WORKING CAPITAL LOANS

Many businesses experience seasonal ebbs and flows in income. Retail sales are often tied to the holidays and ski resorts only operate in the winter. But, when money stops flowing into the business, continued expenses still cause money to flow out. Working capital loans help businesses cover costs like payroll, utilities, and repairs in the short-term.

WORKING CAPITAL

Overview

Working capital loans help businesses cover everyday expenses such as payroll, materials, and operating costs. These loans come in different forms, including lines of credit, term loans, SBA loans, and factoring. Each option works differently, but all are designed to provide the cash flow needed to keep operations running smoothly. With the right structure, working capital financing ensures businesses can manage expenses without disruption.

Lines of Credit

Borrow as needed up to your approved limit and repay on flexible terms.

Term Loans

Receive a lump sum upfront and repay through fixed, scheduled payments.

SBA Loans

Access government-backed funding when traditional options aren’t available.

Factoring

Convert unpaid invoices or receivables into immediate working cash.

KEY FEATURES AT A GLANCE

Loan Highlights

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Fast Access to Short-Term Funds

Working capital loans are short-term financing options that give cash for operating expenses.

Flexible Credit Availability

Lines of credit are the most flexible form of working credit loan.

Predictable Monthly Payments

Term loans require fixed regular payments.

Support from the SBA

The Small Business Administration supports small businesses with different loan products.

Client-Based Repayment Strength

Factoring relies on the repayment reputation of a business’s clients.

150+

Lenders in our network

$500M

In available funds

24H

Fastest close

BENEFITS THAT ADD VALUE

Pros

Short-Term

Working capital loans are short-term, which can cover operational expenses locking the borrower into long-term repayment obligations.

Flexible Use

Loans can be used to cover a variety of expenses and aren’t tied to a specific purchase.

Fast Funding

Cash can usually be made available quickly.

FACTORS TO CONSIDER CAREFULLY

Cons

High Rates

Lenders charge higher interest rates based on the term of the loan and the risk involved.

Strict Criteria

SBA loans can be difficult to qualify for.

Personal Risk

Some loans require a personal guarantee, putting an individual’s finances at risk.

No Savings

Early repayment on fixed-rate loans doesn’t decrease interest charges.

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