Cookie-cutter financing rarely fits the unique needs of growing businesses. Custom loan structures allow you to match your financing to your specific business model, revenue patterns, and growth objectives.
Why Standard Loans Fall Short
Every business is different. A seasonal retailer has different cash flow patterns than a year-round service provider. A construction company has different capital timing needs than a restaurant. Standard loan products force diverse businesses into identical structures.
Types of Custom Financing
Revenue-Based Financing
Payments scale with your revenue. During peak months, you pay more and reduce your balance faster. During slow months, payments decrease to protect your cash flow. Read about how revenue-based financing builds credit.
Customized Term Loans
Choose your loan term, payment frequency, and structure based on your specific needs. Terms range from three months to five years depending on the amount and purpose.
Hybrid Structures
Some businesses benefit from combining a term loan for a major purchase with a line of credit for operational flexibility. This creates a comprehensive financing package tailored to your needs.
How to Determine the Right Custom Loan
Answer these questions:
What is the specific purpose of the funding? Equipment, expansion, inventory, working capital, or debt consolidation each suggest different structures.
What is your revenue pattern? Consistent monthly revenue works with fixed payments. Variable revenue benefits from flexible structures.
How quickly do you need the capital? Timeline urgency narrows or broadens your options.
What is your repayment comfort zone? Calculate what monthly payment your cash flow can comfortably support.
Our complete financing comparison helps you match your needs to the right product.
The SBA provides guidance on choosing between different loan structures for your specific situation.
Design your custom financing package with Arkadian Capital's funding specialists.