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WORKING CAPITAL LOANS

What are Working Capital Loans?

Working Capital Loans are short-term loans designed to help businesses to manage their cash flow and daily operations effectively. It helps manage the everyday expenses such as payroll, rent, utilities, inventory management, and other operational costs, especially when businesses face a seasonal or temporary cash flow gap.

Merchant Banking Resources offers working capital loans that help your business operate and grow effectively and stay on track, even during cash flow gaps, so you can focus on growing without financial worry.

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SMALL BUSINESS ADMINISTRATION LOANS (SBA Loans)

What Are Small Business Administration Loans?

Small Business Administration (SBA) Loans are government-guaranteed financing programs offered through approved lenders such as banks and alternative lending institutions. Designed to help small businesses succeed, these loans provide affordable funding for starting a new business, expanding operations, purchasing equipment, refinancing debt, or covering day-to-day expenses.

At Merchant Banking Resources, we make accessing SBA Loans simple and stress-free. Our experts guide you through the process so you can secure low-rate, long-term financing backed by the U.S. government. Whether you need capital for business expansion, equipment upgrades, or working capital, we help you obtain the right SBA funding solution to grow with confidence.

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Get the capital your growing business needs!

  • Over 90% Approval Rate
  • No Upfront Cost
  • No Use Of Funds Restrictions
  • Same Day Approval
  • Same Day or Next Day Funding

Unlike traditional loans, SBA financing offers longer repayment terms, lower interest rates, and more accessible qualification requirements, making it one of the most effective funding options for small businesses today. With our proven track record and commitment to customer success, you can trust us to deliver the funding you need quickly and reliably.


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    Application Process

    1
    Apply Online

    Complete our easy online application form in just a few minutes. We recommend keeping your necessary paperwork with you to ease your application process.

    2
    Let Us Review

    Our team will review your application quickly to understand the financial services you are looking for. One of our financial advisors will reach out to you for any additional information if needed.

    3
    Get Funded

    After approval of your loan application, your loan will be disbursed fast and securely to your bank account, helping you grow your business effectively.

    Working Capital Loan and SBA Loans FAQs

    1. What is a working capital loan used for?

    A working capital loan helps cover everyday business expenses like payroll, rent, utility bills, inventory purchases, and other short-term operating costs.

    2. How quickly can I get funded?

    Once your application is approved, you can typically receive funding within a few business days, helping you manage urgent cash flow needs without delay.

    3. What can SBA loan funds be used for?

    SBA loan funds can be used for purchasing equipment, expanding operations, real estate purchases, working capital, refinancing debt, and more.

    4. How quickly can I get funding for a working capital loan versus an SBA loan?

    Working capital loans are typically funded within a few days, while SBA loans can take several weeks due to more detailed paperwork and approval processes. At Merchant Banking Resources, you can get the SBA loans within a week.

    5. Do I need collateral for these loans?

    Working capital loans are usually non-collateralized, but SBA loans often require collateral or a personal guarantee.

    6. Can I use both types of loans for the same business?

    Yes, many businesses use working capital loans for short-term cash flow needs and SBA loans for long-term investments.

    7. Are there any hidden fees?

    No, Merchant Banking Resources is transparent. All fees and repayment terms are clearly explained up front.

    8. Are the interest rates different between these loan types?

    SBA loans generally have lower interest rates because they are partially backed by the government, while working capital loans may have higher rates due to their short-term nature.

    9. What happens if I can’t repay on time?

    If you face difficulty in repayment, contact us early. We work with you to find a manageable solution.

    10. Is there a minimum credit score required to qualify?

    While requirements vary, we consider your overall business health, revenue, and cash flow rather than focusing solely on your credit score.

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