How Do Working Capital Lenders Work?

When it comes to having enough cash to operate your business model it can be hard. It can be even harder when you are just starting out. It can also be hard when you have an existing business considering expanding your company. There are a lot of costs that new business owners often forget about. The world we live in is highly regulated. This makes it almost impossible for a bank or a financial institution to act as working capital lenders.

Before you start looking for working capital lenders that meet your business’ needs, you need to understand what qualifies for working capital loans. Working capital is the funds available to your business to operate in the immediate and short-term future. This funding is typically in the form of cash. You can use working capital funding to help pay for equipment, supplies, cover payroll or other day-to-day operations. You can also use working capital to cover shipping costs or pay for utility bills. Depending on your business and industry will determine you’re your working capital needs are. Typically, working capital funds are not to be used for purchasing long-term assets or investing to grow your business. There are other lending options out there for long-term funding needs.

Working capital loans are a specialized form of funding for small businesses. Unlike traditional small business loans, you can use the funding as you see fit to run your daily business operations. As you continue to grow your business and tie up capital into growing your business, you will still need cash for the daily operations. That is where working capital lenders can step in and help.

Banks or other traditional lenders are looking for businesses that appear stable. Often needing working capital to run your business can make it appear that your business is unstable. At eBusiness, we know that not everyone has clients that pay them back on time. Some businesses have clients who are also waiting for clients to pay them back. This can become an endless cycle and that can scare off a bank.

Why should you choose working capital lenders over a bank?

  • Easy to fill out application
  • You can receive up to $500,000
  • For those who are approved, the minimum you will receive is $5,000
  • We can get you approved in just 24 hours!
  • You can apply as many times as you need
  • Your credit score does not play a large role in the decision to approve or deny
  • You don’t need collateral
  • We deposit the working capital you need into your bank account in just three short days!

We want to call out one of the bullets specifically. The ability to apply as many times as you need is critical for business’ that need working capital lenders. Some business models are always going to need access to working capital. We do not believe that they should be judged for that. That is why we have made it simple to get the cash you need and get it quickly. We have also made it simple to pay it back through a fixed percentage of your daily credit card sales. This is an automated process so you don’t even have to think about it.

Alternative funding providers who serve as working capital lenders are out there. Finding the right one for you can be a hard decision but we have tried to make our business stand out. Our easy to apply process and fast funding method can get you moving on all of your daily business operation needs. So if you are ready to see what our working capital option can do for you, contact us today!

Get Started Now

Call eBusiness Funding today at 305-985-6593 or complete the contact form on this page.



Article Name
How Do Working Capital Lenders Work?
Have you spent hours applying for loans to help you run your day to day business operations? Have you considered working capital lenders as an option?
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Andy L.

Andy L.

“I was tired of waiting on my bank… eBusiness was able to provide me the real cash I needed without the wait. Thanks!”
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