Working Capital Solutions
At Fidelis Commercial Capital, we understand that maintaining healthy cash flow is essential for the success and growth of your business. Whether you’re navigating seasonal fluctuations, expanding operations, or covering day-to-day expenses, our working capital solutions are designed to keep your business moving forward.
What Is Working Capital?
Working capital is the lifeblood of your business; it’s the difference between your current assets and current liabilities. In simpler terms, it’s the cash available to meet your short-term obligations and operational needs. A strong working capital position allows your business to:
- Pay employees and suppliers on time
- Manage inventory and fulfill orders
- Invest in marketing and growth opportunities
- Navigate slow seasons or unexpected expenses
- Any other reason
Our Working Capital Financing Options
1. Business Working Capital Loans
Our working capital loans provide a lump sum of capital that can be used for a variety of business needs. The benefits of these loans are:
Key Features:
- Maintain Cash Flow: Ensure you have the funds to cover daily operations like payroll, rent, and utilities.
- Seize Opportunities: Take advantage of time-sensitive deals, bulk inventory purchases, or short-term growth initiatives.
- Bridge Revenue Gaps: Smooth out seasonal fluctuations or delays in receivables.
- No Collateral Required: Many loans are unsecured, making them accessible to a wide range of businesses.
- Fast Access to Funds: Get approved and funded quickly—often within a few business days.
2. Merchant Cash Advances (MCAs)
- Flexible repayment terms
- Competitive interest rates
- Fast approval and funding
- No collateral required for many applicants
A Merchant Cash Advance is a financing option where you receive a lump sum of capital in exchange for a percentage of your future credit card or debit card sales. This is a great solution for businesses with strong daily sales but limited access to traditional loans.
Best For:
- Businesses with limited credit history
- Companies needing fast access to funds
- Retailers, restaurants, and service providers
Benefits:
- No fixed monthly payments
- Approval based on sales performance, not credit score
- Quick access to capital—often within 24–48 hours
Why Choose Fidelis Commercial Capital?
- Tailored Solutions: We match you with the right financing based on your business needs and goals.
- Fast & Simple Process: Apply online in minutes and receive funding quickly.
- Expert Guidance: Our team is here to help you understand your options and make informed decisions.