Pros Businesses don't need to rely on business credit ratings/history and assets to qualify Companies can sell more products to customers over longer periods of time Newer businesses are eligible and can access credit quickly Cons Repayment may be problematic for new and struggling companies Lenders may not advance the full amount requested

Pros: Can finance work in progress Faster qualification than traditional loans No impact to personal credit score Cons Can’t unlock value tied to inventory already in stock Payback may not be tied to cash flow