Best options to finance a growing SMB? (Line of Credit / Working Capital)

I’m looking for advice on the best ways to finance a growing SMB, specifically to increase our working capital / line of credit. I started an aviation business while also running a passive search to acquire a U.S. business (initially I thought acquisition was the best entry into the market). Over time, the operating model proved out and the business has become stable, so I’m now focusing on scaling it rather than continuing the search. Issue: Our growth is constrained by how much credit we can extend to customers (and how quickly we can recycle cash). Current business snapshot: - Revenue: ~$40K/month - EBITDA: ~15–20% - Team: 3 employees - Business age: < 1 year Financing options I’m exploring: - Vendor credit terms - Invoice factoring - Venture debt I’m assuming a traditional bank loan will be difficult given we’re under 1 year old and don’t have a long operating history. My questions: What financing options have worked best for businesses like this (early-stage but stable cash flow)? Any recommendations for providers that understand B2B distribution/working capital dynamics? Are there common pitfalls with factoring facilities in this type of business? What's the typical interest in venture debt in the US? Appreciate any guidance, happy to share more details if helpful.