Cadenhead Legacy Group

Business Capital

Capital for the next move.

Equipment, expansion, working capital, a new location. We help you define the need, get prepared and explore potential funding paths.

Discuss a capital needHow business funding works →

Cadenhead Legacy Group is not a lender and does not make credit decisions. Financing is offered, approved and contracted by independent banks, lenders or funding providers on their own terms. This is a conversation request — no financial information is collected through this website.

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Start with the purpose

What is the business trying to do?

Choose the closest match. This is general education, not a statement that a particular product is available.

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Three people review floor plans inside a space under construction

Not sure yet? Start with the purpose and timing. You do not need to choose a funding structure first. Discuss a capital need →

Possible funding structures

How each structure works, side by side.

General education, not a statement that any structure is available to a particular business. Each one links to a full explanation: how it works, common uses, repayment, what to prepare, costs and tradeoffs, when another structure may fit better and the questions to ask.

  1. 01
    Business line of creditA limit the business can draw from, repay and use again.
    Commonly used forSeasonal needs and short timing gapsRepaymentDraw, repay and draw again; payments follow the balanceWatch forFees for unused or renewed lines; a line used as permanent funding
    Quick view
    How it works
    Funds are drawn against the limit as needs arise. Cost usually applies to the amount drawn, and the line is reviewed or renewed on a schedule set by the provider.
    When another structure may fit better
    A one-time purchase with a long useful life, such as equipment or a build-out, may fit term or equipment financing better.
    Full business line of credit guide →
  2. 02
    Term loanOne amount, repaid on a set schedule.
    Commonly used forA defined investment with a known costRepaymentScheduled installments over a set termWatch forTotal cost over the term and charges for paying early
    Quick view
    How it works
    The business receives the funds at closing and repays them in scheduled installments. The term, payment amount and total cost are set in the agreement.
    When another structure may fit better
    Needs that rise and fall during the year may fit a line of credit. A purchase tied to one asset may fit equipment financing.
    Full term loan guide →
  3. 03
    SBA optionsSBA-supported financing offered through participating lenders, Certified Development Companies or authorized Microloan intermediaries.
    Commonly used forSeveral purposes under SBA program rulesRepaymentRepayment terms and schedules vary by program and the applicable lender or intermediary.Watch forMore documentation, longer review and personal guarantees
    Quick view
    When another structure may fit better
    A short, urgent need may not fit an SBA process. A simple equipment purchase may be handled more directly through equipment financing.
    Full SBA options guide →
  4. 04
    Equipment financingFinancing to buy a specific asset, usually secured by that asset.
    Commonly used forEquipment the business will keepRepaymentScheduled payments; the equipment usually secures itWatch forDown payment, insurance and the lien until paid off
    Quick view
    How it works
    The provider pays the vendor, the business takes ownership of the equipment, and the provider typically holds a lien until the balance is repaid.
    When another structure may fit better
    Equipment that becomes outdated quickly may fit a lease better. Short-lived or low-value items may be better paid from cash flow or a line of credit.
    Full equipment financing guide →
  5. 05
    Equipment leasingUse equipment owned by another company for a set term.
    Commonly used forEquipment replaced on a cycleRepaymentFixed lease payments; ownership depends on the leaseWatch forHigher total cost if you buy the asset at the end
    Quick view
    How it works
    The leasing company buys or holds the equipment and the business makes lease payments. The lease sets maintenance responsibility, insurance and what happens at the end of the term.
    When another structure may fit better
    Equipment the business will keep for many years may cost less through equipment financing.
    Full equipment leasing guide →
  6. 06
    Working-capital financingFunding for day-to-day operations and timing gaps.
    Commonly used forPayroll, inventory and day-to-day gapsRepaymentDepends on the structure usedWatch forHigh cost for short use and repeat renewals
    Quick view
    How it works
    Depending on the need, it may come from a line of credit, a short-term loan, receivables financing or another structure. The right form depends on why the gap exists and how long it lasts.
    When another structure may fit better
    A recurring shortfall may point to pricing, collections or cost issues that funding will not fix. A one-time investment may fit term financing.
    Full working-capital financing guide →
  7. 07
    Bridge financingShort-duration funding until a defined event occurs.
    Commonly used forA temporary need with a clear repayment eventRepaymentShort term, often repaid at a defined eventWatch forCost and risk if the repayment event is delayed
    Quick view
    How it works
    The provider looks closely at the expected repayment event, such as a pending contract payment or a planned long-term financing, and sets a short term around it.
    When another structure may fit better
    If the repayment event is uncertain, a longer-term structure may carry less risk.
    Full bridge financing guide →
  8. 08
    Invoice and receivables financingAn advance against eligible customer invoices.
    Commonly used forWork completed before customers payRepaymentSettled as customers pay the financed invoicesWatch forFees that grow while invoices stay unpaid; customer contact
    Quick view
    How it works
    The business submits eligible invoices and receives part of their value. When the customer pays, the advance and fees are settled and any remaining balance is released, depending on the agreement.
    When another structure may fit better
    If only a few invoices are slow, a line of credit may cost less. If the delay comes from billing practices, faster invoicing may help first.
    Full invoice and receivables financing guide →
  9. 09
    Purchase-order financingPays a supplier so a confirmed customer order can be filled.
    Commonly used forA confirmed order the supplier must be paid forRepaymentSettled from the completed customer transactionWatch forFees relative to the order margin; delivery delays
    Quick view
    How it works
    The provider reviews the order, the customer and the supplier, then pays the supplier. When the goods are delivered and the customer pays, the financing and fees are settled.
    When another structure may fit better
    Service businesses and repeat orders may fit receivables financing or a line of credit better.
    Full purchase-order financing guide →
  10. 10
    Business acquisition financingFinances part of buying an operating business.
    Commonly used forBuying an established operating businessRepaymentScheduled payments from the acquired business's cash flowWatch forEquity required, guarantees and transition risk
    Quick view
    How it works
    The buyer, the seller and any financing provider review the business's history and the purchase terms. The financing is typically structured around the acquired business's cash flow.
    When another structure may fit better
    If the business's cash flow cannot be verified, more equity or seller financing may be needed before outside financing fits.
    Full business acquisition financing guide →

Education onlyMerchant cash advance: an advance repaid from future sales. Read the costs and tradeoffs before considering one.

Read the full funding guide →

Before the conversation

Prepare the plan, not a stack of uploads.

Lenders and other providers commonly ask about purpose, amount, timing, recent financial records and existing obligations. Organize them for yourself first.

This website asks only for contact details and a short description of the business move. Do not upload or send bank statements, tax returns, account numbers, Social Security numbers or other sensitive financial information.

See what to prepare →

How we work

Before a funding conversation.

Cadenhead Legacy Group is not a lender or funding provider and does not provide financing directly. Any financing decision is made by the applicable independent bank, lender or funding provider.

How funding referrals work & disclosures

Our roleWe help business owners define the need, organize what a provider is likely to ask for and, where it fits, introduce them to one of several banks, lenders or other funding providers we work with. Paths are evaluated case by case based on the business need; no provider is exclusive or guaranteed to be available. We do not lend money, approve applications or set terms.

Not a lenderCadenhead Legacy Group is not a lender or funding provider and does not provide financing directly. Any financing decision is made by the applicable independent bank, lender or funding provider.

Who you work withYour initial conversation is with Cadenhead Legacy Group. If an introduction to a provider may be appropriate, we will identify the provider and tell you whether the provider relationship is held by Cadenhead Legacy Group or the affiliated company, Gulf Coast Merchant Services. We will obtain your permission before sharing any information about you or your business with that provider.

CompensationIf financing closes, an independent bank, lender, or funding provider may pay a referral or broker fee to Cadenhead Legacy Group or Gulf Coast Merchant Services, depending on the applicable provider agreement. Any required compensation disclosures will be provided in accordance with applicable law.

FeesWe do not charge an upfront fee or application fee for a Business Capital conversation or introduction. Any separate paid consulting engagement would have its own written scope and disclosed fee. A provider may charge its own fees, which it sets and must show in its own documents.

Credit reviewCadenhead Legacy Group does not check your credit. If you later apply with a provider, that provider may review business and personal credit, which can include a hard inquiry. Ask the provider how and when it will review credit before you apply.

When another path may fit better

A funding conversation is not always the first move.

Your current bank may be a strong place to start. The Florida SBDC at UWF can help owners prepare business plans and financing packages. SBA also provides educational resources and its Lender Match tool.

Florida SBDC at UWF →SBA Lender Match →

Last reviewed October 15, 2026

Business Capital

Ready to talk through the need?

Share the purpose and timing.

Discuss a capital needCall 850-292-0370 →
  1. Your message reaches Cadenhead Legacy Group directly.
  2. A person replies by phone or email within one business day.
  3. The first conversation starts with the purpose and timing. Nothing financial is collected here.

Cadenhead Legacy Group is not a lender and does not make credit decisions. Financing is offered, approved and contracted by independent banks, lenders or funding providers on their own terms. This is a conversation request — no financial information is collected through this website.