Working capital loan | Payroll, rent and supplies while invoices are out | Fixed payments over a shorter term |
| Inventory financing | Stock or materials on order | Paid down as the goods sell |
| Equipment financing | Machines, vehicles and kitchen gear | Fixed payments; the machine secures it |
| Merchant cash advance | Short gaps for card-heavy businesses | A share of daily or weekly sales; not a loan |
Loans to buy or refinance commercial buildings are outside what Bellshire passes on. A home builder weighing a credit line and a restaurant pricing a new range face the same six choices. For a Kerrville, TX business, that leaves these six as the set to compare.
What is a business term loan and when does a Kerr County, TX real estate office use one?
Think of a business term loan as one deposit into the account, followed by a fixed run of identical monthly installments. It fits a cost that happens once and then keeps paying off. Kerr County, TX had 36 real estate agent offices with paid staff in 2023, and 94.4% of them had fewer than five employees (CBP, NAICS 5312); for an office of that size, a term loan might buy out a retiring partner, purchase movable furnishings or equipment for a second suite, or pay for office software and freestanding signs in one go; fixed room work is excluded.
A partner looks at commission history and the office's bank deposits to judge whether the fixed payment fits. The term loan page works an invented purchase through month by month.
What a business line of credit is for a Kerrville, TX specialty contractor
A revolving limit can be drawn, reduced by repayment and used again, subject to the offer's terms. Only the balance in use accrues interest. For a Kerrville, TX specialty contractor, it bridges the weeks between buying stone, wire or ductwork and being paid by the builder or homeowner.
The line has a draw period, a renewal date and sometimes a fee for keeping it open. The line of credit page covers limits, draws and what a renewal review looks at.
Notes on dental offices, salons, child care centers, gyms and motels, and the trades that get longer write-ups, are on the industries page.
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