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Are working capital loans a good idea? If you run a small business, you probably understand the importance of working capital. It’s the money that keeps the gears of your business moving. Working capital allows you to make payroll, pay the bills, and buy inventory. But if the time between collecting revenue and paying expenses runs too short, you may find yourself with plenty of receivables but strapped for cash. If you are [...]

Are Working Capital Loans the Best Option for Businesses with Bad Credit? If your business has been struggling and your credit score is low, you may be having trouble finding business funding opportunities. Small business loans from a traditional bank can be hard to get and it’s unlikely you would be able to secure a business line of credit either. There are plenty of opportunities for business with good credit scores, but how [...]

What’s the Difference Between a Business Line of Credit and a Working Capital Loan? Click edit button to change Even businesses that show healthy annual profits can experience month-to-month fluctuations in income that affect working capital. Seasonal or cyclical businesses can go through peaks and valleys that can sometimes make it difficult to meet regular operational needs. There are small business loans that can help with long-term expenses, such as equipment purchases or [...]

Does a Working Capital Loan Affect Working Capital? Working capital is the lifeblood of a business. It’s the money that keeps the business running and able to meet its day-to-day operating needs. There is a simple way to look at working capital, which is current assets less current liabilities. When these assets fall below the liabilities on a regular basis, it may be time to look at obtaining a working capital loan, a [...]