If your business is running, but your cash flow feels stuck, youʼre not alone.
Many small business owners face the same challenge, strong sales, loyal customers,
but not enough cash on hand when itʼs needed most.
Thatʼs where working capital loans step in.

Letʼs unpack what they really are, how they work, and how you can use them to
strengthen your business.

What does “working capitalˮ actually mean?

Working capital is the money your business uses for daily operations, paying suppliers,
covering payroll, keeping inventory stocked, and handling routine expenses.
Itʼs the lifeblood that keeps your business moving forward between income cycles.

When working capital runs short, even profitable companies can struggle to
stay on track.

When you might need extra working capital

Here are a few common signs that your business might benefit from additional capital:

• Youʼre waiting on large client payments.
• Seasonal slowdowns make it hard to cover expenses.
• You want to expand inventory or take on new projects.
• Youʼre growing faster than your current cash flow allows.

Instead of missing out on opportunities or stretching thin, a short-term boost can help
bridge the gap.

Types of working capital financing

Thereʼs no one-size-fits-all solution, and thatʼs the beauty of modern business funding.
You can choose what fits your pace and purpose:

1. Business term loan:

• Borrow a lump sum and repay it over time. Great for predictable expenses like
renovations or marketing pushes.

2. Line of credit:

• A revolving credit option, borrow, repay, and reuse as needed. Ideal for flexible
or unexpected costs.

3. Consolidation loan:

• Combine multiple repayments into one manageable plan to ease cash flow pressure.

How Quick Access Capital simplifies the process

At Quick Access Capital, we know your time is valuable. Our goal is to make access to
working capital quick, transparent, and straightforward.
With flexible products, fast approvals, and repayment options that suit your cash flow,
we help you stay focused on what matters, running your business.

Running low on working capital?

You donʼt need to slow down. Let Quick Access Capital help you keep
your business momentum strong.