Move your business forward with a revolving line of credit.
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Working Capital Loans
Working capital is a common measure of a company's efficiency of day-to-day operation. It is calculated as: Working Capital = Current Assets - Current Liabilities. Positive working capital indicates that a company is able to fulfill its debt obligations and remain financially viable. It is essential for a business to continually meet its operational needs.
Businesses with seasonal or cyclical revenue often require more working capital to stay positive during their off-season. For example, a company may be significantly busier during the holidays, resulting in large profits at the end of the year. However, the company must have enough business capital to buy inventory and cover payroll during slower periods as well.
Working Capital for Small Businesses
A working capital loan or working capital financing is a form of unsecured business loan that can be used for a variety of business purposes. Many businesses finance their everyday operations with working capital loans. It’s an easy and simple way to cover your day-to-day expenses of running a business, and your company can receive fast funding in as little as one day after approval.
Get Working Capital with Headway Capital
A business line of credit works similarly to working capital loans — you use it as you need it to get access to the business capital you need. However, with a Headway Capital line of credit, you can choose to make weekly or monthly payments and borrow more as your principal is paid down.