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According to your post - no credit cards so business cash advances are out.
That leaves the following:
SBA backed loans - might be your best bet as these programs are picking up.
Personal loans for the founders or senior management - there are companies that provide up to $125K in personal loans.
Accounts receivable factoring - you can get a loan or line of credit based on your current level of accounts receivables. Factor all of them or only some of them (get a line of credit based on your revolving a/r balance) - thus, you get your payments faster - helping to build your growing business. - There is also purchase order financing - you have an order in hand but lack the capital to complete the job - get capital now to complete the order (including hiring labor) - complete the job - get paid - pay back the advance plus a small fee.
Commercial Real Estate - if you own RE or are looking to purchase RE - there are many companies that can help you with this. Get cash out of exsiting property or get a fixed rate long-term amortizied loan to purchase.
Equipment loans and leases - if some of the funds you are looking for are to be used to purchase equipment - there are companies out there that specialize only in equipment loans and leases. Or, if you own equipment outright - you can sell it (them) to a loan or lease company for cash then lease it back (it is only a paper transaction - you don't have to move the equipment).
Lastly, traditianal banks - have you approached them? If you are not qualified, have you been working on fixing those issues?
Why you might ask did I mention all of these? Because you might not be able to find one player that can get you all the capital you need - you might have to get creative (that is your business) and find several options that in total meet your needs.
More information on all of these can be found on our website.
Business Money Today