We specialize in

WORKING CAPITAL LOANS

A working capital loan is a fast way to get cash for short-term business expenses. Loan funds can be put toward supplies, personnel, tax payments, unexpected bills and even new equipment. One of the most flexible financing options available, working capital loans require minimal application paperwork and can be approved fast. Borrowers with good credit and tax records may qualify for unsecured loans.

Overview

Few businesses earn income at the same rate from month to month. Retail ventures are especially prone to seasonal fluctuations in demand. That doesn’t mean that expenses can be put on hold until income is flowing smoothly again. Sometimes, it just takes a little boost to get more personnel on board, ship in raw materials, or update the equipment that enhance operations.

A working capital loan covers costs in the short term to help smooth out seasonal bumps in revenue. It can also fund important purchases that need to happen quickly. The loan can be secured or unsecured, although a higher credit score is required for unsecured loans. Because these loans are meant to cover expenses in the short term, interest rates can be higher than long term loans.

Since working capital loans typically last less than a few years, it’s a good idea to have a repayment plan in place before applying. Speak to a financial adviser to learn about your options.

Loan Highlights

– Working capital loans are short-term financing solutions.

– Loans are flexible and can be used for most business expenses.

– Secured loans require collateral to minimize lender risk.

– Unsecured loans work best for borrowers with a good credit history.

 

Fund Your Operations

↓ Let us identify funds accessible to you

↓ With multiple pathways to working capital, we will create your funding roadmap

↓ We are your financial advocate. Put our team to work for you

Contact JBartolo Today To Get Started!

Why leave your brand to chance? You’re already busy running your operations. Let our team position your business for the right financing solutions. You’re already doing what you love. Let us do what we love and shape your financing to support growth.

45 Church St D-1
Montclair NJ 07042
1-201-264-6263
online (at) jBartolo.com