Better to Have Access to Capital and Not Need It Than Need It and Not Have It

Here’s How to Get Ready with a Working Capital Loan

Most businesses don’t fail because they lack a great product. They fail because they run out of cash at the wrong time.

The difference between businesses that weather the storm—and those that don’t—often comes down to one thing:

"It’s better to have access to capital and not need it than to need access and not have it."

That’s why working capital loans exist—and why you should consider setting one up before you're in a bind.

What Are Working Capital Loans?

Working capital loans give businesses fast access to short-term funding. They’re designed to help cover:

• Day-to-day operations

• Inventory purchases

• Payroll

• Seasonal dips

• Marketing pushes

• Unforeseen expenses

Unlike long-term loans that fund big expansions or real estate, working capital loans help you keep things moving.

Why Prepare Now—Not Later

When you're in good standing—with decent revenue and consistent sales—you’re more likely to qualify:

• Faster approvals

• Lower rates

• Higher limits

• Flexible repayment

But once you hit a cash crunch, your profile weakens, and lenders get cautious. The result? Delays, declines, and bad terms.

How to Get Ready in 3 Simple Steps

1. Know Your Monthly Revenue Most lenders look for $10K–$40K+ in consistent monthly revenue.

2. Organize Your Docs Have 3–6 months of bank statements ready. Bonus points for P&L or tax returns.

3. Use a Funding Platform (Not Just a Bank) At Funding Fixed, we match you with 80+ lenders based on your real profile—not just your credit score.

Use Case: Funding Before the Slow Season

A service-based business came to us in Q3, just ahead of their annual slow period. We helped them set up a $75K working capital loan with 12-month terms. No collateral. Revenue-based approval.

They kept operations running, avoided layoffs, and hit Q1 with momentum.

That’s the power of preparing before the pressure hits.

What now?

If you're asking, “Do I really need funding right now?”—you might be asking the wrong question.

Instead, ask:

“If I needed funding tomorrow, would I be ready?”

At Funding Fixed, we help you make sure the answer is yes.

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