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CMS Funding Blog

Business Credit Cards vs. Working Capital Loans: What’s the Difference?

Posted by Alan Brown on Mar 20, 2019 5:03:26 PM

 

At some point, most small businesses use some type of financing to either cover expenses during down periods or to fuel growth during periods of expansion. Two common options favored by small business owners are business credit cards and working capital loans. Find out the difference between the two so you can make an informed decision the next time you need an injection of capital.

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Topics: Working Capital Loan, Credit Card Alternatives, Working Capital Needs, Credit Cards, Business Credit Cards

Construction Company Owners: Grow Your Business With More Working Capital

Posted by Alan Brown on Mar 4, 2019 4:33:39 PM

 

Going about your “business as usual” isn’t going to inject any growth into your current construction business. To really focus on expanding, you have to think outside the box and figure out the most effective ways to elevate your company. What could you accomplish with some extra working capital? Here are a few ideas to get the ball rolling.

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

How Much Working Capital Do You Need to Start an E-commerce Business?

Posted by Alan Brown on Feb 21, 2019 5:23:21 PM

 

An e-commerce business can be an excellent alternative to selling products in a brick and mortar store. But even with lower startup and overhead costs, you still need to be realistic with your working capital estimates. Here are a few strategies to successfully start your e-commerce business without needing a ton of up-front working capital.

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

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 Management, Working Capital Needs, Small Business Management, Working Capital Strategy

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

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

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

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

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

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

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