Maturity of the Business

Where your business is in its financial life cycle — from startup to aging — will often dictate the availability of certain financing alternatives.

Startup businesses typically face the greatest obstacles to obtaining financing because they lack a performance record and a credit history.
Acquired businesses face fewer obstacles than those being started from scratch, and might have seller financing as an option.
Growing businesses generally have more financing options because as a business matures, it establishes creditworthiness and operating success.
Aging businesses tend to be cash-rich because new investment is not taking place. Owners are often searching for the best way to sell out.

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Small Business Guide

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