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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.

Start on LoanBox

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Only as Necessary

Start on LoanBox for pre-screen, application and loan package and if you have questions along the way then chat , email or call a friendly human who will answer your question or help solve your problem.

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Advisor & Utilize

Human Navigation

Discuss your loan, get our feedback, and determine if you want to then do the loan yourself on LoanBox or have us take care of everything for and with you.

Forget this tech stuff, I want a human to just handle this for me.

  • Consultation

  • Loan Package Review

  • Lender Selection

  • Loan Navigation