Secure working capital that lets you take on bigger projects while keeping your daily business running smoothly
Every business, no matter the size or industry, experiences times when cash flow is tight. Maybe you’re waiting on customer payments, gearing up for a busy season, or handling unexpected expenses. That’s where Working Capital Loans come in. We help businesses secure the financing they need to manage daily operations, maintain stability, and stay ready for growth opportunities.
A working capital loan isn’t about funding long-term investments—it’s about giving your business the short-term boost it needs to keep moving forward. With access to a wide network of lenders, we match you with the right program, structure, and repayment terms so you can focus on running your business—not worrying about cash flow.
A working capital loan is a type of short-term financing designed to cover a company’s everyday expenses. Unlike traditional long-term business loans that are used for real estate or large equipment purchases, working capital financing is meant for operational costs such as:
The key advantage of a working capital loan is flexibility. Instead of waiting for accounts receivable to come in, or stretching your operating budget too thin, you can access quick funding to keep your business running smoothly.
Need quick $150,000 for leaseholds, equipment, working capital or whatever you want?
Borrow up to $150,000 for leaseholds, equipment, working capital, or general business needs.
Funding can happen the same day of approval (NO DELAYS!)
Based on two key factors: Strong personal credit Sufficient debt servicing ability (1.25x coverage for most industries, 1.5x for hospitality).
No need for invoices, business insurance, or first GSA
Amortization up to 5 years.
Choose fixed or variable (prime + spread, depending on credit). No prepayment penalties for paying off early.
If another bank holds first GSA, that’s fine as long as overall debt service is adequate.
Much less paperwork than a CSBFL (Canadian Small Business Financing Loan) financing application.
Different businesses have different financing needs. That’s why lenders offer several types of working capital solutions. The most common include:
Working Capital Loans are designed to help businesses manage short-term financial needs and maintain smooth daily operations. These loans provide quick access to funds for paying salaries, covering rent, purchasing inventory, or handling unexpected expenses. By improving cash flow, working capital loans reduce financial stress and ensure business continuity. With flexible repayment options, they empower businesses to focus on growth opportunities while staying stable during seasonal fluctuations or temporary challenges.
