Working Capital Loans

Working capital financing helps you cover the everyday costs of running and growing a business: payroll, inventory, marketing, and the gap between paying your bills and getting paid.

Common Uses

• Payroll and hiring during growth
• Inventory and supplier payments
• Marketing and expansion
• Covering seasonal slowdowns

Types of Working Capital Financing

• Business lines of credit — draw funds as needed and pay interest only on what you use.
• Short-term business loans — a lump sum repaid over a set term.
• SBA working capital loans — longer terms for qualifying businesses through SBA 7(a) programs.
• Receivables financing — advances against your unpaid invoices.
• Asset-based lines of credit — larger revolving lines backed by receivables and inventory for established companies.

What to Expect

Options vary by lender and business profile. Some products don’t require specific collateral, but most lenders review time in business, revenue, and credit. Faster funding options usually cost more, so we walk you through the tradeoffs before you commit.

How We Help

We look at your cash flow and goals first, then match you with the funding partner and structure that fit, whether that’s a revolving line, a term loan, or an SBA option.