Working capital loans can be utilized for most business purposes. Some examples include down payments for business real estate purchases, inventory costs, payroll for employees, the purchasing of furniture, machinery and other equipment, construction costs and renovations. There are several types of working capital loans available to businesses in various stages.

Business micro loans usually range from $5,000 to $35,000 and can be used for start-up companies or businesses that are newly established. Most micro loans require a personal guarantee from the business owner and some kind of collateral. There may also be business training requirements and the owner usually needs to submit a business plan to the lender.

Another working capital funding option is credit card receipt advances. A cash advance loan can be secured against your merchant credit receipts. Repayment is set up to be automatically deducted from credit card transactions in the future. There are no fixed terms or payments for this type of loan. A couple of other working capital funding options include business credit cards and sale and leaseback programs.

WTL Business Finance can help you be granted approval for working capital business loans. We have access to numerous reputable lenders that offer fair terms and interest rates. Plus, we do not shop your application around to several lenders at once. Instead, we focus on one lender at a time to increase your chances of a quick approval.

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