Payroll & Staffing
Cover payroll during growth, seasonal ramp-up, or a leadership transition.
Working capital financing
Working Capital Loans
SBA financing for payroll, inventory, marketing, hiring, and the day-to-day cash flow needs that keep a growing business running.
Program overview
Cash flow financing built around how your business actually operates
Not every financing need is tied to a purchase. Businesses often need capital simply to bridge a seasonal gap, staff up for growth, stock inventory ahead of demand, or fund a marketing push — without pledging the entire request against a single asset. Through the SBA 7(a) program, we structure working capital financing as a standalone request or combined with an acquisition, equipment purchase, or real estate transaction.
What These Loans Can Finance
Inventory Purchases
Stock up ahead of a busy season or a new contract without straining cash reserves.
Marketing & Expansion
Fund a new location, a marketing push, or entry into a new market.
Seasonal Cash Flow Gaps
Bridge the gap between seasonal revenue swings and fixed operating costs.
Combined With Other Uses
Pair working capital with an acquisition or equipment purchase in a single request.
Our role
Matching working capital financing to how your business runs.
Cash flow analysis
We review seasonality, receivables, and operating cycles to size the request correctly.
Deal structuring
We determine whether working capital stands alone or pairs with another use of proceeds.
Lender matching
We place the request with a lender comfortable with your industry and cash flow pattern.
Through closing
We stay engaged through underwriting, conditions, and closing.