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CMS Funding Blog

How a Lack of Working Capital Can Hurt Your Company

Posted by Alan Brown on Jan 9, 2019 12:37:07 PM

 

Working capital is the lifeblood of any small business. If your liabilities outweigh your assets (or come pretty close to it), then your working capital is either non-existent or extremely limited. A loan designed specifically to inject working capital into your business can help you overcome a number of potential obstacles.

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Topics: Working Capital Loan, Working Capital Strategy, Working Capital Needs, Working Capital Management, Small Business Management

Working Capital: Is an Aggressive or Conservative Strategy Right for Your Business?

Posted by Alan Brown on Dec 26, 2018 2:32:15 PM

 

Managing your small business’s working capital is a delicate balancing act. A more aggressive strategy involves spending more in order to make more. A conservative approach, on the other hand, requires you to save working capital in order to lower your risk. Which one is best for your company? Keep reading to find out!

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Topics: Working Capital Needs, Working Capital Strategy, Working Capital Management, Working Capital Loans, Business Management

Do You Need Collateral for Your Working Capital Loan?

Posted by Alan Brown on Dec 21, 2018 4:15:15 PM

 

Gone are the days of small businesses only having the option to work with brick and mortar financial institutions with tight lending habits and slow turn around times. Rather than having to put up company or personal assets as collateral on a working capital loan, many online lenders like us offer loan terms that actually work for the borrower.

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Topics: Unsecured Working Capital Loan, Unsecured Business Loans, Collateral, Working Capital Loans, Working Capital Needs

Short-Term vs. Long-Term Working Capital Loans

Posted by Alan Brown on Dec 11, 2018 5:17:11 PM

 

The biggest difference between short-term and long-term working capital loans is the repayment term. The best loan for your small business depends on your income stream, what you intend to use it for, and when you expect you would be able to pay back the loan in full.

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Topics: Short Term Working Capital, Long Term Working Capital, Working Capital Loans, Working Capital Needs, Unsecured Business Loans

How to Figure Out Working Capital Needs for Your Business

Posted by Alan Brown on Dec 4, 2018 5:16:57 PM

 

Working capital offers protection to small businesses so you can ensure the continuance of your business operations. Whether you’re trying to weather a financial storm or wanting to take on a large order, it’s important to figure out how much money to borrow through a working capital loan. Here are a few steps you can take to get an accurate understanding of your business needs.

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Topics: Working Capital Management, Working Capital Needs, What Is Working Capital, Working Capital Loan, Unsecured Working Capital Loan, Small Business Management

When Refinancing Debt Can Help Your Working Capital

Posted by Alan Brown on Nov 27, 2018 10:47:56 AM

 

Managing your working capital should be at the forefront of any small business owners’ mind. If you have any kind of debt associated with your company, it’s a good idea to periodically consider refinancing. There are a few different ways refinancing can benefit your bottom line, so let’s take a look at each one.

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Topics: Debt Refinancing, Working Capital Needs, Working Capital Loans, Unsecured Working Capital Loan, Small Business Management

Can a Microloan Help With Working Capital?

Posted by Alan Brown on Oct 25, 2018 5:19:11 PM

 

As a small business owner, you understand the importance of having enough working capital on hand to stay afloat during tight seasons and thrive during periods of growth. One type of working capital financing has become increasingly popular: the microloan. Find out what it is and how you can utilize this helpful resource to fortify your business’s cash flow needs.

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Topics: Microloan, Working Capital Loan, Unsecured Working Capital Loan, Working Capital Needs, Working Capital Management, Small Business Management

Merchant Cash Advances: Pros and Cons for Working Capital

Posted by Alan Brown on Oct 9, 2018 5:31:51 PM

 

Sales-based businesses may consider a merchant cash advance when an infusion of working capital is needed. You’ll receive a lump sum upfront in exchange for an agreed-upon share of future sales that come from debit or credit cards. This kind of short-term financing typically lasts between 6 and 12 months. Is it right for you? Let’s learn more about the pros and cons.

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Topics: merchant cash advance, Working Capital Needs, Working Capital Loans, Small Business Management, Small Business Growth

Seasonal Businesses: How to Persevere All Year Long

Posted by Alan Brown on Aug 16, 2018 4:25:18 PM

 

Seasonal businesses fulfill unique needs for customers, but it can be tricky to survive your off-season if you don’t plan ahead well. From lawn care companies to Christmas businesses, these necessary industries can thrive year-round with just a bit of forethought and planning.

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Topics: Small Business Growth, Small Business Management, Working Capital Needs, Small Business Owner, Seasonal Businesses

5 Ways to Strengthen Your Working Capital Loan Application

Posted by Alan Brown on Jul 13, 2018 1:47:01 PM

 

Applying for a working capital loan doesn’t have to be a stressful situation. Even if you’re a small or mid-size company, you can easily position yourself to submit a compelling application. Follow these five simple steps the next time you apply for a working capital loan.

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Topics: Working Capital Loans, Working Capital Needs, Working Capital Application, Working Capital Management, Small Business Loan, Working Capital Loan

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