Working Capital Loans

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What Is A Working Capital Loan?

Working capital loan is a business funding program that is designed to boost the working capital available to a small business. It gives you the ability to cover daily expenses as well as the flexibility to invest in the growth of your small business. Often it is used for specific business development projects, which include investing in a new market or taking up a bigger contract.

Many small businesses use working capital loan for business expansion and cash flow purposes, however the use of working capital loan frees up cash for business investments which will be recovered in short-to-medium term.

Discover the potential of your business and strengthen it without giving up the control to an investor. Repayments can be smooth and specially, a working capital loan is the easiest method to fill the gap of cash flow of your small business.

Do You Qualify?

We provide the required working capital for small businesses to help them maintain and keep their business growing. Whether it is for stock, payroll, business expansion or supplies, we can get you the working capital you need in a couple of days.

  • 4 months of credit card processing statements
  • 6 months of business bank statements
  • Time in enterprise at least three months
  • Minimum monthly sales of $8,000
  • Must have a business checking account
Check If You Qualify

Is a working capital loan right for my business?

A working capital loan is one of the easiest ways to harness the potential of your business. These loans act as unsecured debt, so they don’t require you to provide traditional collateral. This can be a great solution for businesses that are small, just starting out or are simply in a period of low cash flow.Online lenders like Kabbage can be a great way to avoid the comprehensive documentation and application processing time of traditional loan providers. We offer ongoing access to working capital that can help you cover routine businesses expenses. Through the simple, online approval process, we look at your business data in real time to determine funding.

types of working capital loans available

Credit Line & Bank Overdraft Facility

In this working capital program the borrower will only need to pay for the interest on the amount overdrawn, which is normally 1-2% above the bank prime rate.

Short-term
Funding

This type of funding program is normally secured and carries a fixed interest rate with fixed repayment terms. If you have an excellent record with your bank, you may be able to get short-term debt without collateral.

Equity Funding

Your personal resources for getting funding for your small business such as family or friends, home equity loans are common for these types of loans. This type of capital funding can be a best fit if you are a new business and have no previously established credit history.

AR Funding

AR funding is another way to get working capital by applying for funding based on the confirmed sales order value of your small business. AR funding is customized to your small business requirements helping you smooth your business cash flows and secure your future growth.

Factoring Or
Cash Advances

The value of factoring or cash advances is primarily based on your business’ future credit card receipts. This working capital loan type is remarkable for businesses that receive credit cards as a way of payment.

Trade Creditor

You can also get trade credit from your business supplier, but for this you need to have an established history of large orders from them. These trade creditors will thoroughly evaluate your business credit history.

Freedom To Pursue Business Growth

When you are looking for funding for your small business, our working capital loans offer you freedom that you’ve usually required to pursue business growth as opposed to hassle regarding working expenses. We understand that businesses have unique requirements therefore we offer funding that meets your unique needs, helping you to grow your business to its full potential.

Contact us today to help your small business in getting funding and moving forward with confidence.

Best working capital financing at competitive rates apply now
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