Working Capital Loans
Extend your buying power with Working Capital loans to make more efficient use of your cash on hand.

Working Capital Loan Advantages

Flexibility and cash-flow management.

Variety of financing products for all business and borrower types.

Fuel business growth and expansion initiative.

Quick approval and funding.

Working Capital Overview

Working capital loans offer the flexibility you need to manage everyday expenses like utilities, payroll, supplies, and more. Use a working capital loan to catch up on the bills or to launch a new project. You get to apply the money any way you need to benefit your business. Working capital loans improve your liquidity and help you avoid late payment penalties and overdue charges. They also boost cash flow so you can refurnish, repaint, restock, and refresh your look. If your business is struggling with credit issues, a working capital loan can help you get back on track. With a variety of lenders to choose from, we can match you to a lender who understands your business goals. Small businesses, women and minority-owned businesses, and businesses with bad credit can all benefit from a working capital loan. Ask a broker how to put one to work for your business today.

Flexible financing to respond to the market

Working capital loans work to help you catch up or move ahead. When revenue is down, it can be difficult to keep up with expenses, especially the unexpected kind. Since you can spend working capital loan funds on anything you need for your business, they’re extremely flexible. Use one to keep up with recurring bills like utilities, rent, legal fees, and payroll. A working capital loan is also a great way to boost your cash flow ahead of major projects like hosting a convention, launching a rebrand, or updating your lobby to attract more customers. Let us help you add cash to your wallet so you can take care of business faster.

Recently Funded:

Fix & Flip Line of Credit $1m

Our Services

You deserve straight forward, custom tailored financing solutions. And that is precisely what we deliver.


Avoid late payment charges and penalties by using a working capital loan to keep up with your monthly expenses. Failing to pay on time can damage your credit, cause you to lose vital services, and incur legal fees. A working capital loan helps you avoid those problems during periods of inconsistent cash flow.


Your personnel are the wheels that keep your business rolling. Without them, you could be stranded. Retain top talent and preserve your knowledge base by applying your working capital loan funds to payroll, so your progress doesn’t skip a beat. Our brokers can show you how to get a loan today.


It’s impossible to plan for every situation, no matter how well you manage your business. When your business is hit with unexpected expenses, it’s best not to let them linger. Get a working capital loan to help you address emergency needs like court filings, civil penalties, disaster damage, and on-the-job injuries.


Q. When do I need working capital?
Every business needs working capital every day. It’s what keeps the businesses moving from day to day. If you’re having trouble meeting short-term expenses, you may need to boost your working capital. Let our brokers help you find the right working capital loan.
Q. Can I get a working capital loan with bad credit?
Yes. Lenders like the SBA work with businesses that have been turned down for financing in the past. You can also find asset-based loans that focus on your asset values instead of your credit. Let us show you some options.
Q. Where can I get help applying for a working capital loan for my business?
Applying for a loan can be an intimidating process. You want to make sure you get your application right the first time. A broker can help you complete your application, organize your documents, and follow up with the lender.
Q. When is a working capital loan not the right fit?
Working capital loans can help you address basic business needs like bills and payroll. However, they’re not the best option if you want to buy real estate, rent equipment, or remodel your workspace. Our brokers can show you loans that target those needs and more.

Get the support and insight you need to take the right financing to move your business ahead.

SummitUp Capital can take you there.