If you’re the owner of small business and you’ve been considering applying for a loan to support your company’s cash flow but you aren’t sure where to start, there are a few options you should consider. There are all sorts of small business loans available regardless of your industry, so with a little research, you’re sure to find one to match your business’s needs. For a few common choices that could be the right solution for you, read on.

1. Small Business Administration Loans

While not actually offered by the Small Business Administration, these loans are backed by the SBA and offered by vetted partner lenders, including conventional banks. These loans are usually accessible to smaller companies that haven’t been in business for a long time and may even offer some of the lowest interest rates available. The qualification process, though, can sometimes be lengthy.

2. Invoice Factoring

If you’re expecting revenue soon but your customers simply haven’t paid their invoices yet, you can get the capital you need to keep operations running through invoice factoring. This is an option where you sell your accounts receivable to a factoring company in exchange for an advance on the total amount. Since you’re working with future money, invoice factoring agreements are generally easier to get approved for than conventional loans.

3. Business Lines of Credit

If you’re hesitant to put up collateral, consider getting a line of credit instead. This unsecured loan generally requires no collateral and you get funds up to a certain credit limit, meaning you have more flexibility than typical term loans to borrow and pay interest only on what you need. Depending on which credit line you sign up for, you may have to pay additional fees and associated costs. However, this option can sometimes require a strong credit history in order to qualify.

4. Equipment Loans

If your company requires the latest equipment to stay competitive, you may have thought about financing new equipment. Equipment loans allow you to build equity and eventually own the piece at the end of the term. Be aware, though, that you’ll usually have to put in a down payment, which can vary depending on the cost of the equipment and the term length.

As a business owner, you know that maintaining positive working capital is key to a well-functioning business. If you need to apply for a loan but aren’t sure where to start, consider one of these options. With the plethora of choices available for small business loans today, you’re sure to find the one that suits your company best.