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Working Capital Loans provide businesses with money during cash crunches to help cover daily operational costs, like payroll, supplies, utilities and other expenses.  These loans help businesses with cyclical sales peaks, like restaurants, retailers, and manufacturers with cash flow issues during slower months. We connect all types of businesses with loans to infuse more working capital into their budget. 

What are Working Capital Loans?

When a company needs a loan to finance its everyday operations, a Working Capital Loan is a great short-term financing solution. These loans cover costs like payroll, rent, debt payments, special projects, interior updates, and other daily expenses. 

Who uses Working Capital Loans?

Working Capital Loans are not just for struggling businesses. Even businesses that have accumulated a lot of assets can struggle with liquidity.  If assets can’t be easily liquidated to pay bills, the business may be in need of a loan for cash flow.

Businesses with high seasonal or cyclical sales may feel the cash flow crunch during the slow months,  Working Capital Loans help companies smooth out cash flow during the slow seasons while paying off on the loan during peak seasons.  

How much Working Capital do I need?

The amount of working capital you need depends on the type of business you have, the business’ operating cycle, and your plans for growth. The calculation to determine your working capital needs is to simply deduct your liabilities from your assets on your balance sheet, and add additional expenses you expect to incur based on your growth plan.


>> Relieve financial stress by accessing cash to cover critical operating needs like payroll.

>> Even out cash flow crunches between cyclical sales peaks and dips.

>> Be used to help launch new projects, marketing campaigns, and other initiatives to grow your business.


Types of Working Capital Loans

Line of Credit

This is the most flexible working capital loan and allows the borrower to withdraw and repay capital up to their credit limit as needed.


Factoring is a financing tool that allows businesses to use their accounts receivables and contracts as a way to get access to working capital very quickly.  

SBA 7(A) Loan

The Small Business Administration’s 7(a) Loan is a great low interest loan for businesses with an annual revenue of less than $5 million each year.