Working Capital Loans

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 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 business for up to $500,000 in working capital in just hours. See our FAQ page for more details on qualifying.

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

The team at Formula Funding is proud to customize programs for any business owner's budget. We're pleased to offer:

  • NO collateral or assets required
  • NO hidden fees or costs
  • NO prepayment penalties
  • Renewable financing allows most of our clients to access more funds before fully paying off an existing balance
  • See our FAQ page to learn about our Good Deal Guarantee

Benefiting Your Business

Working Capital Loans Offer Many Benefits for Small Businesses

Our working capital loans are easy for most business owners to obtain. You'll have peace of mind knowing that any gaps in your working capital expenditures will be covered. Since 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 structured to be comfortable to pay off.

The Application Process is Simple and Fast

Traditional 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 one business day – which means that you can focus on more critical business tasks rather than being bogged down by a cumbersome process.

Flexible Funding

We won’t restrict how you use your new funds. No matter what aspect of your business operations can benefit from short-term cash infusion, a working capital loan is flexible enough to meet your needs.

Upfront Terms

With our working capital loans, you can rest assured that you will get a package 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 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 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 competitors, new regulations, a drop in demand, and more. A working capital loan can help you overcome any of these challenges.

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 situations are only available for a short period. You don't have to 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 need collateral, and you certainly don’t need to sacrifice a percentage of your company in return for the funding.

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 short time frame.

As a small business owner, you depend on your customers 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 vendors 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 do business working capital loans actually work? Your business can apply for financing based on your monthly sales levels. Essentially, you're demonstrating your ability to repay by demonstrating how much business you've shown the ability to generate. Working capital financing can be key to building and growing your business.

No matter what your obstacles – low credit score, less than stellar financials, tax liens, no assets or collateral, we have a working capital program to fit your needs. You'll need to show between $15,000 and $500,000 in monthly sales. That usually means your business has been active for 12 months or more.

We custom tailor payment and repayment programs to work with your budget. Plus, once you are a customer, our funding is renewable, giving you access to additional capital in a reasonable and straight-forward way.

Our experienced and knowledgeable staff can get you through the quick and easy application process. We'll answer all your questions, helping you to make an informed decision that is in the best interests of your business. If you are ready to get started, click here or call us today!