1 Know that vendors can sometimes play a significant role in financing a new business. Partners in one start-up persuaded vendors to give them net-30 terms in order to stock a retail store. They made enough money to pay the vendors back in 30 days.

2 If you need financing for equipment or supplies, ask your suppliers first. They may be willing to work out an arrangement with you to keep you as a customer.

3 If you haven’t established vendor relationships, shop around. Your trade association may be able to point you to suppliers that offer financing.

4 Check the vendor’s credentials and reputation before you sign an agreement. Look for stability.

5 Keep in mind that a number of major suppliers own financial companies that can help you, such as GE Small Business Solutions and IBM Global Financing.