Working Capital Loans

Working capital loans are highly versatile and can be used for virtually any legitimate business expense. Common uses include inventory purchases, covering payroll during slow periods, managing operating expenses, paying vendors, funding marketing initiatives, handling unexpected costs, and bridging cash flow gaps. Unlike some other loan types, working capital loans have minimal restrictions on how you can use the funds.

At Tariff Business Loans, we understand that working capital needs often require prompt attention. Once approved, we can typically deposit funds into your business bank account within 24-48 hours. For existing customers with all documentation in order, same-day funding may be possible. The exact timeline depends on the completeness of your application, the time of approval, and your bank's processing times.

Our working capital loans offer flexible repayment terms ranging from 3 to 36 months, depending on the loan amount and your business qualifications. Payments can be structured daily, weekly, or monthly to align with your cash flow patterns. The specific repayment schedule, term length, and payment amount will be clearly disclosed before you accept the loan, allowing you to choose the option that best fits your business's financial situation.

While both funding options provide capital for operational expenses, they differ in structure and usage. A working capital loan provides a lump sum upfront that you repay over a fixed term. A business line of credit establishes a credit limit you can draw from as needed, paying interest only on the amount used. Working capital loans are ideal for specific, one-time capital needs, while lines of credit work better for ongoing, fluctuating expenses where you need to draw funds repeatedly over time.