What is a working capital loan?
A working capital loan can be a great opportunity for business owners. It's a good way to get a large sum of funding that can be repaid over many years with more favorable interest rates. They usually come with a fixed or flat interest rate, making it easier for you to estimate your payments.
- Typically for clients that need funds quickly
- Short Term
- Minimal Paperwork needed
Is a working capital loan right for me?
What are the advantages of a working capital loan?
Working capital loans can help you fund the day-to-day activities of the firm. Working capital loans are typically short-term, averaging between 6 and 24 months. Because of how quickly you can receive funds, the primary purpose of working capital loans is to address your company's immediate demands.
What can a working capital loan cover?
Use working capital loans to assist your business's growth - even when in a money-tight situtation. Your short-term financing needs can be alleviated without going through strict guidelines. This can be extremely helpful when your company is going through a time of low sales volumes or income.
What makes it different than a term loan?
The main difference between a working capital loan and a term loan lies in their purpose, repayment structure, and the type of financial needs they address.
Secure the capital you need based on cash flow — without having to pledge any type of asset or collateral.
Capital can be used to fund a variety of business needs from everyday operations to securing growth opportunities.
Idea when you cash fast, you can be approved in a little as 6 hours and funding in about 48 hours.
TFC clients who shorten payment cycles are eligible for an early payoff incentive to help fund what’s next.
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A funding expert will help you throughout the funding whole process.
No Hidden Fees
Move your company forward using additional capital with no hidden fees and no hard credit pulls.
TwinFold Capital is your #1 source for securing quality funding
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Working capital loans are specifically designed to address short-term cash flow gaps. They ensure that businesses have the necessary liquidity to cover operational expenses such as payroll, rent, utilities, and inventory even during periods of fluctuating revenue.
With a stable cash flow, businesses can continue their day-to-day operations seamlessly. This prevents disruptions and allows companies to focus on growth and strategic initiatives rather than being preoccupied with immediate financial concerns.
Businesses experience seasonal fluctuations in demand and revenue. Working capital loans help companies manage these shifts by providing the funds needed to ramp up production, increase inventory, and meet increased customer demand during peak seasons.
Market opportunities can arise suddenly, requiring swift action and funding. Working capital loans provide the necessary capital to capitalize on these opportunities, such as bulk purchasing discounts or launching a new product line.