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Fuel Your Operations

Working Capital Loans

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Advantages

Learn More About Our Firm

Useful for any short-term needs

Collateral not required

Don’t need good credit to qualify

Gives a boost to special projects

Secure the Funds to Power Daily Business Needs

Lending Overview

When your small business needs a loan that’s flexible enough to cover everything from payroll and utilities to supplies and special projects, you need a working capital loan. Working capital loans aren’t tied to any one purchase, which means you can apply them to what benefits your business the most. There are no restrictions on what you spend the money on, as long as it benefits your business.

Working capital loans come in a range of options including SBA loans, lines of credit, and hard money loans. Choosing which one to get depends on how much you need, how often you expect to borrow, and what your budget timeline looks like. To see all of your options in one place and easily apply, speak with a qualified broker. They’ll find the most affordable working capital solutions for your business and offer lender deals you won’t find anywhere else.

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Smart Allocation of Funds for Optimal Growth

How to Effectively
Apply Funds

Your business depends on its working capital. It’s what enables you to meet short-term expenses like payroll, rent, utilities, and end-of-term loans. Without it, you might have to face a choice between liquidating long-term assets or business failure. While most working capital comes from the company’s revenue, it’s not uncommon to need a boost to cash flow. Working capital loans help your business avoid late charges, service interruptions, and negative credit reporting that can compound any existing financial stress. With a working capital loan, you can handle special projects like industry events, travel, and marketing. Ask a broker what a working capital loan can do for your business.

Fast, Flexible Funding to Keep Your Business Moving Forward

Dynamic Working Capital Solutions

SBA 7a

The Small Business Administration boosts domestic businesses by working with lenders to offer affordable working capital loans. An SBA 7a loan lets you borrow working capital or bundle working capital with needs like real estate purchasing. SBA loans offer federally-capped interest rates, low down payments, and a second chance for borrowers with bad credit.

Lines of Credit

Lines of credit are revolving loans that provide easy access to working capital whenever you need it. Payments made into your account free up room to borrow again. Because lines of credit can be secured, they offer higher credit limits and lower interest rates than most business credit cards.

Hard Money Loans

Asset-based hard money loans provide capital you can use anywhere your business needs. Borrowers can qualify, even with bad credit, because hard money loans focus on the value of your assets, not your credit score. Hard money loans can be approved fast, so don’t have to wait weeks or months on a traditional loan.

Our Expertise

FAQ

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Q. Do I have enough working capital?
For a simple working capital calculation, divide your current assets by your current liabilities. For most industries, a resulting score of 1 or lower indicates problems with liquidity. A score of 2 typically means you’re in a good liquidity position.
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Q. How do I get approved for a working capital loan?
Because there’s such a variety of loan options out there for working capital, there are also multiple ways to qualify. Some loans are based on a minimum credit score, while other lenders focus only on assets. That’s why it’s a good idea to meet with a broker, who can customize your options and help you find the best deal. A broker can help position your application for approval.
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Q. When is a working capital loan not a good fit?
Working capital loans are fast, flexible, and convenient, but they’re not a solution for everything a business needs. Taking out a new loan if you’re struggling isn’t necessarily a good idea if you’re unable to pay it back on time. To find other solutions to boost your credit score and get back on track, speak with a qualified broker.
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Q. Do you need collateral for a working capital loan?
Not always. Asset-based loans do require collateral, but may working capital loans work with a borrower’s credit score instead. SBA loans, lines of credit, and factoring are a few ways to get working capital without collateral.