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Working Capital Loans

Find the Best Working Capital Loan for You

Loan Amount

$3,000—$5,000,000

Loan Term

3 months—25 years

Interest Rate

Starting at 7%

Speed of Funding

As fast as same day

What Is a Working Capital Loan?

A working capital loan is a loan that is taken to finance a company’s everyday operations on a short-term basis.

Positive working capital is essential to your business’s financial success. If you are operating with insufficient capital, it can be difficult to move forward when you experience gaps in your cash flow.

Your business can use this type of loan for a number of reasons. It can be used to pay your employees and rent during your annual lulls, or it can be used to purchase a vital piece of equipment without sacrificing the working capital you currently have.

How Do Working Capital Loans Work?

The way working capital loans work is straightforward, but it’s important to understand that the foundation of each program stems from a different loan type. If you're looking for funds to improve and maintain your operating capital, you should decide which option lines up with your particular needs.

Short-Term Loan

This type of commercial business loan usually ranges from 3 to 18 months and is repaid in daily or weekly increments.

  • Loan Amount

    $3,000-$500,000

  • Estimated Repayment Term

    3-18 months

  • Interest Rate

    Starting at 10%

  • Speed of Funding

    As fast as same day

Learn More

Merchant Cash Advance

A merchant cash advance (MCA) is a lump sum of capital lent against a business’s future sales.

  • Advance Amount

    $3,000—$500,000

  • Estimated Repayment Term

    3—18 months

  • Factor Rate

    Starting at 1.14

  • Speed of Funding

    As fast as same day

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Business Line of Credit

Available through both banks and online lenders, a line of business credit provides companies with a more flexible funding option that can be both short and long-term.

  • Loan Amount

    $5,000—$500,000

  • Estimated Repayment Term

    6 months—3 years

  • Interest Rate

    Starting at 8%

  • Speed of Funding

    As fast as 1 day

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Accounts Receivable Financing

Turn unpaid invoices into capital. Get back to running your business by bridging the gap and shortening your accounts receivable terms.

  • Advance Amount

    Up to 80% of receivables

  • Estimated Repayment Term

    Until receivables are paid by the customer

  • Factor Rate

    Starting at 1.02

  • Speed of Funding

    As fast as same day

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SBA Loans

SBA Loans are partially guaranteed by the Small Business Administration, which helps lenders provide more favorable terms to borrowers.

  • Loan Amount

    $5,000—$5,000,000

  • Estimated Repayment Term

    5—25 years

  • Interest Rate

    Starting at 6%

  • Speed of Funding

    As fast as 30 days

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Does My Business Qualify for a Working Capital Loan?

Qualifying for a small business capital loan is not as hard as you may think. Newer businesses, even startups, can qualify for this kind of loan.

While requirements are unique to each lender, the qualifications are dependent on the type of working capital loan you choose to take on.

If you would like to know if you qualify for a working capital loan, please contact one of our Business Advisors for more information. We’d be happy to provide some guidance towards the best program for your business’s needs.

(800) 735-6107

How Do I Apply for a Working Capital Loan?

Online business lenders offer quick and easy working capital loans. Applications are submitted online in minutes and only require basic contact and business information. Most lenders will ask you to provide recent bank statements in addition to your application. These documents will help your lender to determine a loan amount that fits your financial needs and structure.

While each lender wants to help your business get the working capital loan you need, every company’s process is different. Before diving into an application, be sure to do your research and find a lender that offers a wide variety of working capital programs. The more options you have available, the better your chance of finding a loan that’s right for you.

Some other documents you may need are:

  • Driver's License

  • Tax Returns

  • Bank statements

  • Voided Business Check

  • Proof of Ownership

How Can My Business Use a Working Capital Loan?

Considering working capital can be used in a number of ways, it's up to you to decide where the money should be spent. Here are some general examples of how you can use your future working capital loan:

Emergency Expenses

Emergencies arise when you least expect them. However, you should always be prepared for these situations.

Picture this – a vital piece of equipment breaks down and you’re forced to buy a brand new replacement. You can use your working capital loan to make that purchase and avoid dipping into the money you have set aside for other expenses.

Growth Opportunities

If your business comes across an opportunity for growth, it could require more capital than you have available.

For instance, you may have a large purchase order from a new client and not enough inventory to fulfill it. A working capital loan can fund your expenses and be paid off quickly, once you turn that product around. With a working capital loan, you can cover daily expenses and take advantage of moments like these, all at once.

Seasonal Peaks and Lows

Seasonal businesses can really benefit from a small business working capital loan. Although busy seasons (like the holidays for retail stores) bring in a lot of revenue, businesses need a lot of capital to prepare beforehand.

Conversely, some companies endure slow seasons (like a landscaping business during winter) and need help affording expenses like payroll. Whether you’re preparing for a yearly rush or dealing with a slow season, a working capital loan can provide the funds to get you through.

What Will a Working Capital Loan Cost?

Considering small business working capital loans derive from other loan types, the cost will depend on the program you choose.

If you already have a working capital loan in mind, one of our Business Advisors can help you get a better understanding of what each loan option may cost. You can get in touch with one of our advisors by calling (866)-675-4361 or click here to chat with us directly.

Each one of these programs is unique in its own way. Whether you’re trying to qualify, apply or learn the cost of each program, your answers will vary.

It’s important to get all of the information you need before committing to a specific working capital loan program. Let Fast Capital 360 guide you through this process.