Truidian

Capital

Business capital, matched to the need behind it.

Truidian helps businesses identify and connect with third-party capital providers offering working capital, invoice factoring, equipment financing, lines of credit, term financing, purchase-order financing and inventory financing. Truidian is not a lender; financing is offered by participating providers and is subject to their approval and terms.

Explore Capital OptionsWhich type fits my situation?

Capital categories

The main types of business capital.

Each structure solves a different cash-flow problem. Understanding the difference is the first step to comparing providers.

Working capital

What is working capital financing?

Working capital financing is commercial funding used to cover a business's day-to-day operating needs — payroll, inventory, rent, materials — rather than a specific long-term asset.

Participating providers structure it in different ways, including short-term financing, revolving facilities and revenue-based structures. Cost, repayment schedule and eligibility vary widely by provider and by structure, so the structure deserves as much attention as the amount.

Commonly explored when

  • Seasonal revenue creates predictable short-term gaps
  • A contract or season requires operating costs up front
  • Growth is outpacing the cash available to fund it

Invoice factoring

What is invoice factoring?

Invoice factoring is a financing arrangement in which a business sells eligible unpaid B2B invoices to a factoring company in exchange for an advance, rather than waiting for its customers to pay.

The factor typically advances a portion of the invoice value up front and remits the balance, less its fees, when the customer pays. Because underwriting often focuses on the credit quality of the business’s customers, factoring is commonly explored by companies that invoice commercial or government customers on 30-, 60- or 90-day terms.

Accounts receivable financing is a related structure in which invoices serve as collateral for a loan or line rather than being sold. Terms differ between providers — recourse or non-recourse, customer notification, minimum volumes and contract length all matter.

Commonly explored when

  • Customers pay on net-30 to net-90 terms
  • Revenue is growing faster than collections
  • The business invoices other businesses or government entities, not consumers

Equipment financing

What is equipment financing?

Equipment financing is funding used to acquire business equipment — trucks, trailers, machinery, vehicles or technology — where the equipment itself typically secures the financing.

Structures include equipment loans and several types of leases. Terms often relate to the type, age and useful life of the equipment, and new, used and private-party purchases may be treated differently by different providers.

Commonly explored when

  • Purchasing or replacing trucks, trailers or vehicles
  • Adding production, shop or job-site equipment
  • Preserving cash rather than buying equipment outright

Lines of credit

What is a business line of credit?

A business line of credit is a revolving facility that lets a business draw funds up to an approved limit, repay, and draw again, with interest or fees generally charged on the amount used.

Lines may be secured or unsecured and may come from banks or non-bank providers. Availability, limits, draw terms and renewal requirements vary by provider and by the business’s financial profile.

Commonly explored when

  • Cash needs are recurring but irregular
  • The business wants capacity in place before it is needed
  • Bridging short-term gaps rather than funding one large purchase

Term financing

What is business term financing?

Business term financing provides a lump sum repaid over a set schedule, generally used for a defined purpose such as expansion, an acquisition or refinancing existing obligations.

Term structures range from conventional bank loans to shorter non-bank products. Longer and lower-cost terms typically involve more documentation, stronger financials and longer timelines.

Commonly explored when

  • A defined, one-time investment
  • Expansion, acquisition or build-out
  • Consolidating or restructuring existing obligations

Purchase-order financing

What is purchase-order financing?

Purchase-order financing helps a business fulfill a confirmed customer order by funding the supplier cost of goods the business can't pay for up front.

It is generally designed for businesses that resell or distribute finished goods. The provider typically pays the supplier directly and is repaid when the end customer pays — and it is often paired with invoice factoring once the order is delivered and invoiced.

Commonly explored when

  • A large order exceeds available cash
  • Suppliers require payment before goods ship
  • Distributors, wholesalers and resellers of finished goods

Inventory financing

What is inventory financing?

Inventory financing is funding secured by a business's inventory, used to purchase stock ahead of sales.

Providers usually evaluate the type, turnover and resale value of the inventory, and may advance a portion of its appraised value. It is most common in retail, wholesale, distribution and manufacturing.

Commonly explored when

  • Stocking up ahead of a season
  • Taking advantage of supplier volume pricing
  • Inventory is a large share of the balance sheet

Situation guide

Which type of financing fits which situation?

Common starting points. The right fit depends on the business, its customers and the provider’s criteria.
Waiting 30–90 days for commercial customers to pay invoices
Invoice factoringLine of credit
Buying or replacing trucks, trailers, machinery or vehicles
Equipment financing
A large customer order you can't fund with the supplier
PO financingInvoice factoring
Seasonal or irregular cash shortfalls
Line of creditWorking capital
Stocking inventory ahead of sales
Inventory financing
A defined investment — expansion, acquisition or refinancing
Term financing

The process

How Truidian helps with capital.

  • Start with the need, not the product

    Truidian asks what the funding is for, how the business gets paid, and what it uses today, before any provider is named.

  • Identify the categories that fit

    Many needs can be met by more than one structure. Truidian helps narrow which categories are worth comparing.

  • Introduce participating providers

    Truidian introduces the business to participating providers whose programs may fit. Providers underwrite and set their own terms.

  • Stay the point of contact

    When the next need arises — payments, payroll, equipment — the business comes back to the same relationship.

FAQ

Common questions about business capital.

Is Truidian a lender?

No. Truidian is a business solutions company, not a bank or direct lender. Truidian helps businesses identify and connect with third-party capital providers. Any financing is offered by a participating provider and is subject to that provider’s underwriting, approval and terms.

What type of financing might fit a business waiting on customer invoices?

Businesses waiting on unpaid B2B invoices most often explore invoice factoring or accounts receivable financing, because those structures are built around the invoices themselves. A business line of credit may also bridge recurring collection gaps. The right fit depends on customer credit quality, invoice volume and how often the gap recurs.

Can Truidian help a business find equipment financing?

Yes. Truidian can help a business identify participating equipment financing providers for trucks, trailers, machinery, vehicles and other business equipment. Eligibility and terms are determined by the provider.

Does Truidian guarantee approval, rates or funding speed?

No. Approval, rates, fees, amounts and timing are set entirely by the participating provider and depend on the business, the product and the provider’s criteria.

What does it cost to work with Truidian?

Truidian may receive compensation from participating providers. If any fee would be payable directly by your business, it will be disclosed before you engage.

Tell us what the capital is for.

Share what your business does and what you need. We'll identify participating providers whose programs may fit.

Explore Capital OptionsInvoice factoring for trucking

Truidian is not a lender. Financing is offered by participating third-party providers and is subject to their underwriting, approval and terms. Truidian does not guarantee approval, rates, amounts or timing.