Need Financing for business?

I have a small construction business (1-1.5 mil gross) and I need cash flow money to do payroll and expenses from month to month. I have bad credit (all from keeping the business afloat) but I have a good business and client base. Any suggestions?

I would strongly recommend that you talk to a business counselor before you do anything especially spend money. I'd call the local office of SCORE (go to http://www.score.org and input your zip code to find the chapter nearest you), the advice is FREE.

The counselor at SCORE will most likely advise you to write a business plan which is very good advice because it will force you to dig out all of the financial details you'll need to go look for financing. It will also force you to also take a new look at all of the aspects of your construction business including the customers you'll concentrate on (your market ) and how you'll go after them.


Try this link :
http://www.ychange.com/small-business-co... and read some of the articles especially the ones about a business plan and financing a business.
Good Luck

That depends on what you mean by bad credit. 720? 620? 575? chargeoffs defaults judgements?

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You can first gather complete information regarding these types of loans. Move ahead in business with bad credit business loans. An effective way to get rid of your bad credit score and to speed up your-->business dealings is bad credit business loans. You can maintain your perfect credit score as long as you pay off your installments in time. This credit score improvement can enable you to avail any future loan with better terms and conditions.

The SBA has various types of small business loans. The Basic Loan Guaranty program is designed for those small businesses who will not get the loans from the lenders. These loans are disbursed by the commercial lenders with SBA acting as a guarantor. The Certified Development Company (CDC) Loan Program is ideal if you want to buy a property or machinery to expand or modernize your existing operations. This is a long-term loan with a fixed-rate of interest. You need to contribute 10% of the amount as equity. The micro loan program is a short-term loan with limit not more than $35,000.
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