Growth without capital is nearly impossible. Many ownerschase funding reactively instead of strategically. A structured funding strategy ensures you have the right money at the right time.
## Step 1: Identify Growth Phases
Different needs arise at different stages:
- Startup: seed capital, credit cards, friends/family.
- Growth: SBA loans, lines of credit, equipment financing.
- Expansion: private equity, mezzanine debt, larger credit facilities.
## Step 2: Match Capital to Needs
Don’t use short-term loans for long-term projects. Align terms with use of funds.
## Step 3: Keep Credit Clean
Both personal and business credit must remain strong. Monitor reports regularly.
## Step 4: Diversify Sources
Relying on one bank or product is risky. Mix traditional and alternative lenders.
### Example
PAC Consulting structured a $2M capital stack for a developer using a mix of SBA financing, private credit, and equipment loans—each matched to a growth phase.
PAC Consulting builds funding strategies nationwide so owners can grow with confidence.