Fieldstone Lending, a small-business funding broker in Gillette, Wyoming, compares six funding structures in one place: working capital, term loans, lines of credit, inventory financing, equipment financing and merchant cash advances. Each row shows how the money goes back, what it usually pays for and what partners look at. Approval and price come from the partner that reviews the file, not from S Gillette Ave.
All six structures in one Gillette, WY table
| Structure | How it goes back | Usually pays for | What partners commonly review |
|---|---|---|---|
| Working capital | Scheduled payments over a short span | Wages, supplier bills, a tax payment | Recent deposits and how even they are |
| Term loan | Level installments until the balance is gone | Finish-outs, a move, a refinance | Years open, cash flow, debts already owed |
| Line of credit | Interest only on draws; repaid room can be reused | Gaps that recur between paying and being paid | Statements, receivables list, credit file |
| Inventory financing | Payments track the financed goods | Goods ordered ahead of the sale | How fast stock turns, supplier invoices, the goods as collateral |
| Equipment financing | Installments, or rent on a lease | Machines, work trailers, fixtures | The asset, its age and value, the seller's quote |
| Merchant cash advance | Remittances out of future receipts (never a loan) | Card-heavy sales needing cash now | Card or bank receipt history |
Reading the table if this is your first request
Start in the second column, not the first. How money goes back tells you more about fit than the product's name does. A business paid by card every day can carry remittances that a contractor paid by monthly draw cannot; a contractor's lumpy receipts can carry a draw on a line that a fixed weekly payment would strain.
Then read the last column as a checklist. Whatever partners commonly review for the structure you lean toward is what to gather before the first call. Bank statements appear in almost every row, so pull the last six months now.
Matching the length of the money to the life of the expense
Working capital and most merchant cash advances suit costs that pay themselves back soon. A term loan or equipment financing spreads the cost across the years the purchase keeps earning. Getting this match wrong is expensive in both directions: years of payments for a two-week wage gap means paying interest long after the gap closed, while short money for a finish-out crowds every month that follows.
A line of credit sits between the two. The limit can stay open for a long time, but each draw is meant to be cleared as the related invoices are paid.
Secured, unsecured, and what counts as collateral
Collateral is whatever a partner can claim if the debt is not repaid. For equipment and inventory financing it is usually the machine or the stock being bought. Other structures may rely on receivables, a lien on general business assets, or a personal guarantee from the owner instead of a specific asset. Unsecured, in this market, usually means no single asset is pledged; it rarely means nothing at all is at stake.
Before signing, ask the partner to list in writing every asset or guarantee the agreement reaches. Two offers with the same payment can put very different things at risk.
Business money and personal money
Owners sometimes ask whether a business line of credit can cover personal costs. These structures are made for business purposes, and a partner's agreement normally limits use to the business. Keeping the accounts apart also keeps the bank statements a partner reads clean and easy to follow.
SBA-backed lending and where it sits
Participating lenders, not the agency itself, make SBA-backed loans under U.S. Small Business Administration lending programs. Fieldstone Lending neither makes nor places SBA-backed loans. For SBA programs and Wyoming contacts, the SBA's Wyoming District Office page (sba.gov/district/wyoming, checked 2026-10-16) is the place to begin.
Records first, structure second
Whatever structure you lean toward, a partner will compare the business name on your filings, bank statements and invoices. If you operate under a trade name, the Wyoming trade name guide covers searching and recording it before a request goes out.
By Fieldstone Lending · Updated
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