Apply
Contact

Business Loans

Seasonal fluctuations in working capital are common. No matter what time of year your business performs the best, we’ll help you find working capital financing to smooth out the annual cycle.

Smooth the financial road ahead.

Request Quote

Call Us Today!

1 (408) 451-3993

01. Overview
02. Advantages
03. FAQ’s
05. Contact

Working Capital Covers Everyday Expenses

Working capital is a vital part of every business. It’s what pays utilities, handles payroll, and brings in supplies.

  • Enjoy longer terms from 2-36 months
  • Receive higher line of credit with a lower rate
  • For established business no personal credit scores required
  • Get funded less than 48 hrs.

Find out which loan types will suit your needs. We can show you a range of options and help you decide which road to take.

Financing Options

Lines of Credit

Secure a business line of credit for cash you can use all year long. Borrow as much or as little as you need. Then, pay down the balance so you can borrow again later.

Learn More

A/R Financing

Accelerate cash flow with accounts receivable factoring. Sell your invoices, contracts, and purchase orders to a factor for immediate cash.

Learn More

SBA 7(a)

Small for–profit businesses can use this SBA loan for working capital. The SBA acts as a guarantor to encourage private lenders. To find out if your business qualifies, contact us today.

Learn More

Advantages of Working Capital Financing

 

  • Take care of smaller projects.
  • Smooth out seasonal sales cycles.
  • Pay interest only on what you take from the account.
  • Use as a backup plan for emergency cash.

Frequently Asked Questions

When is Working Capital financing not a good fit?
Working capital loans help with day-to-day expenses. Equipment, construction, and real estate loans are designed to help you take on major purchases. If you’re looking to fund large projects like a new investment property or heavy equipment purchase, we can help you find a specialized loan that fits.
What is a Working Capital ratio?
You can find your business’s working capital ratio by dividing your total current assets by your total current liabilities. The ideal ratio depends on your industry but is typically around 2.
How do I qualify for Working Capital financing?
Because there are different types of loans for working capital, there are several ways to qualify. Some loans are based on the value of your assets and not on your credit history. Tell us about your working capital needs and we’ll find you options that fit.
Which Working Capital loan is right for my business?
The answer to that depends on how much working capital you need, what assets you have, and your business’s overall financial picture. We can customize loans to fit any business situation.

Additional
Questions?

For more information, contact one of our friendly and knowledgeable financing experts today. Give us a call at:

(408) 451-3993

Pre Apply

Start your journey to business funding.