Working Capital Loans & Financing

Increase your financial security and stability with a working capital loan.

Get Funding Today

Your Trusted Working Capital Lending Partner

To keep up with monthly expenses, businesses may need a working capital loan. Also known as operating capital, working capital is the type of funding businesses need to manage baseline expenses. Without working capital, your business may have to restructure or strain its budget. As a working capital lending partner, we at Porter Capital help both large and small business owners avoid these situations through flexible, short-term loans and lines of credit.

You can increase your financial security and stability with a working capital loan, no matter your business’s size. Porter Capital has been the country’s expert in capital solutions for over 30 years. We prioritize your success through reliable lending services. Discover what a working capital business loan can do for you!

Working Capital Solutions for All Types of Businesses

porter capital industries

Staffing and Payroll

Learn More
porter capital manufacturing


Learn More
porter capital distribution


Learn More
porter capital service companies

Service Companies

Learn More
porter capital oil and gas industry

Oil and Gas

Learn More
employees working at a tech company


Learn More

What Is a Working Capital Loan?

A working capital loan is a temporary source of funding for everyday expenses, including:

  • Payroll
  • Utilities
  • Supplies
  • Inventory
  • Rent
  • Marketing
  • Daily operations

In short, a working capital loan agreement is a solution for businesses that need to pay their day-to-day expenses. This short-term option is perfect for businesses in lull periods or with low cash flow. You can take advantage of working capital financing services to avoid straining your budget or sacrificing quality.

Some business loans help individuals finance long-term investments like real estate or growth stocks. Working capital funding services offer short-term solutions that improve your stability throughout a less profitable period. Lenders will help you determine the appropriate limit or loan amount by subtracting your current liabilities from your current assets.

Why Choose Working Capital Business Loans?

Business owners use working capital loans to cover their daily expenses and enjoy greater security throughout the fiscal year. Working capital can give new and established businesses the time to create more long-term solutions. With a working capital loan, you can finance your business’s needs throughout the year. Many companies choose working capital financing because it provides:

  • Everyday flexibility: You can be flexible with additional income when you have the funding to finance your routine expenses.
  • Security throughout lull: Low profitability periods can put your business at risk of financial strain. Have confidence throughout your slower periods with a working capital business loan.
  • Room for personal growth: Some business owners invest additional profits in their retirement funding so their team can be even more confident in the company.
  • Full ownership solution: Working capital financing doesn’t require equity, allowing you to control the company fully.

Types of Working Capital Loan Options

As a working capital financing company, the team at Porter is well-equipped to help your business get the funding it needs. We offer various types of working capital loans, each with unique perks and terms of use. Business owners can choose from the following options based on their funding and repayment needs:

Short-Term Loan

Short-term working capital loans are great for businesses with a set timeline for their financial goals. Many of these loans have a fixed interest percentage rate and repayment terms, and it’s common to pay your balance within a year. Short-term loans can be secured or unsecured, depending on your financial standing. If you’re hoping to buy new equipment or inventory for your company, short-term working capital may be the perfect solution!