A contract to start, suppliers to pay, a temporary cash flow need: that is often where everything happens. The business is doing well, but the money arrives after the expense.
The gap between the expense and the payment
You sign a contract. You have to hire, buy the materials and start the work before the client's first payment. Working capital is there to get through that specific moment: the business keeps going while the payments come in.
When it helps
- Starting a contract before the client's first payment.
- Getting through a slower season while keeping your employees.
- Buying inventory ahead of a busy period.
- Seizing an opportunity that cannot wait.
In each case, the need is clear, with a beginning and an end.
What the lender looks at
Lenders mostly look at your recent bank statements: an active business, regular deposits, and few or no late payments. They also want to know what the money is for and how it will be repaid.
Working capital is not a last resort. If the business is going through serious difficulties, it is better to talk about it frankly before submitting a file.
One application can be presented to more than 10 lending partners. The details are on the Working capital page.