Call it what you wish, funding, credit line, business loan or whatever. We're talking about obtaining working capital for the benefit of utilizing money to help a business thrive. Long before any of us starts any type of business, we must be aware of how and when the capital will be available to make it happen. We have to have a business plan that will spell out the hows and whys it will work. Just throwing a shingle on a door won't cut it. Businesses take time to form and need time to generate the revenue to be self sufficient much less profitable. I see all forms of financing ending up as merely being working capital.