What Is a Working Capital Loan?
A working capital loan provides your business with the short-term funds needed to cover day-to-day operational expenses. Unlike equipment financing that’s tied to a specific asset, working capital loans give you flexible funding that can be used for virtually any business purpose.
/images/blog/dallas-business-owner-reviewing-financials.jpg
At Equipment Financing Dallas Pros, we specialize in connecting Dallas businesses with working capital solutions that match their cash flow needs. With loan amounts from $5,000 to $600,000 and same-day funding available, we help businesses seize opportunities and overcome challenges without missing a beat.
How Working Capital Loans Work
Working capital loans are designed for speed and simplicity:
- Quick Application: Complete our online form in about 5 minutes
- Fast Decision: Get approval in as fast as 2-4 hours
- Flexible Terms: Choose from 6 to 24-month repayment terms
- Immediate Funding: Receive funds as fast as same-day
- Automatic Repayment: Daily or weekly automatic payments from your bank account
Unlike traditional bank loans that can take weeks or months, our working capital loans are designed to get funds in your hands when you need them most.
Common Uses for Working Capital Loans
Dallas businesses use working capital loans for a variety of purposes:
Cover Cash Flow Gaps
Seasonal fluctuations, slow-paying customers, or unexpected expenses can create cash flow challenges. A working capital loan bridges the gap and keeps your business running smoothly.
Purchase Inventory
Stock up before busy seasons or take advantage of bulk pricing opportunities. Having the capital to buy inventory when prices are low can significantly boost your margins.
/images/blog/warehouse-worker-organizing-inventory-in.jpg
Marketing and Expansion
Launch a marketing campaign, open a new location, or hire additional staff. Working capital gives you the resources to invest in growth opportunities.
Emergency Repairs
Equipment breakdowns, property damage, or unexpected repairs don’t wait for convenient timing. Quick access to capital ensures these issues don’t derail your business.
Meet Payroll
Your employees depend on you. A working capital loan ensures you can meet payroll obligations even during slow periods.
Working Capital Loan Terms and Pricing
Loan Amounts
We offer working capital loans from $5,000 to $600,000. The amount you qualify for depends on your business revenue, time in business, and overall financial health.
Factor Rates
Unlike traditional interest rates, working capital loans typically use factor rates. Our factor rates start at 1.11, which means if you borrow $100,000 at a 1.11 factor rate, you’ll repay $111,000.
| Loan Amount | Factor Rate | Total Repayment |
|---|---|---|
| $50,000 | 1.11 | $55,500 |
| $100,000 | 1.15 | $115,000 |
| $250,000 | 1.20 | $300,000 |
Factor rates shown are examples. Your actual rate depends on creditworthiness and business qualifications.
Repayment Terms
Choose from 6 to 24-month terms based on your cash flow and preferences. Shorter terms typically mean lower factor rates but higher payments, while longer terms spread payments out.
Repayment Options
We offer flexible repayment schedules:
- Daily Payments: Small amounts deducted Monday through Friday
- Weekly Payments: Larger amounts deducted once per week
This flexibility allows you to match payments to your cash flow cycles.
Qualification Requirements
Our working capital loans have more flexible requirements than traditional bank loans:
| Requirement | Minimum |
|---|---|
| Time in Business | 6 months |
| Monthly Revenue | $15,000 |
| Credit Score | 500+ |
| Documentation | 3 months bank statements |
We look at your overall business health, not just your credit score. Many businesses turned down by traditional banks qualify for our working capital loans.
/images/blog/financial-advisor-explaining-loan-terms.jpg
Working Capital Loans vs. Other Financing Options
vs. Business Lines of Credit
Working capital loans provide a lump sum upfront with fixed payments, while lines of credit let you draw funds as needed. Working capital loans are often faster to obtain and have simpler qualification requirements.
vs. Bank Loans
Traditional bank loans typically offer lower rates but require extensive documentation, excellent credit, and weeks or months for approval. Working capital loans trade slightly higher costs for speed and accessibility.
vs. Merchant Cash Advances
Both products offer fast funding, but working capital loans have fixed payments while MCAs fluctuate with your credit card sales. Working capital loans are often better for businesses with consistent revenue.
Why Dallas Businesses Choose Us
Speed When You Need It
Pre-qualify in minutes, get approved in hours, and receive funding as fast as same-day. When your business needs capital, waiting isn’t an option.
Transparent Pricing
No hidden fees or surprises. We explain your factor rate, origination fee (approximately 2.5%), and total repayment amount upfront so you can make informed decisions.
Flexible Underwriting
We use data-driven underwriting that looks at your business holistically. Lower credit scores, shorter time in business, and other factors that might disqualify you at a bank don’t necessarily prevent approval with us.
Local Expertise
Our team understands the Dallas market and the unique challenges local businesses face. We’re here to help you find the right solution for your specific situation.
Get Your Working Capital Loan Today
Don’t let cash flow challenges hold your business back. Pre-qualify for a working capital loan in minutes with no impact to your credit score. Our team will review your application and match you with financing options tailored to your needs.
Whether you need $5,000 for a quick inventory purchase or $600,000 for a major business initiative, Equipment Financing Dallas Pros has the working capital solution for your Dallas business.