Working capital is used as a financial metric to determine the health of a business by comparing current assets and current liabilities. Current assets are cash (or items that can quickly be converted to cash), while current liabilities are short-term obligations typically due within one year.

Access to working capital is crucial for all businesses to meet their continued operational needs, whether they use loan or not. As a business grows, cash flow must expand with it in order to be successful. Managing inventories, debt recovery, and payroll are examples of how working capital can help your business. Unexpected events always arise and cash-on-hand is extremely important.

We’re excited to offer a unique line of credit for credit-qualified business owners. These lines of credit can be used for working capital, equipment, vehicles, real estate, or whatever you choose – without lender’s limitation.