Working Capital Loans
Our working capital loans are commonly designed as a purchase of future receivables, making them one of the swiftest methods to obtain financing

What is a Working Capital Loan?
Our cash advance working capital loan is a form of business financing in which a lump-sum of funding is given to a business in exchange for an agreed-upon percentage of future revenues or credit card sales. Working capital loans come in various forms and often have shorter durations and smaller remittance amounts than business term loans, making them ideal for small business owners who need flexible options to satisfy their funding due to fluctuating revenue.
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Put simply, we provide a lump sum amount of cash based on an anticipated amount of credit card/debit card sales from your business operations.The purpose of a merchant cash advance is to accelerate the business owner’s cash flow, allowing the capacity to take quick advantage of upcoming growth opportunities.
Quick Financing For Your Business
Businesses who accept credit card payments and are in need of quick capital are ideal candidates. Remember, aside from being simple and have a much easier application process, a merchant cash advance provides flexibility with variable payments based on business receivables. If your business has high credit card sales, revenue receivables, or is seasonal, then a merchant cash advance might be ideal for you.
Loan Amount From $5,000 - $500,000
Avg. Term Length
3 - 24 Months
No Collateral Requirements
No Application Fees
Working Capital Loan Details
Qualifying Criteria:
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550+ credit score
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12+ months in business
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$10,000+ average monthly bank deposits
Required Items:
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Signed one page funding application
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3-5 most recent business bank statements
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Business tax returns (not all cases)
Advantages:
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With flexibility on what you can use the funds for, a cash advance is a great short-to-mid-term solution for many business cases.
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Remittances will always be the same each month so that there are no unforeseen expenses based upon the fluctuation of your revenue.
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Because WCLs look forward and not backward, they are typically easier to qualify for even if you do not have strong business credit.
Disadvantages:
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If you would like to request that the remittances are in accordance with the revenue fluctuations that will have to be adjusted after the month has ended.
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WCLs are shorter in duration which means they may not be as effective for financing long term growth objectives.
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Business cash advances can be more expensive than other alternative funding structures.
Why Choose Us?
At Gold Management Inc., we prioritize your business in a way that traditional banks and other alternative lenders often don't. Your success is our top priority, which is why we ensure you won't be over-leveraged with more funding than you can manage. Our straightforward application and fast approval process make obtaining the working capital your business needs easy. Additionally, our experienced funding consultants will support you at every step.