Provider Financing · Working Capital
Working capital financing is the most flexible option in the portfolio. No restriction on how you deploy the funds. Cover payroll during a growth phase, invest in marketing, hire staff, bridge cash flow, or fund operations. When the need does not fit neatly into equipment or inventory, working capital does.
Overview
Funded as a lump sum like a term loan, but with no requirement to use it for a specific asset or purchase. Repaid over a set term with fixed or variable payments depending on the lender structure. SBA-backed options are available for qualifying businesses, typically offering longer terms and lower rates.
Why This Structure
The lender funds the loan into your business account. From there, you deploy it wherever the business needs it. Payroll, marketing spend, hiring, rent, tech stack, anything operational. The structure does not dictate the use.
Service businesses often have accounts receivable collections that lag 30, 60, or 90 days behind delivered work. Working capital bridges that gap so operations continue without borrowing from payroll or stretching vendor terms.
Unlike equity financing, working capital does not dilute ownership. The capital is a liability repaid over time from business revenue. Growth stays in your hands, and investor negotiations become optional, not required.
For businesses that qualify, SBA-guaranteed working capital programs offer longer repayment terms (often 10 years) and lower rates than conventional structures. Our network includes SBA-preferred lenders for qualifying applicants.
Common Use Cases
At a Glance
Other Options
Next Step
Apply to see working capital offers from our network of lenders, including SBA-preferred partners for qualifying businesses.
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