Working Capital Loans

SBA 7(a) Working Capital Loans

Need funds to manage your day-to-day operations?

SBA 7(a) Working Capital Loans are designed to provide the flexibility and financial support your business needs to thrive.

Whether you're covering short-term expenses, preparing for seasonal demands, or managing cash flow, our working capital options are a smart solution to keep your business running smoothly.

With competitive rates, flexible terms, and the ability to combine working capital with other loan purposes like equipment purchases, real estate acquisition, or business expansion, you get a complete financial solution tailored to your business's specific needs.

How to Use an SBA 7(a) Working Capital Loan

A working capital loan is a short-term loan designed to help businesses cover their operational expenses, such as:

Day-to-Day Operating Expenses

  • Payroll and employee salaries
  • Rent, utilities, and office expenses
  • Inventory purchases
  • Accounts payable

Seasonal Business Expenses

  • Covering costs during off-peak seasons
  • Hiring temporary staff
  • Managing increased expenses during busy seasons

Emergency or Unexpected Expenses

  • Repairing or replacing essential equipment
  • Addressing cash flow gaps caused by delayed customer payments

Supplier and Vendor Payments

  • Paying suppliers upfront to secure better pricing or terms
  • Managing short-term supply chain disruptions

Marketing and Business Growth

  • Advertising and promotional campaigns
  • Website development and online marketing
  • Hiring staff for expansion

Key Benefits of SBA 7(a) Working Capital Loans

Working capital loans offer key benefits like improved cash flow, flexible repayment terms, and lower interest rates compared to other financing options. These loans help businesses cover short-term expenses, invest in growth, and maintain financial stability without relying on high-cost alternatives.

Who Qualifies for an SBA 7(a) Working Capital Loan?

While additional underwriting and SBA program criteria apply, these are the key initial eligibility requirements.

Minimum of 2 years of profitability

Your business must demonstrate at least two consecutive years of profitability, showing stable revenue and the ability to repay the loan.

700+ personal credit score

A strong personal credit score of 700 or higher indicates financial responsibility and improves your chances of approval.

No bankruptcies, foreclosures

Applicants must have a clean financial history without past bankruptcies or foreclosures, ensuring lenders of their creditworthiness.

Not currently delinquent on any debts

You must be up to date on all outstanding loans and financial obligations, as any delinquencies could impact loan approval.