$4,000 – $1,000,000
HELPING YOU GROW
Working Capital Loans
Working Capital loans can help you take care of immediate needs in your business, whether that is a cash-flow shortfall or a new business opportunity. No collateral is required for our working capital loans or short term funding, the required documentation is limited and perfect credit is not needed. Nearly every industry can get a working capital loan.
Working capital loans are perfect for business owners who need short term funding to grow. Capital for Business working capital loans are simple, fast, and affordable and are designed to help with seasonal shortcomings with revenue, or the need to boost inventory.
- No collateral required
- Flexible Payments
- Limited documentation needed
- Perfect credit is not required
- Nearly every industry-accepted
- Business loans up to $500K
- Early payoff discounts
What is a working capital loan?
A working capital loan is a loan that is taken to finance a company’s everyday operations. These loans are not used to buy long-term assets or investments and are, instead, used to provide the working capital that covers a company’s short-term operational needs.
Those needs can include costs such as payroll, rent, and debt payments. In this way, working capital loans are simply corporate debt borrowings that are used by a company to finance its daily operations
How much do you need?
Estimated Interest Rate
Working Capital Formula
The working capital formula tells us the short-term liquid assets available after short-term liabilities have been paid off.
3 reasons why your business may need working capital
Seasonal differences in cash flow happen with many businesses, which may need a business capital loan to gear up for a busy season or to keep the business operating when there’s less money coming in. Additional working capital may also be needed to hire employees during a busy season or to expand inventory and pay suppliers
How can I get a working capital loan?
Most industries can qualify for a working capital loan and even businesses that have been open for as few as three months can apply. You can request from $5,000 to $500K; lenders will base their decision on your monthly sales volume. You’ll need to provide some documentation, but far less than for longer-term loans: Expect to be asked for bank statements and a landlord reference.
How can I use a working capital loan?
Working capital loans for businesses can help you pay operational costs, such as rent, payroll, and debt payments. You can use a working capital loan for any purpose, from working capital to inventory. Learn how a working capital loan might be the best solution for your small business.
Working Capital for Your Industry-Specific Needs
At Capital for Business we have helped thousands of businesses nationwide from various different industries achieve their small business financing needs. Finding your company the right small business funding options, from construction to small retail stores, and regardless of your credit rating, we will work with you to find the most flexible terms that are most beneficial to your business. So whether it’s a small small business loan, equipment financing, invoice factoring, working capital, or you are struggling with finding business loans for bad credit, we will tailor small business funding options and work quickly to get your business the funding it deserves.
Industry Specific Business Loans
- Auto Repair and Body shop loans
- Agriculture Business Loans
- Beauty & Wellness Business Loans
- Chiropractic Business Loans
- Cleaning Services Business Loans
- Commercial Trucking Loans
- Construction Business Loans
- Convenience Store Loans
- Daycare Business Loans
- Dental Practice Loans
- Electrician Business Loans
- Food Truck Business Loans
- Landscaping Business Loans
- Gas Station Business Loans
- Gym and Fitness Business Loans
- Hardware Store Business Loans,
- Manufacturing Business Loans
- Medical Practice Loans
- Pharmacy Business Loans
- Plumbing Business Loans
- Real Estate Agent Business Loans
- Restaurant Business Loans
- Retail Business Loans
- Senior Care Business Loans
- Transportation Business Loans
- Hvac Business Loan
What is the Best Business Loan for Your Small Business?
Whether you’re expanding your business, investing in marketing or advertising, or managing cash flow, it’s hard to grow without the right kind of small business financing.
SBA 7(a) loans from $30,000 – $350,000 from the Capital for Business network can be used for debt refinancing and working capital. Working capital includes operational expenses, marketing, hiring, etc. SBA loans can be used to fund new equipment purchases as well.
SBA Commercial Real Estate Loans from $500,000 – $5 million from the Capital for Business network can be used for the purchase or refinance of commercial real estate that is 51% owner-occupied.
Bank Term Loans
A Bank Term loan from lenders in the Capital for Business network is between 2-5 years and loan amounts anywhere from $30,000 to $500,000
- $30,000 to $500,000 loan amounts
- 2-5 year terms
- Fixed interest rate from 7.99%
- Monthly repayments
Business Lines of Credit
A business line of credit provided by Capital for Business is based on the revolving credit. That means you can use the funds over and over again. Having a business line of credit provides you with extra flexibility and peace of mind when it comes to injecting money into your daily operations. It helps you avoid downtime and make sure things are running smoothly
- Receive up to $250k with a business line of credit
- Business lines of credit rates as low as 6%
Small Business Loans
A small business loan from our marketplace of 100+ alternative lenders will enable you to get the capital you need for your business growth. Our high approval rates mean that we say ‘Yes’ when banks say no. Our lending process which takes less than 5 minutes will not affect your fico score and we boast a 24-hour loan approval.
Business Loans for Bad Credit
we have bad credit business funding options for business owners with bad credit. Bad credit shouldn’t affect your ability to receive a small business loan so our loan advisors take look at your business revenue and potential, rather than your credit score to find alternative lending options for your business.
Merchant Cash Advance
A Merchant Cash Advance is an innovative alternative to a traditional small business loan. Capital for Business utilizes your expected future credit and debit card sales to be able to provide you with working capital so you can put your business plans into action. Instead of fixed daily payments, the repayment for an MCA is completely flexible.
- Receive up to $500k with a merchant cash advance
- Factor rates as low as 1.15
- Access to business funding in as little as 24 hours
Are you in the need of new business equipment but don’t have the necessary capital on hand to pay for it? Equipment financing done with Capital for Business is truly simple fast and affordable. We are a top-of-the-line marketplace alternative lender that can provide you with same-day funding to purchase any type of equipment that your business may need.
Whether software, heavy construction equipment, vehicles, and much more. You will repay your equipment loan with low monthly payments and we keep the upfront cost minimal to something that your business can afford.
At Capital for Business, Invoice factoring is a quick and flexible source of funds for businesses that are waiting for outstanding receivables to pay. We simply utilize your accounts receivable as the collateral and advance funds against the face value of your invoices. Invoice factoring allows your credit line to grow proportionately with your sales cycle. We can fund as little as $5,000 a month and up to $2.5 million for larger companies.
Business Credit Cards
Business credit cards act as a revolving line of credit and are used for both purchases and payments. Businesses use credit cards with other loan products and are usually used for working capital purposes. Pre-revenue and startup companies can apply and receive these cards also, as well as established companies, of course. The biggest factor for approval is the strength of personal credit.
- Up to $150k
- Rates: interest rates starting at 0% intro rate for the first 6-18 months* and up to 19.99%
- Repayment: Revolving, credit cards are personal lines of credit.
- Fees: 3% to 5% origination fees
- Payments: Low monthly payments
- No collateral required
Credit Score: Must have a good credit score, at least a 680-fico score, good credit history, and a credit utilization not over 35%. Bad credit is not allowed
No Annual Revenue requirements to apply
- *not all cards have intro rates in our business credit card network
OUR FAST WORKING CAPITAL LOANS PROCESS
Get Working Capital in as Little as 24 Hours
In just three easy steps, you can access the right financing solution for your business. Our fast application and 24-hour funding process give you the working capital needed to grow your business in no time!
Apply in Minutes
Tell us about your business
Tell us All about you
Connect your bank account
FAQ: Working Capital Loans
Some of the examples of working capital Include, cash, inventory, accounts receivable, and cash equivalents.
Lenders, in general, may offer either secured or unsecured working capital loans. A secured loan requires that you provide your business’ assets, and sometimes your personal assets, as collateral for the loan. Getting a secured business loan may offer lower fees, but you also take on additional risks. Unsecured loans, like the business capital loans from the Capital for Business marketplace, might cost a little more but they don’t require collateral.
GET THE SMALL BUSINESS CAPITAL YOU NEED TO AFFORD YOUR DREAMS
FAST & SIMPLE