Working Capital Loans

A simple application process and fast funding mean you’ll have working capital sooner.

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What is a Working Capital Loan?

A working capital loan is a loan that businesses can take to finance their everyday operations. Instead of buying long term assets or investments, these loans provide working capital to cover businesses’ short term operational needs.

How a Working Capital Loan Can Work for You

A working capital loan is a loan used to finance everyday financial operations for small businesses that are lacking current cash flow. Working capital loans are used for short-term needs rather than long-term needs, assets, or investments for any given business. This loan type is used to sustain business growth on a daily basis to help you visualize long-term success.

Every business should have cash on hand to cover both planned and unexpected expenses. Cash reserves help cover the everyday fluctuations faced by your business. For those who don’t have the cash flow for everyday expenses, or have a predictable revenue stream, we offer working capital loans as a lifeline to give you access to cash when you need it most.

Hire More Staff icon

Hire More Staff

  • Hire new employees to support your business growth
  • Make sure payroll is covered so your workers are paid on time
Finance Equipment icon

Finance Equipment

  • Replace outdated equipment with newer models for your business
  • Cover the cost of equipment maintenance or repairs
Add Inventory icon

Add Inventory

  • Introduce new items, product lines, or services to drive revenue for your business
  • Stock more best-selling items during your busy selling seasons
Manage Cash Flow icon

Manage Cash Flow

  • Maintain daily operations even through gaps in cash flow
  • Continue running your business seamlessly during seasonal lulls

How to Get a Working Capital Loan

Applying for a working capital loan is simple with National Funding. We'll connect you with a dedicated Loan Specialist to help you understand your options. Apply online or connect with a specialist over the phone.

How Does a Working Capital Loan Work?

Fast & Easy Application Process

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Helpful Loan Guidance

Helpful Loan Guidance

A Loan Specialist will contact you to help you choose the right business financing option.

Quick Decision, Fast Funding

Quick Decision, Fast Funding

You could be approved, and funds deposited into your account, in as little as 24 hours.1

What are the Benefits of Working Capital Loans?

A working capital loan is the quickest and easiest way for small businesses to receive the lines of funding they need to achieve their full business potential. When businesses don’t have the funding for current expenses, a working capital loan can help make up the financial shortcomings until the business is stable. These funds can go towards whichever expenses need immediate attention to help you grow your business.


Be prepared

Be Better Prepared for the Future with More Capital

While the saying may be ‘business isn’t personal,’ we know small business owners take pride in their companies, and that business truly is personal.

Businesses that are prepared for current financial payments are better prepared for the future growth of their business. For businesses to see long-term success, business owners need to make sure they have the cash flow to keep their business afloat. Without this preparation, businesses will run into late payments, decreased credit scores, and higher interest rates on business loans and future credit lines. By applying for a working capital loan, it will help you with a shortage of short-term financial resources when your business needs it most. Small business capital could make all the difference in the success of your company, and we want to help.


Maintain Ownership

Maintain Ownership of Your Business

Traditional equity investors likely require you to give up a percentage of your business in return for funding, which gives some of the ownership power to the investor. With a working capital loan from a bank or a financial institution like National Funding, you continue to hold ownership over your business and are only required to make the payments that are agreed upon — all with new, working capital.


No collateral

Working Capital Loans With No Collateral Required

Some small business working capital loans require collateral of some sort, but we provide working capital without collateral. Business owners can maintain ownership of their assets while taking out a working capital loan, even when funding needs are imperative. When applying for a working capital loan, we look at the current status of your business which helps us determine the loan amount that suits your business.


Provides flexibility

Provides Financial Flexibility

A working capital loan can be used how you personally see fit for your business, no strings attached. Working capital loans can be used for paying employees, purchasing equipment, paying bills, and more. No matter the financial needs, receiving a working capital loans for your company allows financial flexibility to help you with your business needs.

What Customers Are Saying

Master Handyman, LLC - Cheryl Dailey's Story

Cheryl Dailey, Owner

Master Handyman, LLC

Focusing its business on providing handyman services to commercial enterprises in Cleveland, Master Handyman looked to secure a working capital loan to cover key expenses and allow them to hire new staff to foster growth. They wanted “real employees, not just day laborers”, and working with National Funding gave them the cash resource they needed to make it happen.

Craig Hart, Owner

Smyth Electrical Services

As the business entered a period of expansion, having the reliability of available cash was critical to alleviating the stresses that growth can cause. Being able to rely on National Funding’s small business loans was the peace of mind that help the head of this small business rest easy.

Smyth Electrical Services - Craig Hart's Story

Why National Funding?

We have experience helping a wide variety of business owners secure the right financing solution — funding for any company

We Know Your Industry

We Know Your Industry

We have experience helping a wide variety of business owners secure the right financing solution

Fast & Easy Application Process

Fast & Easy Application Process

No-cost, no-obligation application with funding in as few as 24 hours1

Trusted by Businesses Like Yours

Trusted by Businesses Like Yours

Over $3 billion in funding to more than 50,000 businesses nationwide

Loan Specialists Who Care

Loan Specialists Who Care

Experienced Loan Specialists help you make the right decision

High Approval Rates

High Approval Rates

Even if you’ve been turned down elsewhere, there’s still a great chance we can get you the business capital.

Hassle-Free Payments

Hassle-Free Payments

We provide fixed terms and set up simple, automatic payments.

Working Capital Loans Resources

A personal loan can help your business reach new milestones. You know you can use loan funds for inventory purchases or to pay an unexpected tax bill. Working capital loans can also allow you to explore new marketing avenues or upgrade outdated sales software. Explore the resources below to learn more about how business funding can help you succeed.

What Is a Working Capital Loan?

What Is a Working Capital Loan?

A working capital loan adds to the money you have on hand for your business’ daily needs. Funds from a working capital loan can go toward things like payroll, rent, inventory, etc. Sometimes, you’re waiting for receivables and suddenly money is tight, and a personal business loan may be a good solution. Check out this blog on the ins and outs of loans for cash reserves. With business financing, you can make your money work for you, and not the other way around.


Business Cash Reserves: How It Can Fuel Operations and Growth

There's a lot to consider when deciding how to use business funds for your company. You need cash to keep your business running and pay vendors. However, it's also important to look at the future of your business and think about investing in potential growth opportunities. By knowing how you wish to use business capital, you can begin to calculate how much you might need to reach your business goals. This article can help you learn how to determine your working capital needs.


FAQ: Working Capital Loans

Finding the cash your business needs to pay bills or take on the competition isn't always straightforward. Like most business owners, you probably have questions about loans and financing options. We put together some of the most common questions about working capital loans to help you get the answers you need.

Is it hard to get a working capital loan?
Many small business owners assume getting capital loans is a long, drawn-out process. Luckily, it doesn’t have to be that way! Alternative lenders like National Funding provide loans for businesses with easy online applications and quick response times. In fact, you could see your loan application approved in as little as 24 hours1.
Does working capital include cash?
Most definitions of working capital include cash. This is because business capital is your current assets minus your current liabilities. Cash, like the money you get from a loan, plays an important role in running the current operations of your business.
What does “working capital” tell you?
Your business’ cash reserves and assets can give you a great snapshot of how well you are using business resources. If your business has a lot of assets, including cash, inventory, and accounts receivable, with only a few liabilities, your business is probably in a good place financially. Sometimes, however, you have to wait for a customer to pay an invoice or you need to purchase new inventory and don’t have the cash. That’s where financing solutions can help your business bridge the gap between cash on hand and expected receivables.
Can a working capital loan help me if my business is doing well?
It might sound counterintuitive, but securing a business loan while sales are up could be a smart move financially. Your working capital loan can be used for more than just overdue bills. For example, your restaurant is packed every night, and you have to turn customers away because you're too busy. You decide to move to a new location but to afford the new spot, you'll need extra cash. You could use a loan to help cover the costs of the move, including hiring more servers and installing kitchen equipment. At any point, allow our trustworthy lenders to help you obtain a working capital loan — even if your business is doing well.
What is the difference between working capital and term loan?
A term loan is a long-term loan for funding large capital assets. Working capital is meant to provide you with funding to cover everyday business expenses and operations during a slow season or tight time, while a term loan is used for a longer amount of time and may be planned further in advance. This contrasts with working capital loans which are borrowed for a shorter term and are for operational costs rather than investing in capital assets.
How do I apply for a working capital loan?
You can apply for a working capital loan by filling out an application form with basic financial information about your business. Apply for a personal, working capital loan from National Funding here.

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Products offered by National Funding and affiliates are business loans only. The products may be provided by third parties and subject to lender approval. In California, loans made or arranged pursuant to a California Financing Law License.