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Working Capital

Are you running a seasonal business that gets most of its income from only a few months out of the year? Working capital can run dry during the off-seasons, leaving your business struggling to get by until revenue picks up. We can help you even out the year with working capital financing.
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What is
Working Capital?

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Working capital is the cash you use to handle the daily needs of your business.

To find out what your working capital looks like, just divide your current assets by your current liabilities. Leave out any assets that can’t be cashed out during the year. Add in any debts coming due. What you’re left with is your working capital ratio, which can indicate how healthy your business is.

In most industries, the ideal working capital ratio is two.

Less than two, and you could be in trouble. More than two indicates that you’re missing investment opportunities. Working capital financing gives you a boost so you can get on top of utilities, supplies, payroll, and more. Need extra cash for special projects? A working capital loan can help you launch them.

Unlike traditional real estate or construction loans, working capital loans aren’t tied to a specific purchase.

You can use them as you see fit when the need arises. This makes them some of the most flexible loan options available. We’ll help you increase your cash flow with a working capital loan from our network of reliable lenders.

Line of Credit

You can use a secured or unsecured line of credit to address your company’s seasonal ups and downs. Spend when you need to and pay back when you can. Want more cash? Simply tap into your line of credit again. When you make payments, you free up borrowing room for the future.
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SBA 7(a)

You’re probably familiar with the Small Business Administration, but did you know the SBA can help you with working capital? The SBA 7(a) loan lets you use funds for real estate, construction, equipment, or working capital. Even if you’ve been denied credit before, the SBA can help.
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Hard Money

Leverage your assets to bring in extra cash during the slow season. Since hard money loans are based on the value of your assets, you don’t need a high credit score to qualify. Hard money loans can be approved much faster than traditional bank loans, letting you handle your needs right away.
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What Are The
Advantages

Funds aren’t tied to a specific purchase.

Get cash for daily expenses quickly.

A line of credit lets you borrow as often as you need.

You don’t need perfect credit to qualify.

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F.A.Q.’s

Q. Why is working capital important?
Working capital is a measure of your company’s liquidity, meaning how well you’re able to meet your financial obligations. You might be rich in assets, but if you can’t pay your bills, your business will be in trouble.
Q. Is a high working capital ratio good?
Your ideal working capital ratio depends on the type of business you operate. Each industry has its own ideal ratio. If yours is high for your industry, it could mean that you have excess cash lying around. Put that cash to work by making investments that expand your business.
Q. Is a line of credit the same as a credit card?
There are some similarities between a line of credit and a credit card. In general, lines of credit have higher limits and lower APRs. Lines of credit can also be secured, meaning you use assets as collateral. Most credit cards are unsecured debt.
Q. When is a working capital loan not the right fit?
Working capital financing is a valuable tool for any business, but it’s not always the best fit. If you need to onboard equipment or new real estate, it’s better to look for loans designed specifically to help you fund large purchases. A working capital line of credit, for example, isn’t a substitute for a mortgage.

We help you stay in capital.

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