Small Business Working Capital Loans

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Up to $250,000 In Working Capital Loans Available Immediately For Your Business.

Is your business suffering because you don’t have enough cash?
Do you need additional cash to make your business run more efficiently? Are you feeling the strain of lacking enough money to purchase inventory, fund marketing, overcome seasonal sales slumps and more? ViewRidge Funding can get you the working capital that your business needs— providing additional cash flow for nearly every business situation.

ViewRidge Funding working capital loans are easy to apply for, hassle-free and don’t require secured collateral. Our Account Executives work with you one-on-one to quickly get you the cash you need to run your business. We have over 35 years of working capital loan experience— our Account Executives have helped thousands of businesses live the American dream.

“ViewRidge Funding helped me get a working capital loan quickly and without a lot of paperwork. The cash made all the difference. I was able to buy more inventory to support a new sales push. My business thrived because of the influx of cash.”

– Jim C., Simi Valley, CA

What is a small business working capital loan?

A working capital loan is a loan used by businesses to cover daily operational expenses (such as rent, company payroll, utilities, etc.) because your cash flow is tight and you are short on capital. There may be times where your business is in need of more capital to stay afloat or your business may have a large opportunity on the horizon that will tie up some of your cash – this is where a working capital loan may come into play.

An example of a working capital loan:

Suppose your company’s current capital and human resources incur $1200 in monthly expenses from day to day operations. The monthly revenue of your company, however, is only $700. In order to meet monthly expenses, your company takes out a working capital loan for $500 until its monthly revenue reaches the $1200.

Is a small business working capital loan the right option for my business?

A small business working capital loan is one of the easiest solutions for business owners. It can assist with helping businesses harness their full potential. Working capital loans act as unsecured debt, which means you as the business owner will not need to provide collateral as with traditional loan methods. This has many advantages for businesses that are in the early stages or businesses that are low on capital.

ViewRidge Funding has the tools and expertise to make this an easy process for your business. We can help you avoid lengthy processing times and a ridiculous amount of paperwork. In addition to assisting you with the initial loan, we offer ongoing working capital in times of need that can help with business expenses. If you’re still questioning if this is the right financial solution or not, give us a call: (888) 241-7241

What is a small business working capital loan used for?

Considering small business working capital loans are one of the most flexible options of financing available to small businesses, the number of ways it can be used may surprise you. While there are too many ways to name what a working capital loan can be used for, here are a few of the more common needs your business may come across in day to day operations:

Business Expansion

New location – Opening a second, third or fourth location is very beneficial for business because the increased revenue and presence.

New Employees/Staff – Depending on the nature of your business, this can mean new business hours and better customer service.

Inventory – Inventory is crucial for business and working capital can help with new products or the existing products.

Equipment – Having the latest equipment and up to date technology will make sure everything is runs smoothly and efficiently.

Business Maintenance & Improvements

Working Capital – At times a business can have slow cash flow and you may need funding
for day to day operations, like payroll and marketing.

Taxes – Self-employment taxes, payroll taxes, end of year taxes, local taxes or excise taxes; basically any tax bill you may have for the company.

System Updates – Making sure your business has the latest POS system or inventory software can really help with efficiency and customer satisfaction.

Remodeling – Does your business need a facelift or rebranding? Securing working capital can help you turn things around and thrive.

Bank Loans = Hassle

As a business owner you might turn to a bank to borrow of working capital. However, there are challenges to getting a bank loan:

  • Banks require extensive documentation to demonstrate your businesses’ ability to pay back the loan.
  • Decisions can take weeks or even months, with plenty of red tape.
  • Applications are too often declined, wasting your valuable time and at a cost of lost business for your company.

If your loan is approved, the bank might restrict the use of the funds or require collateral as guarantees for repayment.

“They were awesome! I expected to be “badgered” into getting the loan, this is how I was treated by other lending companies I reached out to. ViewRidge Funding made it easy. They listened to my concerns, offered me the most that they could, and allowed me to decided on a lessor amount. I was happy with that! Now that I know I can handle the smaller amount, I will consider another loan with them.”

– Stephanie D., Hawthorne, CA

Get Started Now!

It’s easy to get the financing or equipment you need. Just fill out the “Get Started” form below, or phone us at (888) 563-4567 from 7:30am – 4:00pm Pacific Time.

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“My experience was exceptional. I would recommend them to any business looking for some extra capital to grow their business. Jonathan and Dave were instrumental in making this a great experience.”
Jason, Miami, FL
“Working with the company has been a great experience. They came through in time of need with funds quickly, and provided terms and rates that are fair to work with. Thanks again!”
Dan, Willowbrook, IL
“I would recommend them to any small business owner in need of financial assistance! Justin is professional, personable and most importantly efficient in taking care of business. I have used them more than once and have never been disappointed. Thank goodness I have them to fall back on in times of need.”
Patricia, Burlington, WA