Working Capital Loans 101

Probably’s working capital loans are meant to help businesses reach their goals because we believe that cash flow should never hold you back. But with over 45% of small business loan applications being rejected, many businesses get stuck with their second or third choice, meaning subpar lenders, shorter terms, and higher rates.

Our working capital loans give you the freedom to choose the best loan with everything you need to help your business grow! Our customers use their working capital loans to invest in their business’s short term needs and to ensure they can weather any storm.

Probably wants to help you grow your business faster and succeed. Learn everything you need to know about working capital loans here!

What Are Working Capital Loans?

Working capital loans are loans that can help businesses finance their everyday operational needs. From purchasing additional inventory, to assistance with payroll, investing in new, small equipment, paying taxes or other fees, rent, marketing efforts, or just general cash flow hurdles, working capital loans are meant to bridge the gap between what your business needs right now and what it currently has.

Working capital loans are usually short term, not multi-year loans, however, that doesn’t mean you can’t still get a great solution that works with your seasonal and industry needs. In fact, Probably offers repayment terms of up to 18 months for our working capital loans, instead of the industry standard of 12 months or less.

How Working Capital Loans Work

Sometimes bills fall just a few days too early, or you need more inventory to fill a large order. Maybe your payroll is due before your outstanding invoices have been paid. When schedules don’t quite work out, that’s when a working capital loan can greatly help you meet your business needs.

If a business does not have enough cash on hand to cover day-to-day or weekly operational expenses, then looking into a working capital loan might be the solution. But it’s good to understand the process and the best lenders before you ever need a loan. That way you can make a quick yet informed decision and get your funds sooner.

Just like many loan forms, a working capital loan includes three steps: application, funding, and repayment.

First, you will apply for your working capital loan, which with Probably, is a simple and streamlined process. Next, you will receive your working capital in as little as one business day. And finally, you will repay your working capital loan according to the terms and rates you agree upon.

Though this process sounds simple, many lenders bog it down with additional paperwork, wait time, and confusing terms. Make sure you choose a working capital loan that works for you, and a lender who is willing to partner with you, be clear, and be flexible.

Benefits of Working Capital Loans

One of the main pros of a working capital loan is that it requires less paperwork and is faster in most cases than a loan through traditional lenders. This is helpful if you are using it to bridge any capital gaps in your day-to-day or weekly operational needs.

Additionally, usually, working capital loans are a form of debt financing that doesn’t require an equity transaction, so you still have full control of your business. Furthermore, working capital loans do not require any collateral, called ‘unsecured’ loans, and are in the business name.

Working capital loans with Probably are based on your current business performance, not years of credit history, and your on-time payments with Probably help build your business credit.

Contact Probably Today for Your Working Capital Loan & Get The Business Funds You Need Sooner!

Ultimately, a working capital loan is a great choice for bridging the gap between operational and day-to-day needs, but only if it is through a great lender.

Contact Probably today to get started on your working capital loan.


Fast Small Business Loans | The Probably Difference

Probably provides fast small business loans to help your business grow and make your goals a reality! We make small business loans fast, easy, and simple with our clear application process, flexible options, and quick access to the funds you need.

We listen to our customers to truly understand your goals and strengthen your business with convenient access to capital. Because at Probably, we want to say yes – and we probably will!

The Probably Difference

Fast Funds

Probably works hard to move quickly and provide you with the best working capital loans, so you can invest and grow your small business.

We don’t see the point in having to wait weeks or even months for the funds you need now. That’s why we try to get you the funds right when your business needs them, often in as little as one business day!

Flexible Options

Probably truly partners with you to find the perfect loan for your small business or startup. Whether you need a little or a lot, our business loans deliver the working capital you need.

We want to see small businesses grow and succeed, and we want to be right along with you for the journey! Our flexible options, repayment terms, and early repayment discounts are meant to be an asset – saving you money and hassle!

Simple Process

We make sure to keep our loan applications simple, clear, and easy!

We don’t want to win business by tricking or confusing our clients with lengthy processes or mountains of paperwork – instead, we want to communicate clearly from start to finish. Because we think simplicity and clarity are the best practices.


Probably isn’t just the best option because we listen, or because we are fast, or even because our process is simple. Our transparency also sets us far apart.

When most traditional lenders refuse, we will work with you to help you grow – because at Probably, it’s probably a yes! We will never over-promise just to under-deliver on your expectations. Probably wants to build long-lasting relationships with our clients and be there for the long run to grow beside you.

We promise to work closely with you to select the program that best fits your business or industry’s specific needs. This includes reviewing your budget, projections, transparently, and openly discussing how we can best help you grow your business.

We succeed when small businesses succeed!

Fast Small Business Loans For Funding at the Speed of Now From Probably

Probably can get you the capital your small business needs in as little as 24 hours – that’s fast by any standard. You can have up to $500,000 in one business day, helping your business gain the financing and funds you need right when you need it!

We are named Probably because we can almost certainly help you get the fast small business loan you need. Our only requirements? Fill out our simple, online 1-page application and provide 3 months of your business’s bank statements. Then, simply talk with us so we can get to know you and your business better. Apply online and one of Probably’s representatives will immediately give you a call.


The Probably Definitive Guide for Startup & Small Business Loans

Small business loans are anything but small to many businesses, as they can mean the difference between a new location, added inventory, and upgraded equipment – or cash flow and payroll issues.

Probably knows just how big a small business or startup loan can be, which is why we created our definitive guide for all the steps and most common questions you may have. From what startup and small business loans even are, to where you can get them, to how – we want to make the process simple, even if you don’t decide to partner with us.

What Are Startup or Small Business Loans?

A business startup loan is a form of financing that helps new businesses fund their needs. This could be anything from working capital, equipment, supplies and inventory, even building fees or rent. New businesses, or startups, often have more trouble getting loans due to their short history and the fact that many traditional lenders consider them too risky.

A small business loan is much the same as a startup loan, however, even if a small business has a steady history, many traditional lenders can still see them as risky, especially if their revenue is not high.

Probably believes that cash flow shouldn’t keep you from reaching your small business or startup goals. That’s why our business loans give you the freedom to grow your business the way you want with the capital you need. We want to help you grow your business faster, which is why we offer quick and clear small business loans.

Where Can I Get a Small Business or Startup Loan?

If you are searching for small business loans or startup loans, you have probably already realized that there seem to be endless options. However, here are a few of the most common ways you can procure your business funding.

Of course, you could also have wade through all the red tape of trying to get a business loan from a traditional lender or bank, but even if you do everything right, you could still have your application denied. Which is where Probably comes in. We make our process of securing financing simple, clear, and fast!

How Do I Apply for Small Business or Startup Loans?

The Probably process couldn’t be easier, just click to fill out our simple online application, talk to us so we can understand your business and needs, and then get your funding fast – in as little as one business day.

Unfortunately, not all application processes for small business loans are as simple as Probably’s. In fact, they are usually quite lengthy, difficult, and require a lot of documentation.

Even after you submit your application and show all the documents required, you will probably have to be patient, as many traditional lenders and banks do not have a quick turnaround. Be sure that you’re aware of the wait time before you begin any application process. Or, you could utilize Probably and have your business funding in as little as one business day!

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

Probably saw a problem with small business funding and financing – and we decided to do something about it. We saw too often banks refusing to help or having such long, rigid, and complex processes, that they really weren’t helping at all, even if they did offer startup or small business loans.

Probably knows that running a small business is difficult, and expensive, and taking a leap of faith on your dream startup is a huge undertaking. This is exactly why we want to do everything we can to make it easier for you.

Contact us today or apply today! We can’t wait to partner with you, your business, and help your business succeed.