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Working Capital - Business Financing

Working Capital Financing to Keep Your Business Moving

Finance operating needs, inventory, payroll, and growth opportunities. Market Direct Capital™ helps businesses evaluate private capital, conventional bank financing, and eligible SBA or USDA programs.

Capital for the Needs of an Operating Business

Even successful businesses can face a gap between paying expenses and collecting revenue. Working capital financing can help support operations, meet near-term obligations, or fund a qualified growth opportunity.

The right structure depends on the amount needed, timing, cash flow, existing obligations, and how the business expects to repay the financing.

Market Direct Capital™ evaluates the request, organizes the supporting information, and helps identify financing sources that fit the transaction.

Common Working Capital Uses

  • Payroll and routine operating expenses
  • Inventory and supplier purchases
  • Seasonal cash flow requirements
  • Expansion and new contracts
  • Marketing and business development
  • Short-term liquidity needs
  • Other eligible business expenses

Working Capital Financing Options

Different funding sources serve different business profiles, repayment needs, and timelines.

Private Capital

Alternative and private financing structures for qualified businesses, including situations where conventional bank criteria or timing may not fit.

Explore private capital

Conventional Bank Financing

Business term loans and other commercial credit options for borrowers meeting a bank's cash flow, credit, and underwriting requirements.

Explore bank financing

SBA & USDA Financing

Government-guaranteed programs may support eligible working capital needs when the borrower, use of proceeds, and transaction qualify.

Explore SBA 7(a)

Choosing a Structure That Fits the Need

Term Financing

A defined funding amount with scheduled repayment for an eligible business purpose.

Business Lines of Credit

Revolving access to approved credit for ongoing or recurring cash flow needs. Learn more.

Short-Term Financing

Qualified private capital options when a specific opportunity or obligation requires a shorter repayment horizon.

Longer-Term Programs

Conventional or eligible SBA/USDA loans when the business and financing purpose support the structure.

What Lenders Consider

Working capital requests are evaluated based on the business's ability to support repayment. A lender may review historical revenue, operating cash flow, outstanding obligations, credit, and the intended use of funds.

MDC helps frame the financing request around the actual business need and identify which lender requirements are most relevant.

Helpful Information to Prepare

  • Requested amount and use of proceeds
  • Recent business financial statements
  • Business bank statements, if requested
  • Existing debt and payment obligations
  • Business history and ownership background
  • Repayment plan and projected cash flow

Relief From Existing Merchant Cash Advances

For businesses carrying expensive merchant cash advance obligations, certain private capital programs may provide a refinancing alternative.

MDC has access to a private financing option that may refinance up to two existing MCAs, with monthly payments and terms up to 24 months, subject to lender underwriting. This is a private capital solution, not an SBA MCA refinance program.

Discuss MCA Refinancing

Review existing advance balances, payment obligations, business cash flow, and possible refinancing options.

Request a Financing Review

How Market Direct Capital Helps

Understand the Need

Define the amount, timing, use of proceeds, and desired outcome.

Review Repayment

Evaluate cash flow, existing debt, and a practical financing structure.

Prepare the Request

Organize the business and financial information relevant to lender review.

Identify Funding Sources

Consider private capital, conventional banks, and eligible SBA or USDA programs.

Working Capital Financing Questions

Working capital financing provides funds for eligible day-to-day business expenses and operating needs, including payroll, inventory, suppliers, and growth-related costs.

Depending on lender requirements, proceeds may support payroll, inventory purchases, operating expenses, seasonal demand, and other eligible business needs.

Options may include private capital, conventional bank loans, and SBA or USDA financing when the business and use of proceeds meet program requirements.

A term loan generally provides a set amount with a repayment schedule. A line of credit generally allows eligible draws and repayments within an approved credit limit.

Lenders may consider revenue, cash flow, existing debt, credit history, time in business, intended use of funds, and ability to repay.

Certain private capital programs may refinance up to two existing merchant cash advances, with monthly payments and terms up to 24 months, subject to underwriting. SBA financing is not presented as an MCA refinancing option.

Explore Working Capital Financing for Your Business

Market Direct Capital™ can help assess your working capital needs and identify appropriate financing options. All financing is subject to lender review and approval.

Request a Financing Consultation