Working Capital for Small Businesses
Fuel Your Daily Operations
What is a Working Capital Loan?
A working capital loan is a strategic financial tool designed to cover your business’s short-term operational needs. Unlike long-term expansion loans, working capital provides the immediate liquidity necessary to manage “the gap” between your accounts payable and accounts receivable.
Whether you’re navigating a seasonal slump, prepping for a peak period, or simply need to bridge the time it takes for clients to pay their invoices, working capital ensures your doors stay open and your momentum stays high.
Why Choose Working Capital?
Fast Access to Funds
In business, timing is everything. Our application process is streamlined to get cash into your account in as little as 24 to 48 hours.
Flexible Use
There are no "restricted use" clauses. Use the capital for payroll, inventory, marketing, or unexpected repairs—you decide where it’s needed most.
No Long Term Commitment
These are short-term solutions (typically 6–18 months), allowing you to solve a problem without carrying debt on your balance sheet for years.
FAQs About Working Capital
1. What's the difference between a working capital loan and a term loan?
Working capital is for immediate, short-term expenses and is usually repaid quickly. A term loan is a larger lump sum used for major investments (like equipment) and is repaid over several years with monthly installments.
2. Does a working capital loan require collateral?
Many of our working capital options are unsecured, meaning you don’t have to put up specific assets. However, for larger amounts or better rates, a “blanket lien” on business assets or a personal guarantee may be required.
3. Can I have a working capital loan and an equipment lease at the same time?
Absolutely. In fact, many of our clients use an equipment lease to get their machinery and a working capital loan to cover the initial labor and materials needed to run that machinery.
4. How do I qualify?
Your overall business health is considered. Generally, businesses need at least 6 months of history and revenue requirements typically apply.
Take the Next Steps for Your Business
Our team is ready to help you explore your financing options and find the term loan that fits your goals.