When your business is in need of extra cash but your company doesn’t have the collateral or credit on hand to fast-track you to approval for a business loan, don’t give up hope on your financing potential. Though you can pursue a number of options, here are three of the most common routes your business can take to more cash.

Option #1: Business Credit Card

Depending on how big your business expenses might be, a business credit card will not be the solution for everything. Things like payroll or rent are major expenses that can’t always be satisfied with a credit card payment, but you could divert funds from other daily expenses in order to meet those needs. Responsibly using a credit card for office supplies, utilities, or inventory purchases not only frees up some cash, but it also helps establish a credit history and positive credit score. These could increase your approval chances if you apply for a business loan in the future.

Option #2: Invoice Financing

The reality of payment situations for many companies is that customers don’t always issue payment upfront for orders or deliveries. In fact, it is more common for businesses to extend payment terms that run anywhere from 30 to 90 days after receipt of an invoice. This delay in payment can lead to a cash flow crisis. Even though you know your customers are good for the money, you don’t have any recourse while your expenses continue to pile up.

Rather than waiting until you get paid, you can sell off your accounts receivable to a factoring company for quick cash. This is more of a collateralized loan rather than a business loan. The factoring company buys a percentage of the open invoiced amount, then assumes responsibility for collecting the funds from the customer. When the invoice is paid in full, the factoring company refunds the rest of money minus their processing fee.

Option #3: Equipment Financing

Rather than using a conventional loan to invest in new equipment or machinery, a lender will provide the cash upfront for up to 100% of the value of a piece of equipment. The lender uses the equipment as collateral, and the borrower must pay a monthly repayment amount and contracted interest rate. There are several factors that go into approval for this financing.

It does seem rather unlikely that you can secure a loan without any money, but there are alternative forms of financing that can give your company the capital it needs to stay afloat. These three options give your company a chance to move forward without a business loan.