Working Capital

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Working capital loans are short- to medium-term financing solutions designed to support the daily operational needs of a business or investment entity. These loans are not used for purchasing fixed assets or long-term investments—they are designed to fund payroll, inventory, marketing, accounts receivable gaps, and other recurring cash flow needs.

We help clients access the most appropriate form of working capital financing based on their current financials, revenue cycle, business model, and end-use. This includes unsecured term loans, revenue-based advances, interest-only lines of credit, invoice-based funding, and more. Our approach focuses on aligning the structure and lender with the client’s actual cash flow, not just a credit score.

We connect clients to flexible working capital solutions designed to match their cash cycle, stabilize operations, and support growth, without over-leveraging.

Research beyond the business plan

Cash Flow Diagnostics

We review revenue trends, expense profiles, and funding gaps to determine how much working capital is needed, and what structure best fits. This prevents mismatches between loan terms and actual business use.

Program Fit Evaluation

We assess multiple products across dozens of funders to identify what type of working capital solution is most suitable term loan, cash advance, hybrid line, invoice factoring, etc. where pricing and risk are most balanced.

Funding Readiness Check

We work with clients to address weak documentation, limited history, or lender-specific conditions before submitting. This increases speed to funding and reduces declines.

Working Capital Market

The working capital market moves quickly, but that does not mean all options are equal. We help clients avoid high-cost, short-term debt traps by carefully selecting and structuring capital sources that serve the intended purpose.

  • Accurate use-of-funds planning and draw schedules
  • Matching funders to the client’s revenue model (seasonal, recurring, project-based, etc.)
  • Identifying flexible repayment options that work with the business’s cash cycle
  • Leveraging real data on underwriting trends, approval tiers, and rate structures