SBA working capital loans for established businesses ready to expand, hire, buy equipment, or refinance existing debt. Up to $5M with long 10-year terms.
No credit pull. No commitment. Just answers.
100% free. No credit check. No obligation. We respond within 2 business hours.
What It's Used For
Working capital loans are the most flexible SBA product. Here's what established businesses typically use them for.
Opening a new location, entering a new market, or scaling operations — working capital covers the capital outlay before revenue catches up.
Growing your team is one of the best investments you can make. SBA working capital lets you hire ahead of demand without straining cash flow.
Finance machinery, vehicles, or technology upgrades with long 10-year terms — keeping monthly payments low while you put the equipment to work.
Consolidate high-interest debt into a single SBA loan at a lower rate. Many businesses save six figures a year in interest after refinancing.
For seasonal businesses or those with large purchase orders, working capital covers inventory before the cash comes in.
Waiting on a contract, receivable, or property sale? Working capital bridges the gap while you wait for cash to arrive.
The Process
We handle the packaging, lender outreach, and negotiation. You just show up at closing.
Fill out a quick form. We review your situation and assess your options — no credit pull required.
We package your file and submit to our network simultaneously, collecting competing term sheets.
We walk you through every term sheet. You choose the rate and terms that work best for your business.
We coordinate underwriting and closing from start to finish. Most working capital loans fund in 30 to 60 days.
Qualifications
Traditional 7(a) working capital loans are designed for established, profitable businesses. Here's what lenders look for.
Get Started
Free assessment. No credit check. Response within 2 hours.