Working Capital Loan

A Working Capital Loan is a short-term financing facility designed to help businesses fund their everyday operational expenses, such as payroll, rent, inventory purchases, and accounts payable. These loans are particularly useful for companies experiencing seasonal revenue fluctuations or unexpected cash flow gaps.

Unlike long-term loans intended for asset purchases or capital expenditures, working capital loans cover immediate and short-term operational needs. They can be structured as revolving credit lines, overdrafts, or term loans, and are typically unsecured, though lenders may require a personal guarantee or collateral.

Key benefits:

• Preserves cash reserves.

• Supports operational continuity.

• Provides flexibility for managing short-term obligations.