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Lending

Working Capital Lines of Credit

If you are a business owner who is looking to grow your business and need the most flexible kind of financing possible, then a working capital line of credit, or working capital loan, may be the ideal solution. There are just some instances where a fixed loan and the accompanying loan payments aren’t right for your business needs, which is where a revolving line of credit comes in.

FLEXIBLE WORKING CAPITAL SOLUTIONS

At CalPrivate Bank, we offer working capital loans in the form of a revolving line of credit, so you can take care of business expenses and take advantage of business opportunities as they come up. With a working capital line of credit, you can borrow from the loan, repay it, and then borrow again, up to the amount of the original loan. Taking out a line of credit with CalPrivate Bank is a cost-effective way to get the money you need at the time when you need it, and repay the loan when it’s convenient for you.

BENEFITS OF A WORKING CAPITAL LOAN

It can be said that in the world of business financing, a working capital loan in San Diego is like the gift that keeps on giving. Not only will you get funds to take care of essential business expenses, but you can also replenish your loan and keep drawing from it as needed. Some of the things business owners like about working lines of credit include:

 

  • Greater financial freedom
  • More flexibility to meet needs when they arise
  • Convenient capital when it’s needed
  • Increased monthly cash flow

REASONS TO APPLY FOR A REVOLVING LINE OF CREDIT

Having cash flow available when you need it is one of the main reasons business owners like the idea of working capital loans, but it isn’t the only one. Here are some ways you can use a revolving line of credit to benefit your business:

 

  • Take care of business operating expenses in a timely fashion
  • Fund seasonal changes in inventory and receivables
  • Take advantage of time-sensitive vendor discounts
  • Hire seasonal or temporary team members
  • Purchase new equipment when needed
  • Attend important tradeshows and conferences

WORKING TOGETHER WITH CALPRIVATE BANK

Clients who decide to work with CalPrivate Bank for their business financing needs soon realize that we offer a Distinctly Different™ banking experience. We are straightforward and direct, we have flexible rates and financing options, we cater to your unique needs, and we strive to form long-term relationships built on mutual trust. We will work to find creative alternatives to standard lending that enable you to reach your business goals now and into the future.

 

If you are interested in the prospect of getting a working capital loan in San Diego or the surrounding areas, don’t hesitate to get in touch with us today. We will happily explain the program to you and help you find the best financing option for your situation.