Working Capital Business Loan Programs

Custom tailored working capital solutions for your business

A Working Capital Business Loan can provide your business with the cash it needs to keep growing. Even in this tough credit environment, 1st Commercial Lending is the premier source of working capital for successful business owners.

A Working Capital Business Loan is the perfect option for the business owner that needs cash quick. These funds may be used to pay rent or mortgage payments, utilities, marketing expenses, inventory, new equipment, debt consolidation and other various business expenses. As a very popular option, the Working Capital Business Loan Program gives you the flexibility to use the funds when and where you need them most.

SBA Working Capital Business Loan

$50K to $350K Loan Amounts

must have 2 years in business

interest rate = 6.25% (Prime + 2.75%)

streamlined Application & closing process

2nd position lien ok

10 Year loan terms

Immediate pre-approvals

no pre-payment penalty

Conventional Working Capital Business Loan

$50K to $500k

quick funding (5 - 10 days)

interest rates from 6.99% to 18.99%

must have 2 years in business

streamlined Application & closing process

2nd position lien ok

Up to 4 Year loan terms

no pre-payment penalty

this is a term loan, not a cash advance or factor

As a candidate for Working Capital Business Loan, you can typically be approved within 48 hours and have the loan proceeds in your hands within 5 to 30 days. The sooner you apply, the sooner you can have your money!

To speak with one of our working capital business loan specialists and learn more, call us TOLL FREE at 800-341-6199 or click here to get started online.


1CL Advantages

  48 Hour Loan Proposals
  Common Sense Underwriting
  Streamlined Closing Process
  No Up-Front or APP Fees Ever!

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Recent Testimonial

1st Commercial Lending really came through for us when my sisters and I wanted to open our small business a few years ago. In a time when banking is so volatile, it was nice to know that someone was on our side to work with us in achieving a small business loan. Mike made the grueling process much simpler and fought for us and our goal.

The people at 1st Commercial are not afraid to roll up their sleeves and work hard to help you get the loan that you need."

Hilary Ross, "Barrel O Monkeys" Kids Gym - Delray Beach, FL