The Limitations of Government-Funded Loans for COVID Relief

The coronavirus pandemic has left an indelible mark on the global economy. Thousands of small and medium businesses immediately felt the crunch when cities all over the country imposed a two-week or longer mandatory quarantine and closed down all commercial establishments, to stop the spread of the COVID-19 virus.

Many would have recovered if they were able to return to business as soon as city-wide quarantines ended, but state governments deemed it best to lift restrictions by stages: essential services first (e.g., food and drink, personal care) and least essential businesses last (e.g., entertainment, museums, concert events).

Small businesses that belonged to the less essential categories had to wait longer to reopen, but bills from creditors and landlords did not stop. By the end of September 2020, nearly 100,000 establishments that were shut down because of the pandemic closed for good.

Poor Dissemination of Stimulus & Financial Aid Funds

Acknowledging that small businesses are vital to the economy and therefore need assistance during the pandemic, Congress passed a stimulus package in March to provide emergency financial relief for workers and small businesses. The CARES Act established four temporary loan options:

  • Paycheck Protection Program (PPP)
  • EIDL
  • SBA Express Bridge Loans
  • SBA Debt Relief

Small business owners looked forward to these programs. Unfortunately, the needs outweighed the available resources as the initial funding ran out in only days.

The Challenges Small Business Owners Face When Applying for Aid

In California, small business owners jumped at the chance to get affordable and lenient loans from the government. They might have found more success, however, if they sought small business loans from private California lenders.

The government-funded loan programs had numerous snags, which made it more challenging for business owners to apply. Here are some of them:

  • The programs all have limited funding, and the availability of the funding depended on whether Congress could agree on the budget, among other things.
  • The debt relief programs were meant to provide aid for small businesses, but loopholes in the section identifying the criteria for qualified applicants allowed large businesses and franchises to avail of the financial aid as well. Many big companies received millions in assistance, while the smaller businesses were left with little to zero funds as a result.
  • Businesses with long-established relationships with banks and lenders seem to have had an advantage even though the loan programs were meant to be awarded to qualified businesses on a first-come, first-served basis. This reportedly disproportionate prioritization led to manufacturers and construction firms getting approved for loans first, and restaurants, bars, and hospitality businesses last. There are also data to support this observation: Yelp’s recent Economic Impact Report revealed that approximately 163,735 businesses have reported to Yelp that they have closed for good. The restaurant industry had the highest number of permanent closures at 61%.
  • For the first rounds of the stimulus package, the funding went to the country’s largest banks, and not enough went to the smaller, rural banks that also served the smaller, rural business owners.
  • The small business owners who did get approved for these loans received just enough to see them through in the short term. In some cases, business owners were doubtful that, even with loans, they would be able to keep their business open for long.

Contact Probably Yes for Your Small Business Funding Relief

The pandemic has created unprecedented scenarios for which many of us, including the federal and state governments, were unprepared.

In the middle of all this uncertainty, reliable and indubitable solutions can give you financial relief and peace of mind.

That’s what we offer here at Probably. We offer working capital loans and small business loans to small business owners in California. Browse our website to learn more about what we do.

Contact us to apply for a small business loan today!


Starting a Business? Here are 4 Booming Industries Amid the Pandemic

The coronavirus pandemic left 20 million Americans unemployed, leaving people scrambling to find other sources of income. And many are considering opening their own small business.

But starting your own business is a daunting and risky feat, and aspiring entrepreneurs fear the potential fallout. Luckily, the pandemic has caused changes in consumer behavior that have resulted in lucrative business opportunities. And some industries are uniquely profiting from the coronavirus. First-time entrepreneurs can bank on these market segments to achieve their dreams of successful business ownership. 

Plus, many financial institutions are offering unsecured business loans for startup owners, allowing you to finance your business without collateral. 

Below Are Some of the Top Low-Investment, Pandemic-Friendly Business Ideas for Aspiring Entrepreneurs:

1. Health & Fitness 

The global health crisis forced people to be more conscious of their well-being. Many have started eating more healthily and working out to help their bodies fight off the virus. 

The health and fitness market is expansive, presenting a wealth of business opportunities. You can enter the market by offering exclusive workout programs online, healthy meals and snacks, and even reselling athletic apparel. Choose one that aligns with your skills and knowledge so you won’t have to learn the ropes of the trade once you start.

2. Home Gardening

Quarantined to their homes, homeowners and renters turned their attention to their houses, which led to a spike in gardening activities. Home gardening saw a massive surge across the globe during lockdowns, with seed sales jumping worldwide.

This sales boom is due to three reasons:

  • Food insecurity has prompted people to plant vegetable gardens to increase their food supply.  
  • People prefer organic food items more now than ever. It’s easier and more affordable to grow their own fruits and vegetables than look for produce suppliers. 
  • Gardening helps reduce stress and anxiety levels, which are higher now because of uncertainties and feelings of isolation caused by the pandemic.

You can enter this market by reselling seed packets, indoor plants, aesthetically pleasing pots, and other gardening accessories. With a few horticultural skills, you can also propagate your own plants to increase your revenues.

3. Meal Kits & Food Delivery

Food is always a good industry to join because people always need food. It all comes down to how well you market your brand and the quality of your products.

This market is incredibly lucrative during the pandemic since many still don’t feel comfortable going out to buy food and groceries. If you’re selling food, address buyers’ safety concerns by offering pick-up and delivery services.

You can join both the food and health/wellness industries at the same time by offering meal kit delivery services. Pre-portioned, ready-to-cook fresh ingredients satisfy consumers’ demand for healthy yet convenient food products.

4. Online Tutoring

When schools reopened last September, many included online learning in their curriculum. Distance learning is a challenge even for parents since they have to make sure that their kids follow the lessons and submit assignments on time. With household chores and professional duties to take care of as well, online classes add to parents’ daily responsibilities and time-commitments.

This problem created a massive demand for online tutoring for elementary students, a not-so-large market before the pandemic. You can offer one-on-one or small group tutoring services on various subjects for different levels. 

One of the best things about being an online tutor is that it requires a small capital. All you need is a stable internet connection and a reliable laptop or desktop computer, and you can already start earning from teaching. 

Jumpstart Your Business with Probably

Starting a business amid a pandemic is possible. Analyze the current demands in the market and figure out how you can provide that need by using your skills and knowledge. If you need assistance with financing, research first-time business loans that can help you jumpstart your business, like Probably’s many financing options.

Probably gives small businesses the financial support they need through startup loans and small business loans. We know how frustrating and time-consuming it is to apply for a bank loan only to get rejected in the end. This is why Probably helps aspiring entrepreneurs overcome these challenges through financing options that work for startups, expansions, and small businesses alike.

Contact us today and let’s talk about your small business funding.

Tips for Maximizing Your Small Business Working Capital Loan

So, you got approved for a working capital loan. Congratulations! Many small businesses struggle to get approved for loans because of various reasons (e.g., lack of a substantial track record to prove their profitability, low business, or personal credit scores). Getting the much-needed funds for your business has no doubt removed a huge burden off your shoulders. But don’t let your relief lull you into a false sense of security.

‘Working Capital Loan’ Definition

In a nutshell, a working capital loan is a loan that provides working capital for a business – easy, right? It is usually awarded as a line of credit. It isn’t, however, ideal for solving recurring, long-term financial problems.

A working capital loan is meant to keep a business running by funding its day-to-day expenses and help keep it keep money in the bank — that is, have profit left after paying off bills and overhead costs.

Here are some tips on how you can make the most of your working capital loan:

  1. Strategize the order of priority for your payables. Working capital loans are never intended to solve long-term problems, as you cannot use it to pay off massive debts at once. This is especially true if you receive the loan as a line of credit: there’s a limit to how much you can borrow over a specified period.  Are there suppliers with whom you cannot afford to have a sour business relationship? Prioritize settling your bills with them, then propose an alternative repayment scheme for other suppliers who’re willing to give you an extension on your payments.
  2. Now that we’re on the subject, prioritize paying your people their salaries. The cash flow might be the lifeblood of a small business, but it’s the people in your organization who keep things running. Having said that, you may have to reevaluate your employment structure for redundancies and teams that are not generating income. If it comes down to it, you’ll want to keep the people who are making a profit for your business.
  3. Do better on securing your receivables. Given that you don’t have a limitless line of credit, you need to draw cash flow sources from other, more sustainable places as well. Your receivables are the first things you should look into. Review your invoicing process. Are you sending them out on time? Do you follow-up with your customers regarding their payments, or are you too lenient on delinquencies? Do you often make billing errors? If you can correct the flaws in your invoicing, your cash flow will improve, and you’ll be less inclined to max out your line of credit each month.
  4. Increase your capital by exploring other income sources. Many small businesses that seek working capital flows are seasonal: they depend on the influx of income for the months when their services are needed to sustain them during the off-season months. When the revenues fall short, however, businesses will be under massive strain during the slow months. A working capital loan can help weather this period, but it could backfire when payments are due and revenues are still trickling in. A better solution would be to explore other ways to generate income even as you tap on your line of credit. This way, you can increase your working capital and stay afloat until you’re back in season.

Probably is Here to Help Get You the Small Business Working Capital Loan You Need + Use it to the Fullest!

Don’t let your working capital loan do all the work when your business is struggling to stay afloat. Maximize it, increase your capital, and allocate your resources where you can get returns as quickly as possible.

If you need a lifeline to keep your small business’s doors open, you can find a solution here at Probably. We are a financing company offering flexible, innovative, reliable, and transparent funding options for small businesses.

Contact us to apply for your small business working capital loan.


Flattening the Curve of Cash Flow Gaps After COVID-19

Today, business owners face plenty of rough patches due to the COVID-19 pandemic. Self-isolation measures, social distancing rules, and travel restrictions have resulted in the suspension of operations and substantial declines in sales.

In the face of a pandemic, business owners now struggle with cash flow gaps. The closure of brick-and-mortar-stores, failure to fulfill customer orders and collapsing supply chains cause incoming cash to plummet, which could result in a negative cash flow. Because of this, many business owners are creating strategies, applying for a merchant cash advance (despite their bad credit) or downsizing the workforce to weather the current consequences and potential aftermath of the pandemic.

Understanding the Immediate Problem

Drops in sales cause the cash wheel (a tool that generates that required liquidity to operate a business) to slow down or stop. When sales continue to drop, the cash flow dries up. If you cannot stop the drop, cash outflows (payments for raw materials, salaries or supplies, merchandise, interest, and rent), cash reserves, and other lines of credit will be used up, resulting in a cash-flow gap.

The Reality of Sales

No cost, no sales — this is a reality business owners face. Retailers need to buy products or invest in services they can sell. The inverse of “no cost, no sales” (no cost without sales) is not always true for two reasons: time delays and a fixed cost.

In terms of costs, there are two types: fixed and variable. When sales drop, the variable cost drops too since lower sales volumes require fewer labor and materials — therefore, fewer payments. On the other hand, fixed costs remain in place and are more difficult to change. For example, you still have to pay rent even if your store is slow or has shortened hours, or even closed for weeks at a time!

Plus, variable costs do not disappear. As a result, business owners experience a rapid and sharp decline in their sales. Payments never stop when sales stop, which emphasizes the need for immediate action to prevent cash flow gaps.

How to Beat Cash Flow Gaps

Reduce Costs as Much as Possible

Assess your finances for the time being and consider reducing costs in non-essential areas. Start by listing your variable and fixed costs to start cuts. Depending on your current business model, ask yourself the following questions:

  • Can you temporarily cut the staff’s commission and offer a different incentive?
  • Are there alternate and more affordable ways to ship your products?

Also, consider how you can change fixed costs into variable ones. For example, consider cutting computer and maintenance costs to save more.

Prioritize Generating Cash Over Turning Profit

Profit doesn’t always equate to positive cash flow. What you need is money right now, so speed plays a factor as well.

If you have already tackled cash flow strengthening tasks (e.g. cutting variable costs), it’s easy to adjust your profit-generating actions toward cash-generating goals. Consider the follow cash-generating strategies:

  • Repackaging services or products for a consumer market. Many products reach consumers via a middleman or sold to businesses with office spaces. Encourage marketers to unleash their rebranding creativity and create a simple landing page to get your products in front of customers.
  • Offer exclusive discounts to customers. Acquiring new customers is more expensive than keeping the ones you have. Keep in mind that your current customers are bursting with pent-up demand. If you offer the right discounts with a compelling ‘exclusive’ message, you can boost sales and generate immediate cash.

Probably Wants to Help Your Business Not Only Survive – but Thrive!

The pandemic may have challenged the financial stability of your business, but there is no storm you can’t weather. Proper planning, budgeting, and strategizing can keep your business afloat until the time it’s “business as usual” again.

If you need assistance with your finances, Probably Yes is at your service. Call us today to learn more about our small business loans.


Working Capital Loans for Businesses with Bad Credit

Cash flow in any business is a big deal, but your working capital gives you the financial capability to handle one-off emergencies. When a piece of equipment breaks, when there’s a sudden shortage in supplies, or when you take on a new business endeavor, you need access to money that won’t affect your bottom line. This is why owners of many small businesses apply for working capital loans.

But how do you get a loan for your business when you have bad credit?

When your credit score falls under the “fair” to “poor” credit rating system, lenders will classify you as a risky client and reject your loan applications. But this doesn’t mean you are out of options. There are other types of business loans available to you, regardless of your credit score.

Working Capital Loans for Businesses with Bad Credit

There are lending options that don’t require a high credit score. Some lenders are more understanding of the causes of bad ratings, especially in business.

Line of Credit

This is considered one of the most popular working capital loans. When you apply for a line of credit, the lender will define the amount you can access. You will be given a repayment plan that indicates when to make payments and how much interest will be charged down the line.


Also known as factoring receivables, this type of loan uses your unpaid customer invoices as collateral. Although you retain legal ownership over the outstanding invoices, failure to keep up with repayments gives the lender the right to take over.


Micro-lending is a type of peer-to-peer financing model where you approach individuals instead of financial institutions for loans. More businesses are applying for this type of loan, but it presents several risks to borrowers, including higher interest rates and longer application periods.

Online Business Loans

The digital landscape has created a new environment where individual lenders are more accessible. Most online lenders will look at your business performance rather than your credit score, making it easier to apply for a loan.

Merchant Cash Advance

This isn’t a loan in the technical sense, but it acts similarly to one. In this financing model, the lender looks at daily credit card receipts to determine if a business can pay back funds in a timely manner. Basically, a small business “sells” a portion of future credit card sales to acquire capital immediately. Most cash advances require daily or weekly repayments.

Probably: Your Financing Partner in Business

Business loans for bad credit exist, but you have to find the right lender to apply for one. Probably understands the struggles small businesses face when applying for loans and we believe every business deserves access to capital.

We have a three-step process for our business loans:
  • First, you need to fill out our online application form.
  • We will then contact you to discuss your business, its needs, and the appropriate financial plan for it.
  • Once we’ve approved your application, you can get your funding as soon as possible.
probably loan options

Get in touch with us to learn more about our financing options for small businesses with great, good, average, even bad credit!


What Makes the Best Small Business Loans for Startups

At Probably, we believe cash flow shouldn’t keep you from reaching your business goals – no matter the size of your business or its age. Small business loans and startup loans through Probably are meant to give you the freedom to grow your business the way you want.

Our customers can use their small business loans to invest in equipment, bridge gaps in payroll, new developments, marketing, expansions, and more. Unlike traditional big bank lenders, we want to help you grow your business faster without all the hoops to jump through. That’s why we offer quick small business loans and alternative business funding solutions for startups, expansions, as well as small and medium businesses.

Learn about how we’re different, and how we put you first with our easy application, our speed and communication, and our approval ratings!

Our Easy Application:

No endless hours of signing your name here! Probably made the conscious decision to be an easier and better small business loan option, and we started it by making our small business loan application just one page.

That’s right, one page. Our application can be filled out in just a couple of minutes. Then, we will contact you to get to know your business needs and how we can best help you.

Just fill out our application, speak with one of our team members, and be on your way to the small business loan you need. Short, simple, and sweet, just like we think it should be. Every step of our process was created to make applying for a small business loan simple, transparent, and accessible. Because we believe that simplicity and clarity are the best practices in any industry, but especially when it comes to your money and your business.

1. Fill out our online 1-page application.

2. Provide three months of your business’s bank statements

[Not 6-18 months like most big banks require]

3. Talk with us so we can get to know you and your business.

Our Speedy Credit Decisions:

Probably has always worked hard to be a fast and reliable option for small business loans.

After all, what’s the point in waiting weeks or months for a credit decision or your business funding when you need it now? Instead of the runaround and waiting game, Probably can fund your business in as little as one business day!

We didn’t just come by our reputation of providing quick small business loans by accident. Our credit decisions are always rendered quickly, so you can get the working capital you need when you actually need it.

What good is a small business loan if it comes too late?

Our Credit Decisions & Approvals:

We want to partner with you and your small business to find the perfect loan or financing products for your funding needs. Whether you need a working capital bridge loan or something more unique for equipment or expansion, our small business loans can get you the working capital you need with much higher approval rates than the ‘big banks.’

Banks often refuse to help small businesses and startups, or they say they will help but have such lengthy, complicated processes and applications that they still really aren’t trying to help.

We decided to offer small business loans and financing options that actually work for small businesses.

We want to drive small business growth through our small business loans, startup loans, and working capital loans, and that means we want to approve your request! Unlike banks who refuse most applications, we pride ourselves on working with every application, business, and client on an individual basis to find the best financial product, service, or option that will work for them.

Contact Probably for Your Small Business Loan or Startup Loan Today!

If you need working capital or a small business loan quickly, and you don’t want to spend a whole workday filling out paperwork just to get denied, then contact Probably for your small business loan today!


When to Use a Working Capital Loan for Your Business

Odds are, your competitors are probably already using a working capital loan to help them succeed or bridge thin pay periods, especially during COVID-19.

Nowadays, achieving business success takes more than a plan and working hard – current events, economic trends, and seasonality play a large role as well. And even if you do everything right, you may still find yourself just shy of the working capital needed for a few short-term bills.

But even these complex working capital problems can have a simple solution: a short term working capital loan or ‘bridge loan.’

Working Capital Loans

A working capital loan is a short-term loan used by businesses for financing immediate obligations or needs. These loans allow the borrower to meet their current financial obligations by getting the working capital they need quickly for payroll, taxes, rent, or more inventory for large orders or busy seasons.

Working capital loans are considered ‘short-term’ loans because they are usually only up to one year. These loans are shorter because they are meant to bridge a (short-term) financial gap, not a long-term need like building loans or expansions. Large corporations and small businesses can benefit from working capital loans because everyone may need an advance of funds at specific points throughout the year.

Working capital loans are also fast options that can give a business immediate working capital, without the typical weeks or months of waiting time.

When to Use a Working Capital Loan

Purchase Additional Inventory

Additional inventory might be needed when you don’t quite have the working capital on-hand for a busy period you know is coming up! If you get a large order but don’t have the means to buy the initial products needed to fulfill that order, you could miss out on a huge sale or job. Use a Probably small business working capital loan to bridge the gap and get your inventory or additional products today!

Assistance with Payroll

When you need capital for payroll, speed matters. Your employees depend on your payroll, and you depend on your employees to show up. Luckily, you can also count on Probably to get you the capital you need quickly to make your payroll due dates without any gaps or hiccups for your workers. After all, the most critical part of your business is the workers!

Invest in Business Improvements & Equipment

Buying new equipment can be a considerable investment, but sometimes you need to spend money to make money. For example, if you need working capital to buy a screen printer to get your business off the ground, then you’ll be spending money with the knowledge that it will ultimately bring in money as well.

Probably knows that every industry, from restaurants to medical, require equipment to do their jobs – and we are happy to help fund the equipment you need to succeed.

Pay Taxes & Other Fees

Sometimes periodic fees pop up when you least expect them, and sometimes quarterlies add up faster than you planned. Using a working capital loan’s quick and straightforward solution can help pay for these surprises as you make a longer-term plan.

Invest in Marketing & Advertising

Marketing can be expensive, and if your marketing efforts need to be bumped up during certain times of the year, it can have an enormous impact on your budget. But this is another area where you have to spend money first, in order to make money later on. Make sure you can get the working capital you need for a killer campaign – even if the bills come before your busy season spikes.

General Help with Daily Cash Flow

All small businesses have slow and busy periods, but that doesn’t mean your bills will line up with them. Sometimes an account comes just a few days or weeks too early, right before a big sale or your busy season. Sometimes a repair comes up earlier than expected, or another need has to be dealt with immediately, even if your next influx of cash is weeks away.

Use a working capital loan to help with your general cash flow at any time of the year to bridge the gap between what you have to pay now and what you’ll be making later.

Do These Business Scenarios Seem Familiar? Contact Probably for a Working Capital Loan on Your Terms!


Our Small Business Financing Options

Probably works hard to help small businesses finance their operations, expansions, and success! We offer a wide array of small business financing options – but our three most popular are our working capital loans, merchant cash advances, and equipment financing.

Let’s look into each so that you can feel confident in your small business financing choice! Of course, if you still have questions, reach out to our knowledgeable team to learn which of our small business financing options is the right fit for you.

Working Capital Loans

A working capital loan is a loan for your small business’ everyday operations. That means these loans have shorter terms and are not used as prolonged investment funding. Think of these loans as ‘bridge loans’ to help you bridge the gap between paydays, large orders, or an influx of working capital.

Working capital loans are often used for payroll, equipment, taxes, marketing, rent, or debt payments when your business’ next payday is still a few days away. Seasonal businesses might need working capital loans to bridge the gaps when they are prepping for their busy seasons.

All small businesses have slow and busy periods, but that doesn’t mean your bills won’t continue to pile up. Use a working capital loan to help with your cash flow at any time of the month or year.

Merchant Cash Advances

A merchant cash advance (MCA) isn’t a loan but a cash advance based on your business’ credit card sales. You can apply for a merchant cash advance and have your funds deposited into your business checking account quickly, making it an excellent option for fast funding.

Our merchant cash advance looks at your daily credit card receivables more than your business or personal credit to determine approval. This means even a small business with lower credit scores or a new business without a long credit history can be approved.

While a merchant cash advance might make sense for a small business that needs cash quickly and doesn’t have a long (or high) credit history, it is essential to make sure you understand the term-limit, interest rates, and any holdback.

Ask your Probably agent to explain this small business financing option to you – as clarity and transparency are two of our core values!

Equipment Financing

Our equipment finance services can help your small business acquire new or used equipment without emptying your bank account. When you lease a piece of equipment, you’re essentially renting it while making payments for the duration of the lease agreement. Our equipment financing not only gives ownership of the equipment to your business but the equipment also usually serves as collateral for the loan.

We know that equipment is essential to keeping many businesses going, and if you use large equipment, or need multiples, it can tie up a large amount of your working capital or credit. Whether your business has one or several equipment needs, equipment financing is a way to have that equipment right when you need it, even if you do not have the full cash on hand.

Choose an equipment finance company that works in your industry and understands your unique needs for the best results and approval rates – like Probably! We specialize in equipment financing for small businesses in multiple industries, and we can say ‘probably yes’ to your equipment needs.

Contact Probably for the Best Small Business Financing Option for You!

Most banks won’t even consider helping smaller or newer businesses but Probably wants to work with you to help you grow regardless of your age or credit history. That’s why we offer small business financing options that can work for anyone.

We think that every business deserves the chance to get the funding they need to succeed – and we’ve made our business out of believing in them!

Contact Probably today to learn more about our small business financing options and how they can work for you.


The Probably Process For Your Small Business Loan

Probably’s small business loans were born online, which means we understand the number of claims out there on the internet. Every website and alternative lender is saying they are the best, with the best rates, terms, and the simplest process – but then how can you know who to trust? They cannot all be the best choice for you and your small business loan needs.

But just because we began online, doesn’t mean we aren’t willing to show true, concrete proof of our superiority over other online business lenders out there. In fact, we’ll show you how simple our process is step-by-step.

Because plenty of companies say they are the best, but we want to prove it!

The Probably Process Couldn’t Be Easier!

We’re sure you’ve heard it all before ‘5-minute application’, ‘easy online application’, ‘simple process’, but our small business loan process is just three steps!

1. Click

Fill out our online application with just a few clicks

2. Call

Talk to us about your business and needs

3. Capital

Get you small business loan fast – in as little as one business day

Probably wants to make loans for small businesses simple, easy, and successful. We believe in clear, transparent small business loans for all. Which is why we keep our process transparent, our terms, repayment, even early repayment simple and transparent.

We know you have a business to run, so our application process was made to be fast and hassle-free, and credit decisions are rendered quickly – so you aren’t waiting for weeks just to be denied.

How Easy Is The Probably Application? See For Yourself!

Just Three Steps:

The Amount Required

A Little About You

A Little About Your Business

And You’re Well On Your Way to Your Small Business Loan!

We Want to Be a Better Type of Lender & an Asset to Your Business

Simply apply online (or contact us by phone) to start the conversation and begin the discussion about your working capital or small business loan needs. We will review the overall health of your business with you and talk through your needs, timeline, amount, and more.

Once we have all of this information, we can identify the best solution or service, along with the best terms for your specific business needs. We make sure that even with our personalized process, we still render quick decisions to ensure our clients are never waiting on us!

After your application is submitted along with 3-month bank statements (not 6+ like big banks require), then your application is approved, you accept the agreed upon terms, and your funds are delivered!

It truly is just click, call, capital!

Contact Probably for Your Small Business Loan Today!

If you need working capital or a small business loan fast, and you don’t want to wade through piles of paperwork just to get denied by the big banks, then contact Probably for your loan today!

We look forward to working with you and helping your business grow!


Cash Flow 101 – How to Understand Cash Flow Statements

Cash flow statements are financial statements that show the cash in and cash out for a given company. And though this may sound quite simple, there are many confusing parts in this common business paperwork.

Cash flow statements, or CFS, measure how well a business is able to generate cash, as well as how much more they are making (cash in) than they are using (cash out). Cash flow statements are meant to show how a business is able to pay its debts and fund its operating costs and is an important supplementary document to a balance sheet and income statement. In addition, a business’ cash flow statement is a mandatory part of a business’s financial report.

Let’s go over cash flow 101 and exactly how to interpret cash flow statements!

Cash Flow Statement 101

One use of your cash flow statement is to give investors a simple way to understand how your business is running, where your money is coming from, and where your money is going.

The second use of your cash flow statement is for creditors, who use your CFS to determine how much cash your company has to fund its needs and pay its debts.

This means your cash flow statement is used by both investors and creditors to judge the financial footing and viability of your business.

Cash Flow Statements Show:

  • How a business manages its cash or cash equivalents
  • How a business generates its cash or cash equivalents
  • How a business spends its cash or cash equivalents

Components of Cash Flow Statements:

Cash from Operating Activities

The operating activities on your cash flow statement reflect how much cash is directly generated from your products or services. This means accounts receivable, depreciation, inventory, and accounts payable are reflected in your operating activities section as well.

Cash from Investing Activities

Investing activities include all sources and uses of cash from your business’s investments, such as the purchase or sale of an asset, loans made to vendors, received from customers or payments related to a merger or acquisition.

Cash from Financing Activities

Cash from financing activities may include sources of cash from investors, loan companies, or banks. Dividend payments, stock repurchases, and the repayment of loans are all included in this category. These changes can be cash in when you receive financing, and cash out when you make loan payments.

Cash Flow Statements VS Balance Sheets

Your cash flow statement is distinct from your income statement or balance sheet because it never includes your future incoming or outgoing cash on credit. It is important to remember that cash is not the same as your business’s net income, which includes cash sales and sales made on credit. This of your cash flow statement as just that – only showing cold, hard cash.

Cash Flow Statement Summary

A cash flow statement measures your business’s strength, profitability, and the potential long-term future for your company – so it is not just important, but vital to understand!

Your CFS can help determine whether your company has enough cash to pay its expenses and ultimately, stay in business. In addition, your company can use your cash flow statement to predict future cash flow and create an accurate and viable budget.

By studying and understanding your own cash flow statement, you (or a creditor or investor) can get a clear picture of how much cash your business generates and get a better understanding of your financial strength for the future.

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