Working Capital
Working capital is a crucial aspect of a business's financial health and refers to the funds available for day-to-day operations. It represents the difference between current assets (such as cash, inventory, and accounts receivable) and current liabilities (such as accounts payable and short-term debt). Working capital serves as a financial cushion that enables a business to cover its operational expenses, manage inventory, meet short-term obligations, and pursue growth opportunities. Sufficient working capital ensures smooth business operations, timely payment to suppliers, and the ability to seize favorable market conditions. Insufficient working capital, on the other hand, can lead to cash flow challenges, missed opportunities, and potential business disruptions. Therefore, businesses need to carefully monitor and manage their working capital to maintain financial stability and support ongoing growth.
Working Capital FAQ
What is a working capital loan?
A working capital loan is short-term funding used to cover everyday business expenses like payroll, rent, inventory, or marketing.
How can I use a working capital loan?
You can use it for almost any business need, including:
* Managing cash flow
* Covering seasonal slowdowns
* Purchasing inventory
* Paying vendors or suppliers
* Funding marketing campaigns
Who qualifies for a working capital loan?
Most businesses with at least 6 months in operation and $100K+ in annual revenue may qualify. We also have options for newer businesses.
How much funding can I get?
Loan amounts typically range from $5,000 to $500,000, depending on your revenue, business health, and loan type.
How quickly can I get the funds?
We offer same-day or next-day funding for most qualified applicants.
What are the repayment terms?
Terms vary, but most working capital loans are repaid daily, weekly, or monthly over 3 to 24 months.
Will applying hurt my credit?
No. We offer soft-pull pre-approvals that do not affect your credit score.
Do I need collateral?
Most working capital loans are unsecured, meaning no collateral is required.
Why choose Express Business Lending for working capital?
* Fast, flexible funding
* Simple application process
* Low-doc and no-collateral options
* Personalized support and transparent terms
GET FUNDED IN 1-2-3 EASY STEP
Checking your rate won’t affect your credit score
Apply Online
- Fast & Easy Online Application Our loan specialist will contact you or call us at our phone number: (877)-2411244
Review Your Options
-You will have your decision in minutesNo paperwork, no waiting
Get Funded
- True term loans – $5,000 – $1,000,000 Receive funding in as fast as 1 day
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EQUIPMENT FINANCING
Get funding to purchase equipment for you business to keep on growing.
WORKING CAPITAL
Quick and simple cash available for any business purpose.
TERM LOAN
Our specialists will tailor a business loan to fit your needs.
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Lowest rates available with an SBA 7a,504,or express loan.
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Get funding for your next real estate project. Fix and Flip Funding, Single Family/Multi Family and more.
INVOICE FACTORING
Get paid upfront for your 30-60 or 90 day old invoices.
BUSINESS LINE OF CREDIT
Access capital for your business when you need it and only pay interest on the funds you use.
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THAT YOU CAN COUNT ON
At Express business lending we appreciate how investing in relationships brings mutual prosperity. Who we partner with ensures the best services available for our customers.
To discuss potential opportunities, please call
(877)-2411244
Industry leading approval process that is easy and less intensive. Get the capital you need to allow your business toFooter grow, today!