Loan Services
Working Capital Loans for Small Business
Fast financing to cover payroll, inventory and seasonal cash flow gaps.
Is this you?
Payroll is due before your biggest invoice actually gets paid.
Your busy season needs inventory or staff before the cash from last season lands.
You're about to sign for a merchant cash advance because it's the only thing that seemed fast enough.
If any of those sound familiar, or call +1 (305) 819-3675.
The Fastest Option Often Costs the Most
Slow-paying customers, seasonal dips and growth that outpaces collections all create the same problem: payroll and vendors are due before the cash arrives. Businesses that grab the fastest option without comparing, often a merchant cash advance, end up paying far more than a properly matched product would have cost them.
1–4 weeks
Typical funding window across most working capital products
Why owners choose us for this
A fixed fee, quoted before we start.
You know the cost of the engagement before we touch your financials.
We diagnose the gap before we recommend a product.
We look at your cash conversion cycle first, then evaluate bank lines, SBA microloans, factoring and alternative lenders together, instead of pitching whichever option is fastest to sell.
Your books already back up what we submit.
SMAART also handles your accounting, so the bank statements and financials in your package match your books instead of raising questions.
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What you actually get
The cash flow diagnosis and the fastest, cheapest matching product.
Ready when you are
How it works
- 1
Diagnose
We analyze your cash flow cycle to identify the actual gap, its size and the repayment structure that fits it.
- 2
Match
We recommend the working capital product, bank line, SBA microloan, factor or alternative lender, that fits your speed and cost needs.
- 3
Package
We prepare your financials, bank statements and application in the exact format your matched lender requires.
- 4
Submit
We submit to the selected lenders and manage every communication through approval.
- 5
Fund
We coordinate closing so capital lands in your operating account as fast as the product allows.
Included Services & Outcomes
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Questions
Working Capital Loans FAQ
What's the difference between a working capital loan and a line of credit?
A working capital loan is a fixed lump sum repaid over a set term with regular payments. A line of credit is a revolving limit you draw from as needed, paying interest only on what you use. Lines offer more flexibility; term loans offer predictable payments.
How fast can working capital funding actually close?
Traditional bank lines take 2 to 4 weeks. Alternative lenders and invoice factoring can fund in 3 to 7 business days. Merchant cash advances fund in 1 to 3 days but carry significantly higher cost, we match speed requirements to the most cost-effective option available.
What qualifications do I need?
Requirements vary by product. Bank lines typically want 2 or more years in business and strong financials. Alternative lenders may fund businesses with 6 or more months of operations and consistent revenue. We match your actual profile to the right program instead of guessing.
Is invoice factoring a good option for working capital?
It works well for business-to-business companies with creditworthy customers and 30 to 90 day payment terms. You receive 80 to 90 percent of invoice value immediately and the remainder, minus fees, once your customer pays. It's fast, but typically costs more than a bank line of credit.
Can working capital financing hurt my ability to get a bigger loan later?
It can, if the wrong product stacks debt payments that hurt your debt service coverage. That's exactly why we diagnose before recommending, a merchant cash advance taken reflexively can make an SBA loan harder to qualify for six months later.
Put SMAART Loans behind your working capital loans
Book a free consultation. We'll review your financing need, quote a fixed fee, and show you exactly which loan programs fit your business.