Guides

Working capital, explained

Short-term money for running the business rather than expanding it — what it covers, how the terms work, and when a line of credit is the better shape.

Submit an Application2 minutes · no obligation

08 guides

What it covers
Running the business, not expanding it — and the distinction is priced.
Loan or line of credit
One gap or a recurring one — that is the whole decision.
How long the term runs
Three to eighteen months — and shorter is not the same as cheaper.
Daily, weekly or monthly
Same total, very different effect on the account.
How much to take
The maximum you are offered is almost never the right number.
Repaying early
Depends entirely on whether it is interest or a fixed factor.
Working capital vs term loan
Same mechanics, different horizon — and a very different bar.
Seasonal businesses
Twelve months of statements, and apply on the way up.

Other guides

By product

One application · every lender we work with

Find out what you qualify for before you need it.

Submit an Application2 minutes · no obligation

Working capital, explained

What it covers

Loan or line of credit

How long the term runs

Daily, weekly or monthly

How much to take

Repaying early

Working capital vs term loan

Seasonal businesses

Find out what you qualify for before you need it.