Business Capital
Working Capital Loans
Access the cash flow your business needs to cover operational expenses, manage seasonal fluctuations, and seize growth opportunities. Fast approval and flexible terms.
What is Working Capital Financing?
Working capital financing provides businesses with the funds needed to cover day-to-day operational expenses, manage cash flow gaps, and maintain smooth business operations.
This type of financing is essential for businesses that need to bridge the gap between paying for expenses and receiving payments from customers, or for those looking to capitalize on growth opportunities.
Key Benefits
Common Uses for Working Capital
Inventory Purchases
Stock up on inventory to meet customer demand and take advantage of bulk discounts
Payroll & Operations
Cover payroll, rent, utilities, and other essential operational expenses
Business Expansion
Fund marketing campaigns, new locations, or product development
Seasonal Fluctuations
Manage cash flow during slow seasons or prepare for peak demand periods
Equipment & Maintenance
Purchase or repair equipment, vehicles, and business assets
Debt Consolidation
Consolidate high-interest debt into a single, more manageable payment
Working Capital Financing Options
Term Loans
Traditional loans with fixed monthly payments over a set period. Best for larger amounts and businesses with strong credit.
Lines of Credit
Revolving credit that you can draw from as needed. Pay interest only on what you use, with flexible repayment terms.
Invoice Factoring
Sell your outstanding invoices to get immediate cash. Ideal for businesses with long payment cycles.
Merchant Cash Advances
Advance based on future credit card sales. Repayment is automatic through a percentage of daily sales.
Typical Terms
Working Capital Loan Requirements
Credit Score
Varies by lender, typically 550+ for alternative lenders, 680+ for traditional banks
Time in Business
Often 6+ months, though some lenders work with newer businesses
Monthly Revenue
Minimum $5K-$10K monthly revenue for most lenders
Documentation
Bank statements, tax returns, financial statements, and business plan
Ready to Get Working Capital?
Get the cash flow your business needs to operate smoothly and grow. Connect with working capital lenders today.