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BUSINESS LOANS

$4,000 – $1,000,000

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EASY APPLICATION,

NO OBLIGATION

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COMMITTED TO

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.

Benefits

  • 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?

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

%

Loan Term

Payments

Total Repayment:
Cost of Loan:
This is an estimation tool that provides a range of possibilities depending on creditworthiness and terms selected. Terms can be adjusted to increase or decrease your payment. To see all our loan calculators click here.

Working Capital Formula

Working Capital = Current Assets – Current Liabilities

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.

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 Loans

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.

  • highest loan amounts
  • lowest APRs
  • long repayment periods of up to 25 years
  • lots of available loan types

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%
  • Only pay interest on funds drawn
  • Credit is available when needed
  • Nearly every industry-accepted
  • Apply for loans online and link your business information securely

Small Business Loans

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.

  • Get up to $500k in business funding within 24 hours
  • Factor rates start at 1.15 and interest rates as low as 9.99%
  • Easy business loan application process
  • Flexible financing terms
  • No collateral needed

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.

  • 90% approval rates with business loans for bad credit
  • hassle-free application process
  • All credit scores are considered

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
  • All credit scores are considered
  • Qualify for 85-250% of your monthly credit card sales
  • Repayment based on daily credit card revenue and gross bank deposits

Equipment Financing

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.

Invoice Factoring 

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.

  • Competitive receivable financing rates with same day decisions
  • Improve Cash Flow Without Incurring Debt
  • Factoring Outstanding Receivables up to $2.5 MM

 

 

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.

Product Overview:

  • 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!

complete the form for a business loan

Apply in minutes

Complete a single small business loan application. It takes less than 5 minutes.

get fast approve for a small loanGet approved
in hours

The best small business financing options tailored to your business needs.

flie moneyReceive funds in as
little as one day!

Capital for Business makes your small business financing experience fast, simple, and affordable.

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.

Applying for working capital in our marketplace is simple, just tell us about your business, tell us about you, connect your bank statements. APPLY NOW

GET THE SMALL BUSINESS CAPITAL YOU NEED TO AFFORD YOUR DREAMS

FAST & SIMPLE

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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    They advocated so brilliantly for my account and are a huge reason for my renewed success with Capital For Business.
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    Jonathan N. Craig

    a trusted partner when your business does not work properly.
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    Geoffrey E. Avila

    If you have business problems you have to be part of your recovery plan.
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    Debra R. Daley

    They helped me with a business loan and now we’re thriving 🙂 thank you!
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    Edson Romero

    Quite a pleasureable experience!
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    Lisa B. McClean

    I had a really great experience getting funding for my business through Capital for business . Would highly recommend it.
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    Aaron S. Devlin

    this review wants to be of benefit to those who have trouble with their business and to trust their services.
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    Lillie Martinez

    Your staff and business associates were professional and efficient. I was treated with respect and they took the time to understand my business needs.
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    Trammy R. Young

    Jeff is absolutely the best. We are a small company and have been in business for less than 2 years. We reached out because we needed capital to give
    us that extra boost to make more money. We received the application right away and as soon as I sent it back he worked on a funding solution for our company. We had the money in our account the same day we signed off on the loan. Thank you!!! will recommend.
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    Smaat Money

    I do truly recommend them. I enjoyed working with them, easy to talk too and they explain all the process for what you need.
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    Cory Z. Sciortino

    It's such a professional company. I enjoyed the collaboration we had
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    Florence B. West

    Great experience. Great customers services. Great over all.
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    Harold M. Joseph

    I am really satisfied. Very helpful!
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    Maria Kincer

    They were recommended by a co-worker. I am pleased by the services and taking his advice.
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    A Google User

    I am really happy with Capital for Business services. Great ethics.
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    Angela Nagy

    They give their best to give your perfect solution. Fast, easy and without a lot of papers involved.
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    Charles V. Fraizer

    The thing that impressed me the most is that they try to find the best solution for you and they explain it to you step by step.
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    Benjamin G. Blast

    perfect for small business. They are trustworthy.
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    Carol T. Moir

    I thank them so much! Their customer service is impeccable.
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    Edwin C. Sims

    I recommend them. They are the best!
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    George L. Dodson

    I just started a new business and this company helped me sooooo much!
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    Roxanne J. Chambell

    Their loan saved my business. Thank you so much!
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    Marlene A. Esposito

    The greatest help for the small businesses community.
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    Michele R. Carrigan

    The thing I appreciate most about this company is that it's moral and client oriented.
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    James H. Fauver

    They were recommended by a close friend. Reliable company 100%
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    Bettie Nelson

    I do recommend this company! It is worthy!
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    Werner D. Seely

    Such great experience! I encourage everyone to come to Capital for Business!
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    Raymond S. McDermott

    Capital for Business was a recommendation and now I recommend them too!
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    Marjorie Fitch

    awesome place for small loans
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    Jamie M. Deming

    They were recommended by a close friend. Reliable company 100%
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    Bettie Nelson

    Very helpful, even helping me after hours with questions and help. I highly recommend them!
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    Mark G

    Half a year ago our business was falling into a pit but thanks to the loan from Capital for Business we are on track again.
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    Carmella A. McGregor

    Jeff is absolutely the best. We are a small company and have been in business for less than 2 years. We reached out because we needed capital to give
    us that extra boost to make more money. We received the application right away and as soon as I sent it back he worked on a funding solution for our company. We had the money in our account the same day we signed off on the loan. Thank you!!! will recommend.
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    Hamili Milligan

    Awesome to work with!
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    J&D Construction LLC

    Jeff was amazing and very attentive to my funding needs for my business! I had a couple hiccups but he did not give up and delivered on exact what I n
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    Ashley Johnson

    Easy process, superb communication!!!!! Looking forward to future endeavors!!!
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    William Richardson

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