Working Capital and Lending Solutions

Financial products and services that provide funding and capital to support the growth and operations of small and medium sized businesses.

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When it comes to working capital for businesses there are financial products and services designed to provide funding and capital to support the growth and operations of small and medium sized enterprises. These solutions aim to address the unique financing needs and challenges faced by small businesses, such as limited collateral, shorter operating histories, and higher perceived risk.

Common Lending Solutions Available to Small Businesses

Traditional Bank Loans

Small businesses can apply for loans from banks, typically offering competitive interest rates and flexible repayment terms. These loans may require collateral and a strong credit history.

Small Business Administration (SBA) Loans

The SBA provides various loan programs, including 7(a) loans, microloans, and CDC/504 loans, which are specifically tailored to support small businesses. SBA loans offer favorable terms and lower down payment requirements.

Online Lenders

Online lending platforms provide quick and convenient access to funding for small businesses. These lenders often have streamlined application processes and may consider alternative factors, such as online sales or social media presence, for evaluating creditworthiness.

Invoice Financing

Also known as accounts receivable financing, this solution allows businesses to borrow against their outstanding invoices. Lenders provide a percentage of the invoice value upfront and collect the full amount when the customer pays, deducting a fee for the service. In the payments industry you may hear terms like Merchant Cash Advance.

Equipment Financing

This type of lending enables businesses to acquire equipment or machinery by borrowing funds. The equipment itself serves as collateral, making it easier to secure financing. Repayment terms are typically aligned with the equipment’s useful life.

Business Lines of Credit

A line of credit provides businesses with access to a predetermined amount of funds that they can borrow as needed. Interest is charged only on the amount borrowed, making it a flexible option for managing cash flow fluctuations.

Peer-to-Peer (P2P) Lending

P2P platforms connect borrowers directly with individual lenders who are willing to provide funds. These platforms often offer competitive rates and terms, and the application process can be less stringent than with traditional lenders.


Small businesses can raise funds by presenting their business idea or project on crowdfunding platforms. Investors or donors contribute funds in exchange for products, equity, or rewards, depending on the platform and campaign structure.

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To carefully assess your financing needs, compare available options, and consider factors such as interest rates, repayment terms, collateral requirements, and eligibility criteria before we assist in choosing a lending solution that aligns with your specific circumstances and goals. Let’s work together to find the right funding for you.

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