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Working Capital Business Loans

Working capital loans are an excellent alternative for businesses to acquire short term cash for virtually any business need. Institutional banks are still not lending to businesses and there is a huge under served population of small to medium sized businesses in need of working capital to help them grow and expand.

Unlike business cash advances, working capital loans do not require a business to accept credit cards in order to get funding. Virtually any business with a minimum of $120,000 in annual sales and healthy cash flow can be eligible.

Privately funded working capital loans are not "permanent" capital. They are not designed for long term financing.

The terms for working capital loans range from 6-24 months and the average rates range from 14 - 30%.

Working capital loans are repaid through direct debit each business day or weekly. Monthly payments are not offered at this time.

Almost all business types are eligible for our working capital loan program. Some of the most common types include:

  • Restaurant and Retail
  • HVAC, Plumbing, Electrical
  • Medical and Dental Practices
  • Wholesalers
  • Construction and Service Industry
  • Day care and Assisted Living
  • Auto Repair
  • Manufacturing and Machine Shops
  • Catering
  • Salons, Spas, and Fitness
  • Franchises
  • Technology and Telecom providers

Common uses for our working capital loans include inventory, equipment purchase, expansion, advertising, remodeling, and opening additional locations.

Working capital loans are not available for start up businesses. Only business that have been open at least 6 months with documentable cash flow should apply.

Unlike with bank financing, perfect credit is not required to get approved. The strength of the business and the ability to repay is the primary focus when approving a loan. Each individual business is analyzed for it's own strengths and weaknesses.

The application process is quick and easy. Much easier than a traditional bank loan. Some of the benefits of a privately funded working capital loan include:

  • Fast funding in as little as 5 days
  • High approval rate
  • Limited paperwork and financials rarely required
  • No collateral is required
  • Doesn't prohibit a business from obtaining bank or SBA financing
  • Improved business credit rating
  • Businesses are eligible for additional funding when half of the loan is paid back
  • No restrictions on use of funds
  • Perfect credit is not required

The only documentation required to get approved other than an application is 3-6 months of business bank statements. If the business is seasonal 12 months may be required. Tax returns and financials are rarely required.

Approval amounts are typically up to 10% of documented average annual sales volume. For example, if a business averages $50k per month in total deposits they can qualify for up to a $60,000 working capital loan.

There are no up-front or application fees associated with our working capital loan programs. It costs nothing to apply and get approved.

Contact us today to get more information about our program or simply apply online.


Toll Free: 1-800-563-4780

E-mail: info@sbacinc.com


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Small Business Advance Capital, Inc
9603 Deereco Rd, Suite 300, Timonium, MD 21093
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