When a company needs cash and does not want to sell equity, the options fall into four groups: money you are owed by the government (such as the R&D tax credit), grants (such as SBIR and STTR awards), borrowing (bank and SBA loans, revenue-based financing) and selling or licensing assets you already have, which includes equipment, IP and, for some companies, de-identified business records. Each has a different speed and cost.
Steps to find cash fast
- Work out how much you need and by when. Grants take months; credits arrive with tax filings; loans take weeks.
- Claim what you are already owed: R&D credits, tax refunds, unpaid invoices.
- Cut recurring costs, including unused software seats, without deleting data you may need.
- Look at assets you can sell or license: equipment, IP, domain names and, for some companies, de-identified records.
- Compare borrowing options last, once you know the gap that is left.
Where company records fit
Licensing records is not a loan and does not dilute owners. It works for a narrow group: established companies with 20 to 30 or more employees and several years of email, chat, documents, tickets or CRM history. It is not fast money either: buyers pay after they receive and accept the data, which takes weeks to months. Check fit before you count on it.
Guides in this section
How to sell your company's data to AI companies
How companies license operational data to AI developers: who buys, what they take, published size rules and payouts, the process and what to check first.
Non-dilutive funding options for small companies
Ways to raise cash without selling equity: R&D payroll credits, SBIR awards, SBA loans, revenue-based financing, asset sales and data licensing.
Using the R&D tax credit against payroll tax
How qualified small businesses apply up to $500,000 of the research credit against payroll tax, who qualifies, and what records the claim depends on.
SBA loans for small businesses: 7(a), 504 and microloans compared
Maximum amounts and typical uses of SBA 7(a), 504 and microloans, from SBA's own pages, and where non-dilutive alternatives fit.