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Working Capital Loans for Small Businesses

Fast access to capital – no credit check, funding in 24 hours.

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How to Use Your Working Capital Loan

Your working capital loan from Merchant Advanced can be used to cover everyday business costs, from purchasing raw materials and inventory to covering expenses like payroll while you wait for customers to pay. Working capital loans can even be used to pay debts and bills, including utilities and insurance premiums, and they can cover short-term investments that you plan to sell off within the year. 

Outside of purchasing long-term assets and real estate, you’ll have the flexibility to use your working capital loan for numerous purposes to keep your day-to-day operations running smoothly and help your business thrive.

Why Choose Us

The Merchant Advanced Advantage

Merchant Advanced is committed to providing scalable and sustainable financing to help small businesses succeed. We offer a simple business loan application process, tailored lending solutions, and quick access to funds. That’s the Merchant Advanced Advantage.

Trusted by Businesses Like Yours

Over $4.5 billion in funding to more than 75,000 businesses nationwide

Fast, Easy Process

Simple application process allows for a funding decision and funding in as little as 24 hours.

Personalized Service

Your Funding Specialist will help you secure a small business lending solution for your business.

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What Our Customers are Saying

Google Review
  • Rating 4.9 Star
  • 159 Review

We needed quick capital to cover unexpected vendor delays. Merchant Advanced gave us fast options with a repayment plan that worked for our cash flow.

— Samira T., Wholesale Distributor

Ways to Use Your Small Business Loan

Your small business loan from Merchant Advanced can be used how you need it. No two businesses are exactly alike, which is why our loans give you the flexibility to use the funds how YOU need to. Here are some of the ways you can use funding for your business:

Build Your Cash Flow

Have sufficient working capital to take care of the daily expenses of your business.

Expand Your Business

Open a new branch for your store or expand your warehouse facility.

Pay Bills & Consolidate Debt

Clear any outstanding payments to vendors and consolidate any existing debts.

Give A Short Term Boost To Your Business Finances

Resolve any short term monetary problems encountered by your business.

Buy or Lease Equipment

Purchase or rent tools, machines, or appliances that are essential for your business.

Market Your Business to Target Audience

Reach out to your ideal customers through brand awareness and sales funnel strategies.

How to Apply

Merchant Advanced values your time and understands you have a business to run. That’s why our application process is fast and simple. Let us summarize it for you in three easy steps:

Step 1

Fill out the simple application form.

Step 2

Discuss your business needs with our Funding Specialist to determine the right financing options for you.

Step 3

If your loan application is approved, you will receive the funds within 24 hours.1

Frequently Asked Questions

Finding the cash your business needs to pay bills or take on the competition isn’t always straightforward. Like most business owners, you probably have questions about loans and financing options. We put together some of the most common questions about working capital loans to help you get the answers you need.
Is it hard to get a working capital loan?
Many small business owners assume getting capital loans is a long, drawn-out process. Luckily, it doesn’t have to be that way! Alternative lenders like Merchant Advanced provide loans for businesses with easy online applications and quick response times. In fact, you could see your loan application approved in as little as 24 hours1.
Most definitions of working capital include cash. This is because business capital is your current assets minus your current liabilities. Cash, like the money you get from a loan, plays an important role in running the current operations of your business.
Your business’ cash reserves and assets can give you a great snapshot of how well you are using business resources. If your business has a lot of assets, including cash, inventory, and accounts receivable, with only a few liabilities, your business is probably in a good place financially. Sometimes, however, you have to wait for a customer to pay an invoice or you need to purchase new inventory and don’t have the cash. That’s where financing solutions can help your business bridge the gap between cash on hand and expected receivables.
It might sound counterintuitive, but securing a business loan while sales are up could be a smart move financially. Your working capital loan can be used for more than just overdue bills. For example, your restaurant is packed every night, and you have to turn customers away because you’re too busy. You decide to move to a new location but to afford the new spot, you’ll need extra cash. You could use a loan to help cover the costs of the move, including hiring more servers and installing kitchen equipment. At any point, allow our trustworthy lenders to help you obtain a working capital loan — even if your business is doing well.
A term loan is a long-term loan for funding large capital assets. Working capital is meant to provide you with funding to cover everyday business expenses and operations during a slow season or tight time, while a term loan is used for a longer amount of time and may be planned further in advance. This contrasts with working capital loans which are borrowed for a shorter term and are for operational costs rather than investing in capital assets.
You can apply for a working capital loan by filling out an application form with basic financial information about your business. Apply for working capital business loan online from Merchant Advanced today.

We Offer Business Lending Solutions Spanning Multiple Industries

From equipment financing to working capital loans, we’ve helped business owners from many industries receive the business funding they need. You’ll receive expert support and answers to your business lending questions while working with a friendly Funding Specialist. Merchant Advanced is a trusted lending partner. You can rely on us to help finance your working capital and growth.

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