Working Capital
A business without short-term cash is a business headed for trouble.
Manage your day-to-day expenses and tackle special projects
with the power of a working capital loan.
Working Capital
Lending Overview
Rich in assets, but low on cash? A working capital loan puts money in your hands fast so you can address any business need now. From payroll and supplies to keeping the lights on at the office, working capital is as versatile as you are. Instead of cashing in your long-term assets, let them build equity while you tap into working capital from our network of lenders. Choose a one-time short-term loan, a debt-free AR sale, or a line of credit that you can use again and again. To get matched with the most affordable working capital solution, speak with our brokers today.
Unlock Capital. Grow Your Business Today.
How to Effectively Apply Funds
Don’t put off addressing your business’s short-term capital needs until it’s too late. Work with our brokers to find the right working capital solutions tailored to fit your business today. We’ll save you time and hassle to help you get back to doing what you do best.
Fast Cash, Secured By Your Assets.
Hard Money Loans
You don’t have to surrender your long-term assets to leverage them for cash. Hard money loans let you tap into their equity without giving them up. Use the value of assets like real estate, equipment, and inventory to secure a hard money loan. You get a lump sum based on the value of your property. That property becomes collateral on the loan. Hard money loans are short-term financing, so you won’t be paying interest for more than a few months or years. They can be approved quickly, as these loans come from private lenders who don’t have to conform to a bank’s credit processing standards. You’ll get working capital in as little as 24 hours that you can use to pay the bills, launch special projects, and cover travel expenses. If your business needs it, a hard money loan can help you get it. Save yourself time and money shopping for a hard money loan by using our brokers to get matched with the best deals.
Get Paid Instantly For Your Invoices
Factoring
When you rely on invoicing to bring in the revenue you need, it can be weeks before you see payment for work you’ve already done. For some businesses, that makes it tough to take on new and bigger jobs because they need that revenue to bring in supplies, materials, and labor. With factoring, you can sell your invoices to get paid faster. A factoring company buys AR assets like invoices, purchase orders, and contracts based on a percentage of their total worth. The company then collects their payment directly from your customers. The remaining funds get forwarded to you, minus a small factoring fee (usually less than 5%). Factor one big contract or bundle smaller invoices into one payment. You don’t have to return the funds unless your customer refuses to pay and you don’t have to process incoming accounts. Simplify your accounting and get paid early when you speak with our brokers about factoring your AR.
Quick Cash for Equipment
Sale-Leaseback
A sale-leaseback works by giving you cash based on the value of your equipment assets. Sell your equipment for a lump sum of working capital. Then, lease the equipment back from the buyer at a low monthly or quarterly rate. Your equipment never has to move away from your facility. A sale-leaseback is an easy way to leverage your equipment assets so you can handle an immediate cash need. Once your lease is up, your lender can offer a buyback, renewal, or upgrade option to end or extend your lease. Most leases include repairs and maintenance on the equipment so it performs in top condition. But not every buyer offers the same market prices. To get connected to a reputable buyer with the most affordable leasing options, talk to a broker. We work tirelessly to find the best deals so you don’t have to. Let us answer your sale-leaseback questions today.
Flexible Funds, Anytime You Need
Lines of Credit
For some, working capital needs ebb and flow throughout the year. That’s especially true for seasonal businesses like retailers and recreation. A line of credit is a great way to even out the cycle. Lines of credit let you borrow whenever you want to without multiple loan applications. When you pay back into your account, you can use that money again when you need it. Similar to credit cards, lines of credit are revolving credit accounts. But unlike credit cards, you can use assets to secure the loan, which gives you a higher credit limit on the account. If you want to keep your assets off the table, you can apply for an unsecured line when you have a qualifying credit score. Lines of credit are flexible and versatile enough to handle all of your working capital needs. Let us find the right lender for your retail, industrial, medical, transportation or any other business today.
Stable Financing for Long-Term Growth
Term Business Loans
A term business loan provides a lump sum of capital that’s repaid over a fixed period, giving you predictable payments and structured growth. It’s one of the most reliable options for businesses that need to finance expansion, refinance debt, or invest in new equipment. With set repayment schedules, it allows you to plan your budget confidently while managing ongoing operations. Unlike revolving credit, term loans provide one-time funding, making them ideal for larger purchases or projects with defined timelines. Many lenders offer flexible repayment terms and competitive rates based on your business performance. These loans can be secured or unsecured, depending on your qualifications and collateral. Because approval is based on both cash flow and business history, term loans are accessible to many established businesses looking for sustainable financing. They help stabilize working capital while supporting long-term goals. By working with the right broker, you can compare lender programs and secure terms that align with your business strategy.
Business Solutions
To Qualify:
Step 1
Evaluate your financial need to avoid over-borrowing or underfunding. We’ll customize your loan to fit your exact request at rates you can afford.
Step 2
Gather your documents in a safe place. Depending on the loan you want, you’ll need to provide tax information, balance sheets, and proof of time in business.
Step 3
Connect with our team. We’ll listen to your needs, look over your documents, and suggest a range of financial solutions to match your goals.
Alternative Solutions
If those working capital financing options weren’t what you’re looking for, try:
SBA 7(a) Loans
The SBA offers several loans for real estate and equipment, but the 7(a) will let you borrow working capital for your small business. If you’ve been turned down by lenders in the past, turn to the SBA for a working capital loan that you can afford.
Bridge Loans
Bridge loans, just like their namesakes, help you get from point A to point B. They cover the gap between the short-term financing you need now and long-term financing that’s further down the road. Let us show you what a bridge loan can do for your small business.
Contact Us
Do You Have Any Questions?
Get in touch with our team to discuss your financing needs and loan options. We’ll review your goals and connect you with the right lender to move your business forward.
Call us at
307 . 772 . 4575
Email us at
Admin@Virtual-FS.com