Working Capital Loans

Working capital loans can make the difference between a successful business and a failing business. Attempting to obtain a business loan through traditional financing options can be very difficult today so we have developed a program that offers companies easy access to working capital for their business. You can receive working capital of up to $500,000 by filling out our apply form to start the process.

Our funding program offers companies working capital through a business cash advance. The most important factor you need to qualify is monthly revenues of at least $2,500 and have been in business for at least 3 months. Even if you have bad credit or have been denied recently we offer the opportunity to work on getting you financing.

Why Choose Us

At Shield Funding we offer working capital loans for businesses which require cash to make their business operate more efficiently. Some of our clients request working capital to manage their creditors better, purchase new inventory or equipment, expand their labor force, or just to increase their operating liquidity to capitalize on opportunities. Our working capital loans can be used however you wish, there are no restrictions. We can begin processing your application shortly after you apply. Improve your company operations by applying for a working capital loan today.

What is Working Capital

Working capital is the cash required to manage a company’s daily operations also known as operating liquidity. It is the money used to purchase the goods or inventory that a business sells in order to generate revenues and profit. It is also the expenses associated with selling that inventory such as labor and other forms of overhead. Maintaining comfortable working capital levels allows a business to take advantage of money making opportunities as well as operating a business in an optimal way.

Working Capital Management

Managing working capital is critical to a company’s success. Buying too much inventory or too little inventory can affect the bottom line of a business. Hiring too many employees or not managing their output can also lead to losses. A business owner must consider every aspect of working capital management to ensure the company can continue its operations. Following are some basic tips that can lead to successful working capital management.

Working Capital Strategies

Managing your cash flow involves establishing and documenting everyday expenses and understanding your working capital limits. Daily assessment of your bank accounts, pending payments, outstanding invoices, and overall financial health are the basic steps in ensuring proper working capital management.

Invest your working capital in cash flow opportunities. Improving your inventory turnover ratio will increase your cash flow so take a proactive role by offering customers incentives of discount prices for larger purchases. Customers will purchase more if they can save money and a phone call or promotional effort can make a real difference when attempting to increase your working capital.

Reinforce timely payment of invoices. Develop a strict policy for timely payments and your customers will understand from the very beginning that you are not a creditor that can be delayed. Often customers will choose to satisfy your invoices and delay payments to other creditors who are not as diligent.

Balance purchasing to ensure good pricing without too much overstock. Working capital can be utilized to increase inventory levels and decrease product costs. Determining the maximum efficiency levels involves an in-depth analysis of customer behavior as we as historical sales data. Document inventory levels, consider seasonal or natural fluctuations, and establish the maximum inventory levels with the least amount of overstock. In your analysis consider the points that are not immediately apparent such as although products on the shelf reduce cash flow, you will not take an aggressive approach to selling inventory you do not have. Combine data from inventory with the proactive approaches involved with increasing cash flow and you will surely be able to utilize working capital efficiently.

Distributing working capital effectively also involves managing labor costs and productivity. Business owners often fail to manage their employees correctly. Wasting labor hours is no different than leaving stock on shelves. You must delegate production to employee strengths and hire additional labor only when you require labor to meet production needs. A daily, strategically prepared list of tasks before the day begins will result in maximum output amongst your existing labor team and reduce the need for additional employees.

We are a leader in providing working capital loans in the financial lending industry. We take pride in offering the best financing solutions possible and contributing to the success of good businesses. If you have any questions about our working capital loans please feel free to call our account specialists or contact us online. We look forward to hearing from you.