Working Capital & Business Loans
Flexible financing to keep your business moving forward
Term loans and lines of credit designed to bridge cash flow gaps, fund operations, and seize growth opportunities.
Overview
Working capital loans and business term loans provide the flexible financing small businesses need to manage cash flow, cover operational expenses, and capitalize on growth opportunities. Whether you need a short-term bridge, a revolving line of credit, or a fixed-term loan for a specific project, we match you with the right product and lender from our network. Solutions range from $25,000 to $5M+ with terms from 6 months to 7 years.
Key Benefits
Fast funding — often in days, not months
Flexible uses: payroll, inventory, marketing, expansion
Term loans, lines of credit, and revenue-based options
Minimal paperwork compared to traditional bank loans
Ideal For
Businesses with steady revenue needing cash-flow support
Companies funding marketing or inventory campaigns
Seasonal businesses bridging slow periods
Growing businesses hiring or expanding capacity
How It Works
A clear, structured process from first call to funded.
Needs Assessment
We review your cash flow, revenue, and use of funds to determine the right product and amount.
Lender Matching
We match you with the right lender — bank, alternative lender, or private credit — based on your profile.
Application & Underwriting
We streamline the application and manage underwriting to keep the process moving.
Fund & Deploy
Funds are deposited and you put them to work — we stay available for future needs.
Articles & Insights
Deep dives from our capital advisory team to help you make informed financing decisions.
Working Capital Loans vs. Lines of Credit: Which Do You Need?
A term loan gives you a lump sum with fixed payments; a line of credit lets you draw and repay on demand. We help you match the structure to your cash-flow pattern.
How Much Working Capital Does Your Business Actually Need?
Underborrowing starves growth; overborrowing strains cash flow. Here is a practical framework for sizing your working capital need.
5 Signs Your Business Is Ready for a Growth Loan
From consistent revenue to clear ROI on the use of funds — here are the indicators that a working capital loan will accelerate rather than burden your business.
Working Capital & Business Loans Case Studies
Real engagements, real outcomes. See how we have structured working capital & business loans for clients like you.
E-Commerce Store Bridges Holiday Peak with $100K Line
Online Retailer
The Challenge
A seasonal e-commerce business needed inventory funding ahead of the holiday peak but did not want to commit to a fixed term loan during slower months.
The Teal Bay Solution
Teal Bay arranged a $100K revolving line of credit, allowing the client to draw $30K for inventory, repay from holiday sales, and reuse the line without reapplying.
The Outcome
Client increased holiday revenue by 45% year-over-year and paid the line down to near-zero by February, paying interest only on what they drew.
Frequently Asked Questions
Straight answers to the questions we hear most.
Many working capital loans fund in 2–5 business days. Lines of credit can be set up in 1–2 weeks. Complex deals or larger amounts may take longer.