66 West Flagler Street, Miami, FL

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Working Capital Loans

A working capital loan improves your business’s cash flow and enables you to tackle new projects. Loans can be used to onboard new personnel, launch a marketing campaign, replenish supplies, and more.

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What is a working capital loan?

Working capital loans are meant to help a company meet the daily expenses of running a business. This includes payroll, utilities, supplies, marketing, and more. A lot of businesses operate seasonally, relying on one quarter for most of their annual income. A working capital loan can help even out yearly finances.

You don’t have to be...

financially strained to take advantage of a working capital loan. If your business needs a boost to onboard new staff, launch a marketing campaign, or update your office interior, take a look at working capital loans. They can be used for practically any legitimate business expense and are a very flexible form of financing.

What is a working capital loan?

Working capital loans are meant to help a company meet the daily expenses of running a business. This includes payroll, utilities, supplies, marketing, and more. A lot of businesses operate seasonally, relying on one quarter for most of their annual income. A working capital loan can help even out yearly finances.

You don’t have to be financially strained to take advantage of a working capital loan. If your business needs a boost to onboard new staff, launch a marketing campaign, or update your office interior, take a look at working capital loans. They can be used for practically any legitimate business expense and are a very flexible form of financing.

Working Capital LOC

A line of credit is a great way to finance working capital. Use only what you need and pay back the funds plus interest over time. Payments free up the available balance so you can borrow from the line again.

Factoring

Sell accounts receivable, purchase orders, and invoices to a factoring firm. This eliminates the waiting period between invoicing and payment, enabling you to utilize those funds faster.

Term Loans

Short-term loans can bring in working capital for one to three years. Either pay in it full or transition to a long-term loan at the end of the term.

Advantages of working capital loans

01

Funds aren’t tied to a specific use and can be used for a variety of needs.

02

Most loans are short-term and don’t require a long commitment.

03

Factoring rates are based your client’s credit, not your business’s.

04

Several different forms of working capital financing are available.

FAQ

When is a working capital loan not a good fit?
If you have a big project to finance, a term or permanent loan may be a better option.
How do I calculate working capital?
Working capital involves assets vs. liabilities for one year. Take the assets you expect to turn into cash in the next year and subtract all expenses due in 12 months.
Why is working capital important?
Working capital represents your business’s ability to meet short-term expenses and debts. Low working capital means your business could be in trouble.
What is a good amount of working capital?
Generally, the more working capital the better, but standards vary by industry. The more volatile your market, the bigger buffer you’ll need to succeed.