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Time is money, and you’ve got none to waste. Our application takes a few minutes to fill out. No paperwork, no collateral, no nonsense.
We’re not a broker or advisor. We invest our own money in your business’s success. Partner with us to take your business to the next level!
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What is working capital?
Working capital, also known as net working capital (NWC), is the money you have available for the day to day running of your business. It is calculated by your current assets minus your current liabilities.
This is the working capital formula:
CURRENT ASSETS – CURRENT LIABILITIES = WORKING CAPITAL
Your current assets may be cash, accounts receivable (customers’ unpaid bills), and your company’s stock. Your current liabilities include accounts payable, business loans, and other debts. The working capital is the money that’s left. It’s important to have working capital available to sustain continuous growth in the business.
Use an MCA as your working capital funding
Working capital loans
A working capital loan is used to fund everyday expenses in a business, like rent, salaries, equipment purchasing, and debt payments. It is also often used to manage a cash flow gap during the business’s slower seasons. Working capital loans or business capital loans are approved based on past business performance and future cash flow projections. Working capital loans are designed to be an easy short-term solution to help with your business’s immediate financial needs.
All Year Funding offers an excellent alternative to the traditional working capital loan. Our affordable Merchant Cash Advances are flexible and easy to obtain. We are a direct funder and can fund from $5,000 up to $500,000 depending on your business, not your credit score.
How to get working capital with bad credit
It may be harder or more expensive to obtain working capital with bad credit from a bank or lender. However, if you have bad credit, our working capital alternative may be the right option. Our Merchant Cash Advance is bad credit compatible, and we never require collateral. We believe in building your dreams and funding your future.
Why is working capital important for my business?
There are 4 ways a working capital loan can help your business:
It will act as extra cash to cover daily costs. If your business is seasonal, you may suffer from cash flow problems during the slower months. Your business liquidity can also suffer if customers don’t pay on time. These difficulties can turn into a crisis if you don’t have enough money to cover your day to day expenses.
You can take advantage of opportunities. Every good business owner knows the importance of having cash readily available to grab opportunities as they come along. However, if you do not have the funds when an opportunity comes through, it may be worth getting capital funding to cover the costs.
Hiring new employees. Hiring a new employee will cost your business. However, a capital funding loan will take the stress out of finding the money to pay for new hires.
Buying new equipment. Keeping your equipment up to date and in good working condition is essential to running your business smoothly and ensures you have that edge over your competitors.
What is capital funding?
Capital funding is the money that shareholders and lenders fund to a business for their short term and long term needs. A business can use capital funds to pay for projects and investments which will generate even more money over time. When a business raises funds for capital, they create debt in the form of equity and bonds.
All Year Funding provides direct capital finance. We are a direct funder, and we invest our own money to help your business. When you get an MCA from All Year Funding, you work directly with us, and we will pair you with a financial advisor suited to your business to assist you throughout the process.
Can I get quick capital funding?
If you require express capital funding because of an emergency, you have come to the right place. Our application is quick to complete, and you can get pre-qualified within 10 minutes. We offer fast funding, so you can receive up to $500,000 in just a few hours! We appreciate your time, and we keep it simple so you can get back to managing your business.
Is an MCA right for me?
Do you need a financial boost to your business? Is your business at least 6 months old? Are your payments processed by credit cards? If you can answer YES to these questions, then an MCA is probably right for you.
Why you will love All Year Funding
- Direct funder. All Year Funding is a direct funder and not a broker. This means you get your working capital from us directly, with no broker fees or middlemen.
- Fast approval. Get your cash the same day.
- Convenient access. We boast a secure customer portal where you can make payments and track your funds in real-time.
- Personal service. We’ll pair you with a dedicated account manager who will be available to assist you with anything you may need.
- Secure website. We use the best encryption technology to protect our customer’s information.
To learn more about us, click here.
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What is venture capital?
Venture capital is a type of financing that an investor will provide to entrepreneurs, startups or small businesses which have a long term growth potential. These investors are known as venture capitalists. You can get venture capital from venture capital firms, banks and other financial institutions. Venture capital does not always take a monetary form, a venture capitalist may provide technical support and have a say in the company’s decisions. The main downside of a company getting venture capital is that the investor will usually get equity in the company and therefore, have a voice in the company’s judgements.
When you apply for a working capital loan with All Year Funding, we will not have a say in how you use the money or how you run your business. We want to give business owners the peace of mind they need to grow their business.
What is the working capital ratio?
Working Capital Ratio = Current Assets / Current Liabilities
You calculate the working capital ratio by taking the total current assets and dividing it by the total current liabilities. The working capital ratio is a measure of liquidity. This means it measures if the business is able to pay its debts as they are due. A good working capital ratio is ideally between 1.2 and 2. You should compare the working capital ratio of your company to those of similar companies within your industry.
What kinds of businesses have negative working capital?
Working capital will be negative if the current assets of a business are less than its current liabilities. Negative business capital can arise when a business generates cash so fast that it can sell products to customers before paying its suppliers. Restaurant and retail companies often have negative working capital because their customers pay upfront. Therefore, they can use that cash to pay off their suppliers.
Can I start a business with small capital?
Many successful businesses have started with small or no capital, so the simple answer is YES! Business ideas you can start with include a home bakery, cooking lessons, bookkeeping services, website design, and digital marketing, to name a few. Shopify, Shutterstock, and Skyscanner are examples of huge companies that started with little or no capital.
What is operating capital?
Operating capital is just another term for working capital. Operating capital is the cash required for the day to day running of a business.
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