Working Capital Loans

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Call us at 866-400-3040

Do you lack the funds to keep your business running smoothly? The agency’s goal is to help you acquire financing from our lending partners that will help you grow your business now. Overcoming these short term challenges and you build momentum for the long-term success of your enterprise.

Just what is a Working Capital Loan?

A working capital loan is a financial product that helps merchants finance their everyday business affairs. Working capital provides funding for organizations without the high cost of merchant cash advances. Most traditional financing programs require collateral, but our plans are collateral-free under $750,000.00, and no tax returns needed. The loan terms fixed so your payment stream will not fluctuate, along with the interest payments are tax-free at the end that lowers the overall amount of the debt. Hence is a perfect program for infusing capital in your business that is unsecured working capital for your business when you need it.

What Are The Benefits of a Working Capital Loan?

Firstly, the working capital loan is not a merchant cash advance, so one’s repayment is not, arranged to credit card receipts:

  • Terms from 12-36 months.
  • Merchants will have higher loan amounts with that of lower fixed payments.
  • All loans have 24-hour access to renewable lines of credit.
  • The interest that is paid is tax-deductible, which further lowers the overall cost of funds.
  • $3,000.00 Amex gift card for new customers.

Working Capital Loans: Why are they used?

With the advent of 2008, Financial Crisis banks and other lending institutions are tightening their lending criteria and have reduced the amount of money they loan to small businesses. Thus, such entrepreneurs use working capital loans for a verity of reasons. So if you are a small business person who has reliable performance and needs an injection of fresh capital to take advantage of some opportunity for growth without giving up equity, then we are your financial partners to tag team. Here is some example of what working capital can be, used for:

  • Inventory purchases
  • Renovations
  • Franchise opportunity
  • New location
  • Liquor Licenses
  • POS System
  • Buy out a partner
  • Advertising, marketing campaign
  • Business taxes
  • Pay-off more expensive debt

Qualifying for Working Capital

One gets qualified for working capital on different qualifying criteria; there are no single criteria that will guarantee a working capital loan. Nevertheless, entrepreneurs should be, prepared to produce essential documents that will support personal data to obtain the approval of the loan.

Time in Business

One of the essential criteria of loan approval for working capital is the time in business. Unlike traditional financing, a minimum of three months is, needed to qualify for a working capital loan. Thus, there is an equal balance of credit scores, business cash-flows, and time in business to round up the approval process. One needs to have the last three months of bank statements to be seriously considered for this type of loan. Thus, they will collaborate on the financial standing of the firm and insights into the overall cash-flow of the organization.

Annual Sales

The firm’s yearly sales play a factor in the calculation of qualifying merchants in the amount of working capital that a small business owner can be eligible. Thus, the minimum annual sale is $250,000.00 for approval of working capital.

Applying for Working Capital Loan

Simply file out the information below, and we will get back with you within the hour of our working hours (9 am-9 pm Monday to Friday, 9 am to 5 pm Sat). We pride ourselves on being nimble and quick return, the followup to your inquiry.

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