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Put a working capital loan to work for your business.

✔ Get up to $250,000
✔ 3 to 24 month terms
✔ No collateral needed
✔ All credit considered
✔ Cash provided in just days

A working capital loan offers speed and convenience.

When times get tough, borrowing becomes necessary. A working capital loan from Balboa Capital is a short-term loan that can be used to, well, keep your business working. Let’s say you are suddenly in a cash-flow crunch and don’t have enough capital for rent, payroll, suppliers, or seasonal inventory. You can get a working capital loan quickly and easily to cover these and many other operational costs. This is welcome news if you need fast cash or were told “no” by your bank after applying for a loan.

A working capital loan is similar to a conventional loan in that you borrow money and pay it back along with interest. The big difference? Working capital loans have shorter loan amounts and repayment periods. At Balboa Capital, we can get you a loan of up to $250,000 with fixed payments over 3 to 24 months. A short-term loan is easier to budget for, and you won’t have to worry about making payments long into the future. To get started, use our free loan calculator, and then submit a simple working capital loan application.

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Boost your credit score.

“It takes money to make money” is an old and well-known business quote, but it still holds true today. In order to get loans and credit lines to help your company grow and become profitable, you need a good credit score. Dun and Bradstreet evaluates and measures your company’s risk using the well-known Paydex score. Securing a working capital loan and paying it off on time is a great way to boost your credit score.

Get working capital in 3 easy steps.

Apply online

You can complete our simple loan application from your computer or mobile device. No need to leave your office or look for financial statements.

Get approved

Our automated process allows us to provide you with a decision right away. You won’t wait long to find out how much you might qualify for.

Receive funds

Once your loan application is approved, you will receive the funds in just a few days. You can put it to use right away with no restrictions whatsoever.

What you need to qualify.

Working capital loans from Balboa Capital are easy to qualify for if you have decent credit and your company has been operating for at least one year. Our other main requirement is that you generate $300,000 or more in annual revenue. The amount of paperwork is minimal, and you won’t need to put up any of your assets as collateral. Once you are approved and we have all the necessary documents, you won’t have to wait long to get your funds. A working capital loan has a much faster funding time than a standard bank loan.

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Use your cash however you want.

Pay suppliers

Fill those big orders and pay for them on time.

Business expansion

Expand your company to accommodate growth.

Employee payroll

Your employees are invaluable. Pay them on time.

Marketing efforts

Launch a website, direct mail campaign, and more.


Stock up to meet demand and avoid losing sales.

Business taxes

Pay your taxes on time to avoid late fees.

Whitepaper: How technology is changing small business lending.

Download this free Balboa Capital whitepaper to learn how online technology is transforming the way small businesses acquire funding needed for growth. This whitepaper features an overview of the current online lending market, descriptions of popular alternative loan products, and much more.

technology lending whitepaper balboa capital
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Why choose Balboa Capital for a working capital loan?

When looking at direct lenders, doing your homework is always a good idea. You want a reputable company that specializes in short-term loans, and that has positive customer ratings online. Balboa Capital has an entire team of working capital experts that works with companies like yours throughout the United States. Finally, we are fully accredited by the Better Business Bureau (BBB).

Ready to get a working capital loan?