A working capital loan is designed to keep your business moving: covering expenses, funding short-term projects, and bridging cash-flow gaps. At F.G. Howell, we use a mix of SBA 7(a), conventional term loans, revolving lines of credit, and SBA microloan partners to build a working capital solution that matches your cash cycle, not just a bank’s checklist.
From smaller infusions to larger facilities, sized around your actual revenue and needs.
Shorter terms for quick clean-up, longer terms for SBA or bank-backed working capital.
SBA, conventional loans, lines of credit, and microloan partners reviewed in one place.
Working capital funding should support the way your business actually operates. We help you use it strategically, not just as a band-aid.
Cover payroll, rent, utilities, and day-to-day expenses without starving the business of cash.
Buy inventory ahead of busy seasons, negotiate better vendor terms, and avoid stockouts.
Handle equipment repairs, minor build-outs, or technology upgrades without draining reserves.
Refinance merchant cash advances, high-rate loans, and cards into a more manageable structure.
Fund campaigns, hire staff, or launch new services when opportunity shows up before cash does.
Use working capital as a bridge to SBA 7(a), expansion financing, or a permanent banking relationship.
We don’t force every request into one product. Instead, we look at cash flow, credit, collateral, and timing, then match you with the structure that makes sense.
Best fit when you have established revenue, solid global cash flow, and want the lowest blended payment.
Useful when you need speed, have strong revenues, and want a clear payoff date versus a revolving line.
Best for ongoing working capital cycles, not one-time, long-term projects.
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For smaller requests and early-stage businesses, we may also use SBA microloan programs and community lenders, typically from $10,000 up to around $50,000.
Part of our job is helping you avoid the wrong kind of financing. Here’s a quick snapshot of where working capital loans usually make sense.
We keep the process simple on the front end and do the heavy lifting behind the scenes with our lender network.
Answer a few questions about your business, revenue, and goals. No obligation, no immediate document chase.
We review SBA, bank, and non-bank programs and narrow down realistic options based on your profile.
Once you’re comfortable with a direction, we gather documents and package your file for targeted lenders.
We help work through conditions, compare approvals, and stay involved through closing and beyond.
Whether you’re cleaning up expensive debt, smoothing out seasonal swings, or funding growth, a short conversation can help you avoid the wrong kind of working capital. F.G. Howell acts as your advocate from first conversation to funding.
Start Working Capital AssessmentIt depends on the program. Some non-bank working capital and line of credit options can fund in a few days once documents are in. SBA 7(a) working capital typically takes longer but often offers better terms. We’ll set expectations up front based on your path.
Many bank and SBA programs prefer owners around 680+ credit, but we do work with options that consider lower scores when cash flow and business performance are strong. The full picture matters more than a single number.
Some programs are cash-flow based with limited collateral, while others may use business assets or personal guarantees. We’ll walk through how each option treats collateral before you move forward.
Yes, many working capital structures are designed to consolidate merchant cash advances, high-rate term loans, and credit cards. We’ll review your current obligations and suggest whether a refinance makes sense.
Lines of credit are often better for ongoing, repeatable needs like inventory or receivables gaps. Term loans work well for one-time needs you want to pay off over a set schedule. We frequently use both over time as your business grows.
We live in SBA, bank, and non-bank working capital programs every day and know how different lenders actually underwrite files.
Instead of you shopping lender to lender, we bring multiple options to you and help interpret the trade-offs.
We focus on monthly impact and sustainability, not just “maximum approval.” The goal is relief and runway, not another problem.
We stay involved with you and the lender from pre-qualification through closing so the process feels controlled, not chaotic.
Working capital is often the first step. We keep an eye on how today’s structure sets you up for future SBA, CRE, or expansion financing.