Equipment Financing
Contractors buying trucks, lifts, or tools · Manufacturers and shops adding machinery
Financing for machinery, vehicles, and business equipment.
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Commercial Financing
Working Capital / Short-Term Financing
Flexible funding to support day-to-day operations and cash flow needs.
Working capital is money to run the business this month — payroll, inventory, suppliers — not money to buy a building. It is short-term fuel for cash-flow gaps.
How it works
Most businesses do not get paid the same day they spend. You buy inventory in March, pay staff every two weeks, and collect from customers in April or May. Working capital and other short-term facilities exist to cover that gap. They are a poor fit for buying real estate or making a 10-year bet. They are a good fit for a seasonal build, a large purchase order, or a stretch of slow collections. We look at revenue, bank statements, and what the money will actually be used for, then match the term to the need instead of putting a long loan on a short problem.
Who this is for
- Owners with lumpy or seasonal sales
- Companies waiting on customer invoices
- Businesses stocking up before a busy season
- Operators who need payroll or supplier coverage without selling equity
What it typically covers
- Payroll and operating expenses
- Inventory and supplier payments
- Short-term cash-flow gaps
- A defined, near-term use of funds
A simple example
A landscaper’s best months are April through September, but insurance, equipment repairs, and crew hiring hit in February. A short-term facility can carry those costs until invoices start coming in.
Good to know
- This is not a substitute for a commercial real estate loan.
- The cleanest files show exactly where the money goes and how it comes back.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
Working capital vs. a business line of credit
A lump sum for a defined gap, or a reusable facility you draw and repay. Which one matches the cash-flow problem.
Read guideGuide
What a lender reviews on an SBA 7(a) or 504 file
Use of proceeds, occupancy, cash flow, and the documents that keep an SBA file moving after SBSS scoring went away.
Read guide