Working Capital Loans

Need capital to grow?
Ready to invest, in you?

Get working capital loans to $500,000 for expansion, renovation, technology, recruiting & hiring, marketing, advertising & seminars.

Loan Uses & Purposes:
Can be a single purpose loan or is also added to other loan purposes like purchasing a business or in a debt refinance loan.

  • Payroll

  • Inventory

  • Marketing

  • Advertising

  • Operational Expenses

  • Technology Upgrades

  • Renovations

  • Growth and Expansion

Conventional Loan: 

As a general rule conventional lenders aren’t fond of large size working capital amount loans. Terms are typically 3-5 years. Some lenders do not offer straight working capital loans by themselves but will add to other loan purposes like purchasing a business or in a debt refinance loan.

As with other conventional loans and business lending in general the strength of the borrower’s P&L and PFS will primarily dictate options and structures.

SBA 7(a) Loan: 

SBA loans are more favorable to working capital loans and loan amounts to $500,000 are readily available to qualified advisors. Ten year terms spreads out the payment and since there isn’t a pre-payment penalty you can pay it down as you like with no extra fees.

When 50% or more of an SBA loan is being used for working capital the SBA requires the lender to explain why this level of working capital is necessary and appropriate for the business.