You can obtain a loan with favorable terms using your business assets as collateral. Equipment, accounts receivable (A/R), or real estate can serve as collateral. These are primarily bank programs offered in the form of a line of credit, allowing you to use only the amount you need and pay interest only on the amount used. Like a credit card, the credit limit can be used repeatedly. These programs are suitable for mid-sized businesses that experience irregular cash flow. Each bank and lender may have different guidelines.