Working Capital

Working capital is vital to any business. That’s why a dip in working capital can pose a severe threat. If your company has experienced a working capital shortfall, working capital loans are there for you.
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Lending Overview

Working capital loans also bring in extra cash to boost new initiatives, hire personnel, and stock up on inventory. Use a working capital loan anywhere your business needs attention.

Working capital loans come in several forms and from many sources. That’s why managing these options with your broker is a good idea. They can point you to the best working capital lenders with terms that fit your business needs. So whether you need a one-time boost to your cash flow or want an account that lets you access working capital whenever you need it, your broker can help you find the right financing.

How To Apply Funds

Working capital loans can work to smooth out seasonal revenue cycles. Snow removal services, recreation centers, retail malls, and organic farmers all experience ups and downs in annual revenue. A working capital loan lets you apply funds wherever needed so that you can keep afloat during the slow season.

Even if your business enjoys income all year round, working capital loans can help you launch new projects. You can use working capital to hire personnel or increase salaries. Bring in supplies and materials so you can fill your next big order. If you want to refurbish your lobby to attract new renters, a working capital loan can help with that too.

Our Services

Lines of Credit

Lines of credit offer working capital you can access whenever you need it. Like a credit card, you can borrow up to your credit limit. When you pay back into the account, you free up the balance for later use. However, unlike credit cards, you can secure the line with assets to get a higher credit limit.
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SBA Loans

The SBA 7a loan lets you borrow money to use as working capital. Borrow $5M or more with a variable rate 5-7 year term. SBA 7a variable interest rates are currently 7%-9.5%. Rates are based on the Prime rate with maximums established by the SBA. Ask your broker for the latest rates and fees.
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Working Capital

Working capital loans are short-term loans intended to take care of your immediate cash flow needs. You can access working capital funds through a term loan from a private lender or bank. But not all lenders are created equal. To determine which offers the best term loans, speak with a qualified broker.
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Advantages

Handle day-to-day needs
Use funds wherever you need them
No long-term interest
Qualify, even with bad credit

Frequently Asked Questions

Q. How do I get a working capital loan?

Each lender has its own specific requirements for getting a working capital loan. To find the best working capital financing, speak with a broker. They can help you sort through the options to find one that fits your business. Then, they’ll help you submit a successful application.

Q. Can I access working capital loans if I have bad credit?

Yes, working capital funding is available even if you have bad credit. Some forms of working capital financing, such as factoring and hard money loans, don’t require a high credit score to qualify. Speak with a broker to find lenders who will work with you and get tips on boosting your credit for the future.

Q. When is a working capital loan not a good fit?

Working capital loans are short-term and not targeted to a specific purchase. A working capital loan isn’t the right choice if you want to fund real estate, equipment, or construction costs. Speak with a loan broker to find long-term financing options that are right for you.

Q. How much working capital can I borrow?

Your loan amount depends on your credit, how long you’ve been in business, the type of business you own, and your down payment. SBA loans let you borrow $5M or more in working capital. Talk to a broker to find a loan that matches your needs.

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