{"id":30329,"date":"2024-08-13T19:23:48","date_gmt":"2024-08-13T19:23:48","guid":{"rendered":"https:\/\/www.credibly.com\/?page_id=30329"},"modified":"2025-10-27T14:14:31","modified_gmt":"2025-10-27T14:14:31","slug":"working-capital-loans","status":"publish","type":"page","link":"https:\/\/www.credibly.com\/working-capital-loans\/","title":{"rendered":"Working Capital Loans"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"30329\" class=\"elementor elementor-30329\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fa13556 jf-new-sp-two-boxes elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fa13556\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2a3f0ba jf-sp-box-green-1\" data-id=\"2a3f0ba\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47a85f2 elementor-widget elementor-widget-image\" data-id=\"47a85f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"81\" height=\"81\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/trust-alt-1.png\" class=\"attachment-full size-full wp-image-27935\" alt=\"trust-alt\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f447173 elementor-widget elementor-widget-heading\" data-id=\"f447173\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Power up your business\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3f6da2 elementor-widget elementor-widget-text-editor\" data-id=\"a3f6da2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>With a Credibly Working Capital loan you can access:<\/strong><\/p><ul><li aria-level=\"1\">Business financing from $25,000 to $600,000<\/li><li aria-level=\"1\">Terms from 6-24 months<\/li><li aria-level=\"1\">Factor rates as low as 1.11*<\/li><li aria-level=\"1\">Automatic daily or weekly payments<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-bc53fbd jf-sp-box-white-1\" data-id=\"bc53fbd\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8844052 elementor-widget elementor-widget-image\" data-id=\"8844052\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"81\" height=\"81\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/requirement-icon.png\" class=\"attachment-full size-full wp-image-27944\" alt=\"Requirements to qualify\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a4e261 elementor-widget elementor-widget-heading\" data-id=\"3a4e261\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Requirements to qualify\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2036592 elementor-widget elementor-widget-text-editor\" data-id=\"2036592\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>While requirements for a working capital loan may vary, your business will generally need:<\/strong><\/p><ul><li aria-level=\"1\">To be operating in the United States<\/li><li aria-level=\"1\">6+ months time in business<\/li><li aria-level=\"1\">$15,000+ in monthly revenue**<\/li><li aria-level=\"1\">To deposit revenue in a business bank account<\/li><li aria-level=\"1\">A credit score of 500+<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-0949228 jf-new-sp-truspilot e-flex e-con-boxed e-con e-parent\" data-id=\"0949228\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d8183d8 e-con-full e-flex e-con e-child\" data-id=\"d8183d8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dded821 elementor-widget elementor-widget-heading\" data-id=\"dded821\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What our customers say about working with Credibly<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b996237 elementor-widget elementor-widget-html\" data-id=\"b996237\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t\r\n<!-- TrustBox widget - Slider -->\r\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"54ad5defc6454f065c28af8b\" data-businessunit-id=\"55b65a890000ff0005817976\" data-style-height=\"240px\" data-style-width=\"100%\" data-theme=\"light\" data-stars=\"5\" data-review-languages=\"en\">\r\n<a href=\"https:\/\/www.trustpilot.com\/review\/credibly.com\" target=\"_blank\" rel=\"noopener\">Trustpilot<\/a>\r\n<\/div>\r\n<!-- End TrustBox widget -->\r\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7daae03 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"7daae03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/apply-online\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Today<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-791d7af jf-new-sp-text-image elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"791d7af\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cffc985\" data-id=\"cffc985\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-532903c elementor-widget elementor-widget-heading\" data-id=\"532903c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How do short term working capital loans work?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aac8ae6 elementor-widget elementor-widget-text-editor\" data-id=\"aac8ae6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>A working capital loan is a flexible business financing option often used to help with short-term cash flow needs. <\/p><p><strong>Grow your business with additional financing:<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ccfada6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ccfada6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9aeb27f\" data-id=\"9aeb27f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2cfa76f elementor-widget elementor-widget-image\" data-id=\"2cfa76f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"66\" height=\"66\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/meeting.png\" class=\"attachment-full size-full wp-image-27949\" alt=\"meeting\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6bb087b\" data-id=\"6bb087b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-981993b elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"981993b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Invest in hiring and payroll<\/strong><br \/>Your employees are crucial to your business. Hire top talent and train them to help your operations flourish.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a4dc2ea elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a4dc2ea\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-05ae327\" data-id=\"05ae327\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0205414 elementor-widget elementor-widget-image\" data-id=\"0205414\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"66\" height=\"67\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/megaphone-1.png\" class=\"attachment-full size-full wp-image-27951\" alt=\"Running ico\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-46b77c8\" data-id=\"46b77c8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64fbd24 elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"64fbd24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Run a fresh marketing campaign<\/strong><br \/>Launch a promotion to reach new audiences with your products and services.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-961e3b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"961e3b6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3833019\" data-id=\"3833019\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4c3061c elementor-widget elementor-widget-image\" data-id=\"4c3061c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"66\" height=\"67\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/money-bill-wave.png\" class=\"attachment-full size-full wp-image-27950\" alt=\"managing cash image\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-cab59b7\" data-id=\"cab59b7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7eeab5f elementor-widget-tablet__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7eeab5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Managing cash flow<\/strong><br \/>Create a cash flow buffer to cover any unexpected expenses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6a4116 elementor-widget elementor-widget-button\" data-id=\"d6a4116\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/incredibly\/what-is-a-working-capital-loan\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn more<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8037c06\" data-id=\"8037c06\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35a3bf9 elementor-widget elementor-widget-image\" data-id=\"35a3bf9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"723\" height=\"776\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/working-capital-loan-image.webp\" class=\"attachment-large size-large wp-image-27956\" alt=\"working capital loan\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/working-capital-loan-image.webp 723w, https:\/\/www.credibly.com\/wp-content\/uploads\/working-capital-loan-image-280x300.webp 280w\" sizes=\"(max-width: 723px) 100vw, 723px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c2bbb2d jf-new-sp-trusted-by elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c2bbb2d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1a2c926\" data-id=\"1a2c926\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2016d1f elementor-widget elementor-widget-heading\" data-id=\"2016d1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><b>We are trusted by:<\/b><\/p>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b8d2d70\" data-id=\"b8d2d70\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-efc3aae elementor-widget elementor-widget-image-gallery\" data-id=\"efc3aae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-gallery.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-image-gallery\">\n\t\t\t<div id='gallery-1' class='gallery galleryid-30329 gallery-columns-3 gallery-size-full'><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"efc3aae\" data-elementor-lightbox-title=\"forbes-logo-1.png\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjU3MDksInVybCI6Imh0dHBzOlwvXC93d3cuY3JlZGlibHkuY29tXC93cC1jb250ZW50XC91cGxvYWRzXC9mb3JiZXMtbG9nby0xLTEucG5nIiwic2xpZGVzaG93IjoiZWZjM2FhZSJ9\" href='https:\/\/www.credibly.com\/wp-content\/uploads\/forbes-logo-1-1.png'><img loading=\"lazy\" width=\"322\" height=\"144\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/forbes-logo-1-1.png\" class=\"attachment-full size-full\" alt=\"\" decoding=\"async\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/forbes-logo-1-1.png 322w, https:\/\/www.credibly.com\/wp-content\/uploads\/forbes-logo-1-1-300x134.png 300w\" sizes=\"(max-width: 322px) 100vw, 322px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"efc3aae\" data-elementor-lightbox-title=\"nerdwallet-logo-1.png\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjU3MTEsInVybCI6Imh0dHBzOlwvXC93d3cuY3JlZGlibHkuY29tXC93cC1jb250ZW50XC91cGxvYWRzXC9uZXJkd2FsbGV0LWxvZ28tMS0xLnBuZyIsInNsaWRlc2hvdyI6ImVmYzNhYWUifQ%3D%3D\" href='https:\/\/www.credibly.com\/wp-content\/uploads\/nerdwallet-logo-1-1.png'><img loading=\"lazy\" width=\"368\" height=\"176\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/nerdwallet-logo-1-1.png\" class=\"attachment-full size-full\" alt=\"\" decoding=\"async\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/nerdwallet-logo-1-1.png 368w, https:\/\/www.credibly.com\/wp-content\/uploads\/nerdwallet-logo-1-1-300x143.png 300w\" sizes=\"(max-width: 368px) 100vw, 368px\" \/><\/a>\n\t\t\t<\/div><\/figure><figure class='gallery-item'>\n\t\t\t<div class='gallery-icon landscape'>\n\t\t\t\t<a data-elementor-open-lightbox=\"yes\" data-elementor-lightbox-slideshow=\"efc3aae\" data-elementor-lightbox-title=\"bankrate-logo-1.png\" data-e-action-hash=\"#elementor-action%3Aaction%3Dlightbox%26settings%3DeyJpZCI6MjU3MTAsInVybCI6Imh0dHBzOlwvXC93d3cuY3JlZGlibHkuY29tXC93cC1jb250ZW50XC91cGxvYWRzXC9iYW5rcmF0ZS1sb2dvLTEtMS5wbmciLCJzbGlkZXNob3ciOiJlZmMzYWFlIn0%3D\" href='https:\/\/www.credibly.com\/wp-content\/uploads\/bankrate-logo-1-1.png'><img loading=\"lazy\" width=\"334\" height=\"154\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/bankrate-logo-1-1.png\" class=\"attachment-full size-full\" alt=\"\" decoding=\"async\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/bankrate-logo-1-1.png 334w, https:\/\/www.credibly.com\/wp-content\/uploads\/bankrate-logo-1-1-300x138.png 300w\" sizes=\"(max-width: 334px) 100vw, 334px\" \/><\/a>\n\t\t\t<\/div><\/figure>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-72426b1 jf-new-sp-steps-phone elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"72426b1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-0c11e39\" data-id=\"0c11e39\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cbc6dd6 elementor-widget elementor-widget-heading\" data-id=\"cbc6dd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Four simple steps to secure a working capital business loan<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a55492c elementor-widget elementor-widget-text-editor\" data-id=\"a55492c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Explore your options without damaging your credit score<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-7acabc2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7acabc2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-832252b\" data-id=\"832252b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e80cde2 elementor-widget elementor-widget-image\" data-id=\"e80cde2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"46\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-880.png\" class=\"attachment-large size-large wp-image-28593\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-1ee9b0e\" data-id=\"1ee9b0e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5551094 elementor-widget elementor-widget-heading\" data-id=\"5551094\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Apply online<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c184f11 elementor-widget elementor-widget-text-editor\" data-id=\"c184f11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Click \u201cGet Started\u201d to apply for a working capital loan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-71905fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"71905fc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6c17cfb\" data-id=\"6c17cfb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a221197 elementor-widget elementor-widget-image\" data-id=\"a221197\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"46\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-881.png\" class=\"attachment-large size-large wp-image-28594\" alt=\"2\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6207915\" data-id=\"6207915\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e463f64 elementor-widget elementor-widget-heading\" data-id=\"e463f64\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Gather required documents<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f718e2e elementor-widget elementor-widget-text-editor\" data-id=\"f718e2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>We require certain documents from you in the approval process. Be ready with bank statements and a government-issued ID to start.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a18f536 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a18f536\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-de04411\" data-id=\"de04411\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abcfd1a elementor-widget elementor-widget-image\" data-id=\"abcfd1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"46\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-882.png\" class=\"attachment-large size-large wp-image-28595\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-68f3ea3\" data-id=\"68f3ea3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87aa9e8 elementor-widget elementor-widget-heading\" data-id=\"87aa9e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Approval in as little as 4 hours<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-37885bb elementor-widget elementor-widget-text-editor\" data-id=\"37885bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Your loan application will be reviewed and you can get approved in as fast as 4 hours.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1576034 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1576034\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-883b2f5\" data-id=\"883b2f5\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b6c592 elementor-widget elementor-widget-image\" data-id=\"0b6c592\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"46\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-883.png\" class=\"attachment-large size-large wp-image-28627\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-594c95b\" data-id=\"594c95b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e562496 elementor-widget elementor-widget-heading\" data-id=\"e562496\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Receive same-day funding<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcae888 elementor-widget elementor-widget-text-editor\" data-id=\"bcae888\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If approved, your requested <a href=\"https:\/\/www.credibly.com\/small-business-loan-payment-calculator\/\">loan amount<\/a> can be transferred to your bank account as soon as the same business day.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ef0aa0 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"7ef0aa0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/apply-online\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get Started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-116999a elementor-hidden-tablet elementor-hidden-mobile\" data-id=\"116999a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a6f5ed9 elementor-widget elementor-widget-image\" data-id=\"a6f5ed9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"761\" src=\"https:\/\/www.credibly.com\/wp-content\/uploads\/iPhone-15-image-e1741117992993.webp\" class=\"attachment-large size-large wp-image-27970\" alt=\"Secured business loans\" srcset=\"https:\/\/www.credibly.com\/wp-content\/uploads\/iPhone-15-image-e1741117992993.webp 800w, https:\/\/www.credibly.com\/wp-content\/uploads\/iPhone-15-image-e1741117992993-300x285.webp 300w, https:\/\/www.credibly.com\/wp-content\/uploads\/iPhone-15-image-e1741117992993-768x731.webp 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Power up your business With a Credibly Working Capital loan you can access: Business financing from $25,000 to $600,000 Terms from 6-24 months Factor rates as low as 1.11* Automatic daily or weekly payments Requirements to qualify While requirements for a working capital loan may vary, your business will generally need: To be operating in [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":36520,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"enable-hero":"true","add-proapprove-logo":"false","hero-h1-heading":"Best working capital loans for small business","hero-subheading":"<p>Get the capital you need now to keep your business moving toward the future.<\/p>\n","hero-background-image":"","hero-image":"22706","hero-1st-button-copy":"","hero-1st-button-link":"","hero-1st-button-trigger":"","hero-1st-button-id":"","hero-2nd-button-copy":"","hero-2nd-button-link":"","hero-2nd-button-trigger":"","mobile_image":"","enable-1st-form-section":"true","1st-form-text-heading":"<h2>Get capital fast with our easy working capital loans for businesses<\/h2>\n","1st-form-text-subheading":"","1st-form-text-paragraph":"<p><strong>Rolling out the red carpet, not the red tape<\/strong><\/p>\n<p>Fill out our form to pre-qualify, get approval, and have funds deposited in your account in as little as 24 hours. It really is that simple.<\/p>\n<p><strong>Factor rates that encourage growth<\/strong><\/p>\n<p>Enjoy working capital loan rates as low as 1.11** that make payments easy to handle, and let your business grow, not owe.<\/p>\n<p><strong>Get the answers you need<\/strong><\/p>\n<p>Our customer service team is 100% US-based. Have questions about working capital loan requirements or need help? Don't hesitate to reach out. Our friendly experts are ready to help you find tailored solutions for your needs.<\/p>\n","1st-form-form-heading":"<h3>Speak to a working capital loan expert<\/h3>\n","1st-form-shortcode":"[sc name=\"jf_general_inquiry\"][\/sc]","sp-logos-enabled":"false","logo-slider-heading":"","logo-slider-template":"[elementor-template id=\"8253\"]","sp-test-enabled":"true","testimonials-heading":"<h2>What our customers say about our business loans for working capital<\/h2>\n","testimonials-subheading":"","testimonials-image":"","testimonial-template":"[elementor-template id=\"20732\"]","move-testimonials-under-1st-form":"false","stats-enabled":"false","stats-section-background":"","stats-heading":"","stats-number-of-columns":"3","stats-repeater":"","enable-map-module":"false","map-heading":"","map-copy":"","map-embed":"","enable-cta":"false","cta-heading":"<h2>Take control of your operations with fast working capital loans for businesses.<\/h2>\n","cta-content":"<p>Let Credibly help you find the right financing solutions for your business\u2013fast.<\/p>\n","cta-button-copy":"Get Started","cta-button-link":"\/apply-online","cta-button-trigger":"","cta-bg-image":"","enable-code-cta":"true","code-cta":"<div class=\"cf-cta-snippet cta116747\" data-website-id=\"28404\" data-cta-id=\"116747\"><\/div>","enable-2nd-form-section":"false","2nd-form-module-text-heading":"","2nd-form-module-text-sub-heading":"","2nd-form-module-text-paragraph":"","2nd-form-module-form-heading":"","2nd-form-module-shortcode":"","serv-enabled":"false","service-heading":"","service-subheading":"","service":"","cs-enabled":"false","case-studies-heading":"","case-studies-subheading":"","enable-post-content":"false","team-enabled":"false","meet-the-team-heading":"","meet-the-team-subheading":"","serv-alt-enabled":"true","service-alt-heading":"<h2>Benefits of a working capital loan for businesses<\/h2>\n","service-alt-subheading":"","service-alt":{"item-0":{"service-alt-bg":"20975","service-alt-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/dollar_outlined.svg","service-alt-title":"Max loan size<br>Up to $600,000","service-alt-description":"<p><strong>Qualifying criteria\u00a0<\/strong><\/p>\n<p>Working capital loans are available to businesses throughout the U.S. that meet certain requirements:<\/p>\n<ul>\n<li>Located in the United States<\/li>\n<li>6+ months in business<\/li>\n<li>At least $15,000 in monthly revenue*<\/li>\n<\/ul>\n","service-alt-button-link":""},"item-1":{"service-alt-bg":"20976","service-alt-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/calendar_month.svg","service-alt-title":"Term length<br>3-24 months","service-alt-description":"<p><strong>Required documentation<\/strong><\/p>\n<ul>\n<li>A signed business loan agreement<\/li>\n<li>A business mortgage statement if you own your property. A business lease agreement if you rent your property<\/li>\n<li>Government-issued photo-ID for all owners<\/li>\n<li>Bank statements from business banking account\u2014most recent three months**<\/li>\n<li>For loans over $100,000, we require your most recent business tax return<\/li>\n<\/ul>\n","service-alt-button-link":""},"item-2":{"service-alt-bg":"20977","service-alt-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/chart_line_down.svg","service-alt-title":"Factor rates<br>as low as 1.11","service-alt-description":"<p><strong>Factor rates and fees<\/strong><\/p>\n<ul>\n<li>We aim to make both funding and payments intuitive, convenient, and easy to handle<\/li>\n<li>We present working capital financing as a factor rate:<br \/>\nFactor Rate = Payback Amount\/Funding Amount<\/li>\n<li>Origination Fee: A one-time 2.5% of the total loan amount set-up fee is deducted from your proceeds<\/li>\n<\/ul>\n","service-alt-button-link":""},"item-3":{"service-alt-bg":"20975","service-alt-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/sort.svg","service-alt-title":"Automatic repayments<br>daily*** or weekly****","service-alt-description":"<p><strong>Hassle-free repayment<\/strong><\/p>\n<ul>\n<li>Put your loan\u2019s capital to use without worrying about when to send your payment<\/li>\n<li>Eliminate the headache of financing and focus on growing your business with a direct lender like Credibly<\/li>\n<\/ul>\n","service-alt-button-link":""}},"enable-faq-section":"true","faq-section-title":"<h2>Frequently asked questions about working capital financing<\/h2>\n","faq-section-subtitle":"","faq":{"item-0":{"question":"<h3>What is a factor rate?<\/h3>\n","answer":"<p>The cost of working capital financing is presented as a factor rate to help business owners easily understand what they will be paying.<\/p>\n<p>Factor rate = Payback amount \/ Funding amount<\/p>\n<p>This does not include any additional fees. For example, Credibly assesses a one-time origination fee. This fee amounts to 2.5% of the total loan amount.<\/p>\n"},"item-1":{"question":"<h3>What is working capital financing?<\/h3>\n","answer":"<p>A good definition of a working capital loan is that it is<em> money that businesses use to support daily operations<\/em>. It\u2019s the difference between current operating assets and liabilities.<\/p>\n<p>Maintaining healthy working capital allows you to take advantage of every opportunity and provides a safety net when needed<\/p>\n"},"item-2":{"question":"<h3>What is a working capital loan used for?<\/h3>\n","answer":"<p>Working capital loans help small business owners like you meet operational expenses, such as payroll, stocking inventory, and marketing.<\/p>\n<p>These short-term loans can help stabilize cash flow and meet immediate business needs.<\/p>\n<p>They are ideal for business owners who need flexible, short-term funding without the hassle of going to a traditional bank.<\/p>\n"},"item-3":{"question":"<h3>How is working capital calculated?<\/h3>\n","answer":"<p>The formula for calculating working capital is c<strong>urrent assets \u2013 current liabilities = working capital<\/strong><\/p>\n<p>Working capital is the difference between a firm\u2019s current assets and current liabilities.<\/p>\n<p>Current assets are the tangible and intangible items that your company owns.<\/p>\n<p>Current liabilities include all of the debts and expenses firms expect to pay within one business cycle.<\/p>\n"},"item-4":{"question":"<h3>Why is working capital important?<\/h3>\n","answer":"<p>Because working capital is the money you have available to meet your short-term needs, it is critical for sustaining operations.<br \/>\nIt is also a measure of a business\u2019s ability to pay off short-term business expenses or debts.<br \/>\nThat\u2019s why you need to work with a financial institution that will provide the financing you need, not mire you in red tape that takes weeks or months to navigate.<\/p>\n"},"item-5":{"question":"<h3>What is a working capital loan?<\/h3>\n","answer":"<p>Working capital loans are loans that are geared to small businesses to help them gain the funding they need to thrive in their industry.<\/p>\n<p>Rather than a long-term investment, like that made through private equity investors, you are not required to provide a percentage of your profits to the loan agency. Rather, the loan agency will offer you a <a href=\"http:\/\/www.forbes.com\/sites\/sageworks\/2013\/04\/12\/businesses-seeking-working-capital-survey\/\" target=\"blank\" rel=\"nofollow\">fixed interest rate<\/a> that never fluctuates over time.<\/p>\n<p>The loans are provided on a short-term basis with working capital loan terms customized to your available budget. They can help you cover the continued operational costs of your business, without accruing long-term debts in the process.<\/p>\n"},"item-6":{"question":"<h3>What can you do with a working capital loan?<\/h3>\n","answer":"<p>The purpose of a working capital loan is to have funds available to pay your business' financial obligations during a slump in revenue and still allow you to have a cushion of money for emergencies.<\/p>\n<p><strong>Working capital loans can cover:<\/strong><\/p>\n<ul>\n<li>Monthly debt payments<\/li>\n<li>Payroll for your employees and staff<\/li>\n<li>Utilities for the business<\/li>\n<li>Mortgage or rent payments for the business<\/li>\n<li>Buying inventory or materials required for you to meet customer demand<\/li>\n<li>Repairs or replacement of required equipment or tools for your business<\/li>\n<\/ul>\n"},"item-7":{"question":"<h3>How can you find a working capital loan that fits?<\/h3>\n","answer":"<p>As important as it is to get a solution quickly to meet your needs for business capital, it is vital for you to understand all the fine print before you pursue a specific loan program.<\/p>\n<p>According to<a href=\"http:\/\/www.huffingtonpost.com\/shindy-chen\/for-small-businesses-funds-are-now-a-click-away_b_6646620.html\" target=\"_blank\" rel=\"nofollow noopener\"> huffingtonpost.com<\/a>, today's small businesses are seeking alternative funding solutions, online, for short-term capital needs. Sometimes you can find a loan through the Small Business Association (SBA).<\/p>\n<p>Other times, it's best to go through an alternative lending institution that offers a solution that fits your needs and limits your repayment risks, even if the loan rate is slightly higher.<\/p>\n<p>The idea is it is better to get a loan you need with terms that you can handle than to struggle with a loan product that does not fit your business.<\/p>\n"},"item-8":{"question":"<h3>How do you qualify for working capital loans?<\/h3>\n","answer":"<p>Working capital loan eligibility requirements can vary between lenders. In today's economy, lenders need assurance that you are good for the money, so <a href=\"http:\/\/smallbusiness.chron.com\/advantages-working-capital-finance-business-70576.html\" target=\"_blank\" rel=\"nofollow noopener\">collateral of up to 90 percent<\/a> of the loan amount is required.<\/p>\n<p>Qualifications will depend on your income and projected business earnings, with loan amounts and repayment terms varying based on eligibility.<\/p>\n<p>While they have strict eligibility requirements, they are easier to qualify for than traditional business loans, making them a good alternative if you've been denied commercial loans.<\/p>\n<p>As a business owner, you need constant capital to cover the continued operational costs of your business, and without consistent loan options, you risk defaulting on your lease. Fortunately, there are a variety of funding methods available to get the money you need.<\/p>\n<p>Working capital loans provide a lot of advantages to business owners by enabling you to get the money you need quickly and providing easy terms for repayment. For all your working capital needs, contact <a href=\"\/contact\">Credibly<\/a>.<\/p>\n"}},"enable-interlinks-section":"false","interlinks-heading":"","interlinks-without-links":"","steps-enabled":"true","steps-heading":"<h2>Get started today with three easy steps<\/h2>\n","enable_4_columns_on_steps_repeater":"false","steps-repeater":{"item-0":{"step-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-552.svg","step-number":"Step 1","step-title":"Pre-qualify online<br>","step-description":"<p>Start your capital finance loan application process today. Click \u201cGet Started\u201d and enter your business information to pre-qualify for a working capital loan. Approval in as little as 4 hours.<\/p>\n<p>&nbsp;<\/p>\n"},"item-1":{"step-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-553.svg","step-number":"Step 2","step-title":"Approval in as little as 4 hours","step-description":"<p>We assess your business\u2019s health in as soon as one business day and reach out to you with the best available funding options.<\/p>\n"},"item-2":{"step-icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-554.svg","step-number":"Step 3","step-title":"Receive same-day funding ","step-description":"<p>If approved, you can get the full loan amount paid directly into your account the same day, plus access to your online account and automatic repayment.<\/p>\n"}},"steps-section-background":"","steps-link":"","enable-featured-image-text-section":"false","featured-title-image-text-section":"","featured-text-image-text-section":"","featured-image-image-text-section":"","enable-image-alt-text-modules":"false","image-text-alt-background":"false","image-text-alt-module-heading":"","image-text-alt-module-subheading":"","image-text-alt-block-repeater":"","enable-industries-section":"false","industries-section-title":"","enable-pros-cons-section":"true","remove-green-red":"false","pros-cons-section-title":"<h2>Is a small business working capital loan right for your business?<\/h2>\n","pros-cons-section-subtitle":"","pros-title":"Pros","pros-text":"<ul>\n<li>Find out if you\u2019re approved in as fast as 4 hours.<\/li>\n<li>Funds can be procured as fast as the same business day.<\/li>\n<li>Working capital loans can be used for any business purpose.<\/li>\n<\/ul>\n","cons-title":"Cons","cons-text":"<ul>\n<li>Because the approval process is more flexible than traditional bank loans, rates tend to be higher.<\/li>\n<li>The loan must be repaid in full.<\/li>\n<li>Sometimes business collateral must be provided to secure the loan.<\/li>\n<\/ul>\n","enable-4-features-section":"true","4-column-3-switcher":"false","4-features-section-title":"","4-features-section-subtitle":"","4-features-repeater":{"item-0":{"icon":"27874","title":"$3+","description":"<p>Billion in financing<\/p>\n"},"item-1":{"icon":"27876","title":"Funding","description":"<p>As fast as 4 hours<\/p>\n"},"item-2":{"icon":"27877","title":"Approval","description":"<p>As fast as 2 hours<\/p>\n"},"item-3":{"icon":"27878","title":"55,000+ ","description":"<p>Small businesses financed<\/p>\n"}},"enable-comparison-table":"false","comparison-table-heading":"","enable-more-services-section":"false","more-services-section-title":"<h3>Credibly\u2019s other business financing options<\/h3>\n","more-services-section-subtitle":"","more-services-repeater":{"item-0":{"icon":"14548","title":"Merchant cash advance","description":"<p>A great financing solution for those with lower credit scores in immediate need of short-term funding.<\/p>\n","link":"\/merchant-cash-advance\/"},"item-1":{"icon":"15222","title":"Long-term loan","description":"<p>Plan for the future with confidence with this long-term loan.<\/p>\n","link":"\/long-term-business-loans\/"},"item-2":{"icon":"14542","title":"Business lines of credit","description":"<p>The most flexible access to working capital whenever you need it.<\/p>\n","link":"\/business-line-of-credit\/"},"item-3":{"icon":"14558","title":"All financing options","description":"<p>Don\u2019t see what you need here? Look at all of Credibly\u2019s business financing options.<\/p>\n","link":"\/merchant-cash-advance\/"}},"disclaimer-info":"<p>* Rates are included in your daily payback quote to simplify repayments and account monitoring. Rates, pricing, requirements and other terms and conditions subject to change without notice.<\/p>\n<p>**$15K+ avg. deposits for a three-month average and the most recent month.<\/p>\n<p>&nbsp;<\/p>\n","hide-thanks-and-credibly-name":"false","custom-h1-ty-page":"","hide-recent-posts":"false","hero-subtitle":"","serv-enabled-landingi":"false","service-heading-landingi":"","service-subheading-landingi":"","service-landingi":"","spanish-page":"false","enable-image-text-modules":"true","image-text-module-heading":"","image-text-block-repeater":{"item-0":{"rep-title":"<h3>Why choose Credibly for a working capital loan?<\/h3>\n","rep-subtitle":"","rep-content":"<p><strong>Simple business financing<\/strong><br \/>\nYou can apply and get funds deposited straight to your business bank account as soon as the same day. We strive to create an intuitive financing experience for business owners.<\/p>\n<p><strong>The right loan for your business<\/strong><br \/>\nWe customize our financing options to meet your unique business needs. Get the right type and amount of funding, every time.<\/p>\n<p><strong>Best-in-class customer service<\/strong><br \/>\nCredibly\u2019s business experts are here to help you from the moment you submit a loan application until your final payment.<\/p>\n<p><strong>Effortless automatic payments<\/strong><br \/>\nWe work with you to find the ideal repayment terms. Our automatic payment feature also lets you focus on what matters most: your business.<\/p>\n","rep-image":"https:\/\/www.credibly.com\/wp-content\/uploads\/working-capital-loans-1.png","rep-link":""}},"enable-image-text-modules-lp":"false","image-text-module-heading-lp":"","image-text-module-subheading-lp":"","image-text-block-repeater-lp":"","is-spanish-page":"false","spanish-page-url":"","page-has-spanish-version":"true","spanish-version-url":"https:\/\/www.credibly.com\/es\/prestamos-para-negocios-pequenos\/capital-de-trabajo\/","image_display":"30182","title_image_text":"Get access to capital through our smooth, innovative funding experience.","content_text_image_field":"<p><strong>Flexible financing with a data-driven approach<\/strong><br \/>\nWe know a credit score doesn\u2019t always paint a full picture of your business. At Credibly, we use data science to better evaluate your business as a whole.<\/p>\n<p><strong>Secure and convenient checkout process that fits your schedule<\/strong><br \/>\nOur state-of-the-art online checkout empowers eligible customers to complete their checkout process securely and on their own time.<\/p>\n<p><strong>Fast approvals with efficient processes<\/strong><br \/>\nYour business needs don\u2019t wait. Our process can get you approved for financing in as fast as 4 hours, so you can focus on running your business.<\/p>\n","enable-cta-top":"false","cta-heading-top":"","cta-content-top":"","cta-button-copy-top":"Get Started","cta-button-link-top":"\/apply-online","cta-button-trigger-top":"","cta-bg-image-top":"","enable-code-cta-top":"false","code-cta-top":"","image_display3rd":"","title_image_text3rd":"","content_text_image_field3rd":"","enable-2nd-image-text-section":"false","2nd-title-image-text-section":"","2nd-text-image-text-section":"","2nd-image-image-text-section":"","updated-enable-featured-image-text-section":"false","updated-featured-title-image-text-section":"","updated-featured-text-image-text-section":"","updated-featured-image-image-text-section":"","enable-hero-section":"false","hero-section-heading":"","hero-section-subheading":"","hero-section-image":"","hero-section-button":"Get Started","hero-section-button-link":"\/apply-online","hero-section-button-trigger":"","enable-image-text-first-module":"false","image-text-first-heading":"","enable-image-text-second-module":"false","image-text-second-heading":"","enable-image-text-third-module":"false","image-text-third-heading":"","enabled-logo-gallery":"false","logo-gallery-heading":"","enable-recent-posts":"false","enable-location-section":"false","location-heading":"","enable-table-section":"false","table-section-heading":"","enable-services_-box":"false","service-box-heading":"","service-boxes":"","enable-image-box":"false","box-heading":"","box-content":"","enable-text-box":"false","text-box-heading":"","text-boxes":"","enable-blog-section":"false","blog-section-heading":"","enable-reviews-section":"false","reviews-section-heading":"","enable-step-section":"false","step-section-heading":"","step-section-sub-heading":"","disclaimer-information":"","enable-bottom-hero":"true","hero-bottom-heading":"Apply for business financing up to $600,000","hero-bottom-sub-heading":"Approval in as fast as 2 hours","hero-bottom-content":"<p>Find out how much you qualify for.<br \/>\nApplying will not hurt your credit score.<br \/>\nDo you meet the requirements?<\/p>\n","hero-bottom-list-heading":"In general you will need:","hero-bottom-lists":{"item-0":{"list_icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-990.svg","list_title":"$15K+ in monthly revenue"},"item-1":{"list_icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-991.svg","list_title":"3+ months in business"},"item-2":{"list_icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-992.svg","list_title":"500+ FICO score\u00a0"},"item-3":{"list_icon":"https:\/\/www.credibly.com\/wp-content\/uploads\/Group-993.svg","list_title":"Revenue deposited into a business bank  account"}},"footnotes":""},"page-category":[1035],"class_list":["post-30329","page","type-page","status-publish","has-post-thumbnail","hentry","page-category-new-services-template"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Get Pre-Qualified for Working Capital Loans Up to $600K | Credibly<\/title>\n<meta name=\"description\" content=\"Get a fast working capital loan from Credibly. Flexible financing for small business growth with quick approvals and same\u2011day funding.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.credibly.com\/working-capital-loans\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Get Pre-Qualified for Working Capital Loans Up to $600K | Credibly\" \/>\n<meta property=\"og:description\" content=\"Get a fast working capital loan from Credibly. 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