Working Capital Loans
Working capital loans are perfect for small business owners who have cash flow problems or need to purchase equipment or inventory.
Working capital loans are short-term financing solutions designed to cover a business's everyday operational expenses. Unlike long-term loans used for major investments, working capital loans help businesses manage their day-to-day cash flow needs.
These loans are ideal for businesses that experience seasonal fluctuations in revenue, need to purchase inventory before a busy season, or face unexpected expenses that strain their cash reserves.
Working capital loans typically have shorter repayment terms (3–18 months) and can be funded quickly — sometimes within 24 hours. They are available to businesses with as little as 6 months of operating history.
Common uses include: payroll, rent, utilities, inventory purchases, marketing campaigns, and bridging gaps between accounts receivable and accounts payable.
To qualify, most lenders look for a minimum of $10,000 in monthly revenue, a credit score of 550 or higher, and at least 6 months in business. Rates typically range from 8% to 40% APR depending on your creditworthiness.
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