Your Bridge To Capital

APPLY TODAY

Working Capital

Keeping up with everyday expenses can be challenging, especially if your business is on a seasonal cycle. Working capital financing helps small businesses smooth out the ups and downs in cash flow. Even if you’ve been turned down before, Motiva Capital will find you solutions.

APPLY NOW

Working Capital

What is Working Capital?

Working capital financing refers to obtaining borrowed capital that can be used for any business purpose. Most commonly these funds are used to cover a company’s everyday operations, such as payroll, rent, utilities, marketing, and so on, rather than the purchase of long-term assets or investments These funds can come from a variety of sources: a business line of credit, factoring invoices, refinancing debt to decrease monthly payments, and asset based loans.

Many times this financing becomes essential when a company does not remain flush year round. Retail is known for breaking even just after the Thanksgiving weekend, then turning a profit over the holiday season. Resorts, educational institutions, and even many retail companies rely on seasonal revenue, but carry costs of business throughout the year. Working capital financing can smooth out the bumps in cash flow.

Traditional and Non-Traditional Lenders Available to you

Amount Of Capital Accessible Through Network

Quickest Time To Funding Commitment Through Motiva Capital

Lines of Credit

A line of credit is considered “revolving debt” because you can borrow, pay down, and borrow again whenever you need extra cash. If you don’t borrow against your credit limit, you don’t pay any interest.

Factoring

Factoring lets you sell your accounts receivable to bring in extra working capital. If you have clients that are slow to pay, you don’t have to wait around. Sell your invoices, purchase orders, and contracts to a factor for fast cash.

Refinancing

When you’re stuck in a high-interest loan, it can suck working capital away from your business. Replace that old loan with a new, low-interest alternative. Lower monthly payments mean you can spend the savings elsewhere in your business.
Working Capital

F.A.Q.’s

When is Working Capital not a good fit?
Working capital financing is an effective and flexible business tool. However, it may not be suited to substantial investments like real estate or equipment. If you want to fund your next major project, we can help you get more targeted financing.
Can I get Working Capital without adding debt?
There are several ways to bring in working capital without adding debt to your balance sheet. Factoring lets you sell accounts receivable for cash. The money gets repaid when your clients pay. Refinancing for a better rate frees up cash that you can put toward everyday expenses.
Can you use an SBA loan for Working Capital?
Yes, the SBA 7(a) loan lets you use the funds for working capital. The SBA encourages lenders to help small businesses by acting as a sort of co-signer on the loan. Even if you’ve been declined before, the SBA may be able to help.
Where can I get a Working Capital loan?
Depending on which solution you choose, financing can come from many sources. We have a vast network of lenders that you can tap into to find the best working capital loans. Contact our office today to get the working capital you need fast.

Working Capital

Advantages

Use the funds for any business expense.

Supplement your cash flow in the off-season.
Choose from several financing options.
Secure the loan with assets or qualify for an unsecured loan.

Motiva Capital

Apply Today

Motiva Capital is your bridge to capital. Work directly with brokers who have been in your shoes. Let us show you what we can do for your business.

52 Tuscan Way Suite 202 Saint Augustine, Fl 32092

Office: +1(904) 404-8904
Fax: +1(786) 358-6083.

Support@MotivaCapital.com