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Understanding

Working Capital Loans

Do you have enough working capital? Your business might hold billionaire-level assets, but if you can’t access working capital in the near term, you could be headed for trouble. Every business relies on working capital to handle its day-to-day expenses. If your value is tied up in long-term investments, getting the working capital you need might be a problem.

A boost in working capital helps manage utility, payroll, and inventory costs when other funds are not immediately accessible. Deal with unexpected bills, prepare for an upcoming event, or launch a marketing campaign with working capital loans. You can choose from a range of options to get the liquid capital you need now. Speak with our brokers to learn more.

how to

Effectively Apply Funds

Real estate and equipment loans are valuable financial tools, but they won’t cover short-term operational costs. When you need more flexible financing, use a working capital loan from one of our network lenders. Working capital loans let you pay virtually any business expense with just one loan application. Use one to supplement lagging income, start a new project, or keep it on hand in case of emergency.

Working capital loans come in a variety of different choices from SBA 7a loans to lines of credit. Which one is right for you depends on your specific business needs. That’s why it’s important to meet with a broker and outline your financial goals. They’ll match you with a lender who offers the right terms and rates to suit your company. Contact one of our reliable brokers today.

Working Capital Funding Options

SBA 7a

The SBA offers a selection of loan types, but the 7a is the most popular choice for working capital. If you own a small business with less than $5M in net annual income, you could get $5M or more in working capital funding. SBA 7a loan terms are five to seven years for working capital.

Line Of Credit

A working capital line of credit lets you access funds when you need them most. Pay interest only if you have a balance on your account. When you make account payments, those funds free up money for future needs. Access cash when you want as often as you care to.

Hard Money Loan

A hard money loan gives you the ability to leverage the value of long-term assets for your small business’s short-term needs. Secure a working capital loan with your company’s assets like equipment and real estate. Then use the funds to pay for materials, utilities, or whatever your business needs.

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FAQS

Q. How much working capital do I need?
You need enough working capital to cover your business’s short-term expenses. A simple formula is to subtract your current liabilities from your current liquid assets. If you end up with a negative number, you need to boost your working capital quickly.
Q. What is the working capital ratio?
The working capital ratio is another way to calculate if you have the right amount of working capital. To get the ratio, divide your company’s current assets by its current liabilities. In most cases, a ratio of 1.5 is ideal. Any less and you should seek to supplement your working capital with additional funds.
Q. When is a working capital loan not the right fit?
Working capital loans are generally short-term loans. If you need to access long-term funding, consider real estate, equipment, or construction loans instead based on your goals. A broker can help you identify your needs and match you to a lender that specializes in the type of loan you want.
Q. How do you qualify for a working capital loan?
Working capital loans come in a wide variety of forms from many different lenders. While this means you have options when it comes to working capital financing, it also means it can be hard to choose the right lender. To get matched with a lender and learn their specific loan requirements, speak with a broker today.

WORKING CAPITAL LOAN Advantages

Many lenders to choose from

Fixed and variable rates are available

Easy to
qualify

FA high credit score is not required

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