Business liquidity program
Working Capital Financing
Flexible business funding for payroll, inventory, marketing, operating expenses, seasonal needs and short-term growth opportunities.
Apply for working capital →Program overview
Liquidity to support daily operations and near-term growth.
Working capital financing can help a business manage the timing difference between incoming revenue and operating expenses. Depending on the lender and borrower profile, solutions may include a term loan, revolving line of credit or other commercial financing structure.
The appropriate structure depends on cash-flow patterns, monthly revenue, time in business, industry, credit, existing obligations and the requested use of funds. Financing should be evaluated against the expected benefit and total repayment cost.
Common working-capital uses
Payroll
Meet staffing needs
Support payroll and labor costs during growth periods, delayed receivables or seasonal revenue cycles.
Inventory
Purchase stock
Finance inventory for anticipated demand, seasonal sales or supplier opportunities.
Marketing
Generate new revenue
Fund advertising, sales initiatives, product launches and customer-acquisition campaigns.
Operations
Cover business expenses
Manage rent, utilities, insurance, vendor payments and other ordinary operating costs.
Receivables
Bridge timing gaps
Maintain liquidity while waiting for customers to pay invoices or contracts to be completed.
Opportunity
Act when timing matters
Respond to a large order, supplier discount or other short-term opportunity requiring immediate capital.
What lenders commonly review
| Monthly revenue | Recent deposits, business bank statements, payment processing and revenue consistency may influence available options. |
|---|---|
| Cash-flow cycle | Seasonality, receivable timing, inventory turnover, operating expenses and existing payment obligations. |
| Business stability | Time in business, ownership, industry risk, customer concentration and management experience. |
| Credit profile | Business and personal credit, payment performance, liens, judgments, bankruptcies and recent borrowing. |
| Requested structure | Amount, use of funds, repayment frequency, desired access to future capital and available collateral. |
Application process
Share the need
Describe the working-capital purpose, amount and required funding timeframe.
Verify performance
Provide recent bank statements, revenue information and requested business records.
Compare structures
Review eligible term-loan, line-of-credit or other available financing options.
Complete funding
Satisfy final verification and closing requirements before disbursement.
Working capital application
Request a liquidity review.
Complete the initial application. Do not include Social Security numbers, bank-account numbers or sensitive documents.