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Category · Working Capital

Working Capital: Term Loans and Lines of Credit

Two products in one category, built for the day-to-day realities of running a business: cash flow smoothing, payroll, seasonal inventory, and short-term operating needs.

Two Products

Fixed Lump Sum or Flexible Draw?

Same category, two shapes. Your advisor helps you choose based on how you actually need to spend.

Business Term Loans

A fixed amount funded at close, repaid on a scheduled term. Fits one-time capital needs and specific projects.

Business Term Loans

Business Lines of Credit

A revolving facility you draw from as needed. Interest is charged only on the drawn balance. Fits ongoing cash-flow variability.

Business Lines of Credit
When to Use Working Capital

The Everyday Capital That Keeps the Lights On and the Team Paid

Working capital is the funding you reach for when a big invoice is 45 days out and payroll is Friday. When a seasonal inventory buy needs to land before a peak. When a slow month lands on top of a fixed-cost stack. It is the shortest-time-horizon money in the funding menu, and often the fastest to arrange. A Lendora advisor sizes it against your operating pattern, so the repayment schedule fits the way your business actually generates revenue.

Talk to a Working Capital Advisor
Small business owner smiling in front of a blue shop door holding a wooden Welcome We Are Open sign

Common Questions Before You Apply

Working Capital Questions
A term loan is a fixed lump sum repaid on a set schedule. A line of credit is a flexible revolving facility you draw from as needed and repay as you go. Term loans suit specific projects; lines of credit suit ongoing cash-flow variability.
Amounts vary by business revenue, credit profile, and product. A Lendora advisor quotes the range you actually qualify for after reviewing your situation.
It depends on the product and lender. Some working capital options are unsecured; others require collateral or a personal guarantee. Your advisor walks through the trade-offs.
Yes. Working capital is designed for exactly those situations: payroll, seasonal buys, cash-flow smoothing, and short-term operating needs.
Working capital products are typically faster than SBA or real estate options. Your advisor confirms the funding window once you're matched.

Size Working Capital to Your Actual Operating Pattern

Apply for funding or ask a Lendora advisor whether a term loan or a line of credit fits your situation better.

Apply for Funding Talk to a Funding Advisor