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Working Capital Loans

Working capital is the most critical part of your business’s financial success. Even if you have a wealth of assets, you could have trouble meeting your short-term cash needs. When your cash flow is too tight for comfort, look to a working capital loan. Working capital loans can help you manage payroll, utilities, supplies, and materials at once. Use a working capital loan when you want to boost new projects or when unexpected expenses arise. We can show you flexible financing options to make sure you have the money necessary to keep business running smoothly. Ask us about a working capital loan today.

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Line of Credit

A line of credit is a renewable source of working capital. Get the cash you need now, pay it back later, and free up cash for the future. Choose an asset-based, secured line or a credit-based, unsecured line, depending on your financial needs. Lines of credit typically have higher credit limits and lower interest rates than business credit card accounts. Learn more about how a line of credit can work for your business by contacting our professional brokers.
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Factoring

Businesses with accounts receivable can sell those assets for working capital. Factoring gives you the cash you need without adding debt to your balance sheet. Leverage your outstanding invoices, purchase orders, and contracts for cash in as little as 24 hours. Access funds easily via your online account or cash card. Customers pay directly to the factoring company so you don’t have to worry about payment processing. Ask us what factoring can do for you.
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Term Loans

Term loans offer short-term financing for working capital and other business needs. When you need to access working capital but don’t want to pay long-term interest rates, a term loan could be the right tool for the job. Short-term loans mature in 18 months or less, helping you offload debt quickly. To find the best lender for your business, speak with a broker. We’ll help you sort through the options and get the most money for the lowest price.
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Working Capital Overview

Highlights

– Working capital loans boost your business’s cash flow

– Loans cover a variety of business expenses like payroll and utilities

– You have many lenders and options to choose from

– Qualify, even with a low credit score

Benefits

– Funds are not tied to a specific purchase

– Asset-based and credit-based options are available

– Get cash without a loan when you use factoring

– Smooth out the seasonal revenue cycle

Challenges

– Most working capital loans are short-term

– Typical short-term loans must be paid off in three years or less

– Unsecured loans have stricter qualifications

– Default can damage personal as well as business credit

Alternatives

If you’re searching for targeted financing, try these options:

– CRE Loans

– Equipment Loans

– SBA Loans

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