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Capital planning guide

Funding stack guide

A funding stack is not a list of products. It is a practical sequence for looking at what can reduce the capital requirement, what must be financed, and what evidence each capital source needs before a business commits to a project.

Guide

Turn the first question into a practical next step.

  1. Start with the business decision

    Define the use of funds, the project timeline, the amount needed, and the operating or asset context. A stronger capital conversation starts with the decision that requires funding, not a search for a generic program.

  2. Screen grants and incentives first

    Some projects may have a grant, tax credit, workforce, location, or research angle. The right question is whether the business and project match the controlling program rules, not whether a list says funding exists.

  3. Size the financing requirement

    After potential incentives are understood, clarify the remaining capital need. Working capital, receivables, equipment, real estate, and acquisition needs are evaluated differently by lenders and program partners.

  4. Build one factual package

    The business case, financial detail, ownership information, projected use of funds, and grant or incentive assumptions should tell the same story. This helps advisors, agencies, and lenders assess the opportunity without conflicting information.

Official sources

Current guidance is part of a sound funding conversation.

Related paths

Continue with the page that matches the business need.

Funding, engineered

A useful funding plan starts with accurate facts and current rules.

Start with a no cost eligibility conversation and a clearer view of what may fit.

Check eligibility