Get working capital for my business
Short term financing for payroll, trade discounts and inventory.
Payroll
Working capital is generally used for short term payroll
Trade discounts
Short term cash to take advantage of trade discounts
Inventory
Inventory purchases, and more
Every business needs working capital
Every business needs working capital. There are many different products out there that can help with this. Working capital generally is used for short term financing needs including, but not limited to short term payroll, trade discounts, or inventory purchases.
How much of a line of credit do I need?
There are MANY different ways to determine this.
15%
of Annual Revenues
70%
of Accounts Receivable Balance
25%
of Inventory Balance
2–3 months
of operating expenses
2–3
payrolls
Financing options available
SBA programs
SBA Express Line of Credit
SBA Working Capital Pilot Program
SBA 7a Term Loan
Bank and credit union options
Conventional Line of Credit
Real Estate Secured Line of Credit
Business Credit Cards
Other financing
Unsecured Business Lines of Credit
Factoring Line of Credit
Merchant Cash Advance
Helpful articles, resources and tools
Helpful articles
Helpful resources
- How to use a Line of Credit properly
- Quick Tips: Line of Credit
- How Business Credit Works
- SCORE – National Business Advising Services
- Small Business Development Center – Washington
- Small Business Development Center – Oregon
- Small Business Development Center – Idaho