Working Capital

Operating a business requires a steady flow of capital.

Our Working Capital loans are smart, affordable solutions to meet short term cash flow needs. Instead of making your business fit our box, we make our funding options fit yours. Funds can be in your account in just days because unlike your local bank there is no red tape or mounds of paper work. Most business owners use this capital to purchase inventory, cover unexpected expenses, increase staff, ramp up advertising, or to take advantage of a sudden business opportunity. We can approve your small business for up to $250,000 in working capital in just 24 hours. See our FAQs page for more details on qualifying.

Fast, renewable source of capital at a price you can afford.

Despite your credit situation we GUARANTEE to offer the lowest cost of funds or we will make your first payment for you! That is how we stand behind our service. We understand the economic crash impacted small business owners credit. Despite your obstacles we have a program that fits – low credit score? less than stellar financials? tax liens? no assets or collateral? less than 2 years in business? NO problem. We custom tailor payment and repayment programs that can work for any business owners budget. Our funding is also renewable so once your a customer you’ll have access to additional working capital loans on the fly without paying off your existing balance.

  • Rates as low as 5.99%!
  • NO collateral or assets required
  • NO hidden fees or costs
  • NO prepayment penalties
  • LOWEST COST GUARANTEE…if we can’t beat your Quote we’ll make your first Payment!

Benefitting Your Small Business

Working Capital Loans Offer Many Benefits for Small Businesses

Our working capital loans are easy for any small business owner to obtain, and can give you peace of mind in knowing that any gaps in your working capital expenditures will be covered. Since stable and predictable revenue is hard to predict throughout any given year, these loans prevent the gaps from disrupting your business flow during periods where capital might be tight, and they are easy to pay off once revenue picks back up.

The Application Process is Simple and Fast

Standard business loans often require extensive paperwork and a drawn-out approval process – both of which eat up valuable time that could be used more productively. The application process for our working capital loans is simple, straightforward, and quick. Qualification and approval are determined within days - or sooner – which means that you can focus on more critical business tasks rather than being bogged down by a cumbersome process.

Flexible Funding

We don’t understand the ins and outs of your business nearly as well as you do, which means that we’re not going to restrict how you use the working capital funds. No matter what aspect of your business operations needs a short-term cash infusion, a working capital loan is flexible enough to meet your needs.

Upfront Terms and Rates

With our working capital loans, you can rest assured that you will get the lowest rates available, without any hidden fees or costs. And if it turns out you only need the funding for a shorter period of time than you anticipated, you won’t be hit with unexpected prepayment penalties.

Successfully Meet Any Challenges you Encounter

Without adequate cash flow, even titans of industry can quickly find their company in peril. But the fact of the matter is that all businesses will experience revenue fluctuations based upon a combination of factors, including those where you have little control. Revenue can be significantly impacted by things like the overall state of the economy, any major catastrophic events nearby, actions of competitor firms, new regulations, a drop in demand, and even internal restructuring. A working capital loan can help you successfully rise to overcome any of these challenges, amongst others.

Leverage Opportunities

On the flip side, you may encounter a major opportunity that could move your business goals forward. Perhaps you have an opportunity to expand your operations or purchase discounted equipment and inventory. Sometimes these offers are only on the table for a short period – don’t miss out on a great opportunity just because you don’t have the cash on hand.  A working capital loan can provide the cash you need to capitalize on these opportunities when they arise.

No Collateral and you Retain Full Decision-Making Power

Unlike other loans or equity investments, you don’t necessarily need collateral, and you certainly don’t need to sacrifice a percentage of your company in return for the funding. Provided that you make the necessary payments, you retain full freedom to run your business the way you see fit – without external demands.

Working Capital Loans

Working Capital Could Be the Answer for Your Small Business!

As a small business owner, having cash on hand is critical to managing your supply chain. Working capital for business allows you to pay creditors and buy materials or inventory necessary to fulfill customer orders. Small business loans to expand your business or assistance in buying inventory can take a significant amount of time to be approved, often leaving your business struggling to address critical needs.

Our experienced and knowledgeable team can help you to meet your working capital for small business needs, doing so in a shorter time frame. We can help you to address your cash flow needs quicker, depositing cash in your account in as little as a week.

As a small business owner, you depend on your debtors paying their invoices on time to maintain your cash flow, allowing you to meet the next round of orders. When invoices are not paid on a timely basis, it can impede your ability to pay your creditors and purchase additional inventory to fulfill your next round of orders.

Your small business could also be in a state of expansion and growth. After all, as your reputation grows, you may need additional cash reserves to buy inventory to fulfill larger orders. How can you get the cash your business needs to be successful and meet the inventory needs of those larger orders? Small business capital loans can be a means to tap into the financing necessary to fuel your growth.

How do small business working capital loans actually work? Your small business could apply for financing based on your sales or a loan against upcoming invoices. Essentially, you are demonstrating your ability to repay the small business working capital loan by demonstrating how much business you have in your pipeline. Working capital financing for business is a means to address the needs of your business right now, without forcing you to rob Peter to pay Paul.

Working capital for small business is key to building and growing your business. Depending on the needs of your business, you may be able to apply for a working capital line of credit, which can help your small business by offering continual access to cash as you need it. The terms can be favorable, but it is important to count the costs associated with any type of financing. Our underwriting team will work with you to help determine the working capital financing options available for your business, based on your current financials.

Traditional small business loans or small business working capital can provide you the capital necessary for your small business needs, but often the timing can leave you waiting for a significant period of time before you know whether you have been approved. That kind of timing can negatively impact your business. Plus, traditional banks and financing institutions often require your business to have impeccable credit, which can be challenging, especially for small businesses that are just starting out.

Despite your credit situation, we guarantee to offer the lowest cost of funds or we will make your first payment for you! We stand behind our service and are proud to be a source of financing for small businesses. At Formula Funding, we understand the economic crash impacted small business owners’ credit. No matter what your obstacles – low credit score, less than steller financials, tax liens, no assets or collateral, less than 2 years in business – we have a working capital program to fit your needs.

We custom tailor payment and repayment programs that can work for any business owner’s budget. Plus, once you are a customer, our funding is renewable, giving you access to additional capital on the fly without paying off your existing balance.

We make our funding options fit your small business needs, instead of forcing your small business to fit into a traditional lending box. There are not mounds of paperwork or tons of red tape. That means your small business does not have to risk losing orders or missing deadlines because you are waiting for a response to your small business loan application. The cash can be in your business account within a few days.

What can you do with a small business working capital loan? Most small business owners use this capital to purchase inventory, cover unexpected expenses, increase their staff to meet growing demand, ramp up their advertising and marketing campaigns, or to take advantage of a sudden business opportunity that can grow your small business.

Working capital for small business is a means to give your business a cushion while waiting for invoices to be paid or to allow you to expand and go after new customers and larger orders. Do not limit your small business opportunities due to a lack of capital. Instead, consider working with our team to find the right working capital loan to fit your small business. No matter how you are planning to expand your small business or if you are just looking to cover an unexpected cost, such as repair to your equipment, a working capital loan can be the right option for you.

Located in San Diego California, we offer straight forward small business lending with terms that are easy to understand. Contact our experienced and knowledgeable staff today to start the application process. We can answer all your questions, helping you to make an informed decision that is in the best interests of your small business. Our FAQ provides additional information regarding qualifying for a working capital loan. If you are ready to get started on your working capital loan application, then click here today!