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A Working Capital Loan is a type of short-term financing designed to boost a company's everyday operational needs. Unlike long-term loans used for purchasing major assets, these loans provide the liquidity needed to cover regular expenses like payroll, rent, inventory, or debt payments during slow periods.

How it works:

• The business receives a lump sum or accesses a revolving line of credit.
• Funds are utilized specifically for day-to-day business operations.
• Repayment is typically made over a shorter term (often 6 to 18 months) with regular fixed payments.

Key Benefits:

• Quick Access to Cash – Keeps your business running smoothly without cash flow gaps.
• Often Unsecured – Many working capital loans do not require collateral, protecting your business assets.
• Maintains Ownership – Get the funding you need without giving up equity in your company.

Qualifying Factors:

• Minimum time in business (usually 6+ months).
• Consistent minimum monthly or annual revenue.
• A fair to good personal/business credit score.