GOALS!
Pure-Business.Solutions works to assist you in achieving your capital goals!
Access to capital is the ability of a business to obtain financial resources for growth, development, and investment. Most businesses need to access capital when they are starting or growing. It's important to consider various sources of capital depending on your business model, growth stage, and industry.
There are many options for accessing business capital which includes business credit, debt (loans) or equity (stock/ownership) financing, and lines of credit, personal savings, friends and family, venture capital, angel investors, crowdfunding, grants, revenue generation, and more...
Schedule a Consultation
Ready to take the first step toward transforming your business? Schedule a consultation with one of our experts today to learn more about our consulting services and how we can help you achieve your goals.
California Wildfire Relief Loan Assistance
LA Region Small Business Wildfire Relief Loan!
Small businesses and most private nonprofit organizations located in a declared disaster area which suffered substantial economic injury may be eligible for a Small Business Administration Economic Injury Disaster Loan.
Deadline to apply is Oct. 15, 2025.
Stamps.com Small Business Flexibility Grant
Small Business Month! Win $25,000 to fuel operations!
Grant seeks to empower service-based small businesses in the U.S. to tackle operational challenges. Applications open beg. May 1, 2025 til May 31, 2025. Winner chosen/contacted June. Must be U.S. service-based small businesses, with at least three employees, that have been operating for at least two years.
LA County Small Business Mobility Fund Formalization Grants
Awards of $500 - $5,000!
Are you a sidewalk vendor in unincorporated Los Angeles County? You may qualify for a Formalization Grant to help your business comply with the County’s Sidewalk Vending Ordinance.
Round I – Deadline May 2, 2025
Round II – Deadline June 27, 2025
$100,000 in grants for WOMEN-OWNED businesses
H&R BLOCK Advisors - Fund Her Future Grant!
Block Advisors/Hello Alice, offers $100,000 to 6 small business. One winner to receive $50,000 grant and Five/$10,000 ea. Must be at least 18 yrs old & US resident. Grant is for those that made at least $20,000 in 2024, nonprofits not eligible.
Applications open until May 30th - Winners announced Aug. 2, 2025.
Malibu Small Business Micro Grant Stabilization Program
Awards ranging from $5,000 to $20,000!
Grants geared toward assisting local small businesses affected by the recent fires, severe storms, prolonged PCH closures to help with economic recovery and to retain jobs within the community. More info Eligibility Requirements or Eligible Use.
Open May 1 thru May 31, 2025. Awards announced June 2025.
PACE Small Business Grant Program - LA County District 1
$5k or $10k for Business Expenses
Small business grant to cover business expenses including payroll, rent, working capital, and inventory. LA County, District 1 Unincorporated Area 90022, 90023, 90063, 90255, 90601, 90631, 91010, 91702, 91722, 91723, 91724, 91740, 91744, 91745, 91746, 91748, 91765, 91770, 91733, 91775, 91776, 91790, 91792
business credit
ACCESSING BUSINESS CREDIT
Building business credit is important because it helps your company create its own credit history, allowing access to funding, better loan terms, and favorable supplier payment terms. It shows lenders and partners your financial stability, which is essential for growth and expansion, especially when seeking loans, leasing equipment, or negotiating vendor contracts. Most importantly, it safeguards your personal credit from business liabilities and enhances your company's financial reputation.
Personal Guarantee
Monitoring Business Credit
Personal credit can impact business credit: Your personal credit score may be considered by lenders when evaluating your business creditworthiness. Always make payments on time to maintain a positive payment history.
Monitoring Business Credit
Monitoring Business Credit
Monitor your business credit report: Regularly review your business credit reports from agencies like Dun & Bradstreet, Experian, Equifax, and LexisNexis Risk Solutions to identify any errors and ensure accurate reporting. A positive business credit report shows potential partners and investors that your company is financially reliable.
Building Business Credit
Building Business Credit
Building business credit takes time:
A good business credit score opens doors to loans, lines of credit, and other financing options needed to grow your business. It may take several months of responsible credit usage to establish a strong business credit score. Apply for business credit cards and use them responsibly, maintaining a low credit utilization ratio.
business Term loans vs. line of credit
Lines of Credit
Business Term Loans
Business Term Loans
A business line of credit is a flexible financing tool that allows a business to borrow funds as needed, up to a pre-approved limit, and only pay interest on the amount borrowed. You can borrow funds, repay them, and then borrow again, up to your credit limit.
- Flexible Access: You can borrow funds as needed up to a pre-set credit limit.
- Revolving Credit: You can repay the borrowed amount and then borrow again, making it a revolving credit line.
- Variable Interest: Interest is typically charged only on the amount you actually borrow, not the full credit limit.
- No Specific Purpose: You can use the funds for any purpose.
- Interest: Interest is charged on the outstanding balance.
Business Term Loans
Business Term Loans
Business Term Loans
A loan provides a lump sum of money to be repaid over a fixed period of time.
- Lump Sum: You receive the entire loan amount upfront.
- Fixed Repayment: You repay the loan in fixed installments over a set period.
- Specific Purpose: Loans are often used for specific purchases or expenses, like equipment or expansion.
- Interest: Interest is charged on the entire loan amount from the start.
- Non-revolving: Once you repay the loan, the credit is gone.
