Working Capital Loans
Madison One CUSO helps you finance your day-to-day expenses today to ensure a stable future for your business.
Free Up Cash Flow With a Working Capital Loan
Whether your business is brand new or stuck in a volatile sales cycle, it can be challenging to keep up with everyday expenses. After covering biweekly paychecks and rising utility bills, you may not have enough remaining capital to cover vendor invoices and lease payments. While cutting back may work for a few months, you may need extra assistance to get out of this period of uncertainty.
With a working capital loan from Madison One CUSO, you can secure financing to cover operational costs and use your increased cash flow to invest in your business. Unlike other working capital financing options, our government-guaranteed loans offer:
- Amortization with extended term lengths: Government loans offer attractive repayment terms for working capital loans, including low amortized monthly payments over a longer period than other loan options.
- Flexible collateral requirements: Some of our loan options don’t require real estate collateral, allowing businesses with limited assets to obtain the funding they need.
- High loan amounts: Our SBA and USDA loan products can provide generous funding to borrowers, ranging from $5–$40 million.
SBA 7(a) Working Capital Loans For Small Businesses
Whether you need a working capital loan for your startup or existing small business, the SBA 7(a) program can provide up to $5 million over a 10-year loan period. Nearly any small, for-profit business can qualify for this small business loan as long as it has exhausted other financial resources.
USDA Working Capital Loan Options
The USDA offers two types of working capital loans to stimulate rural development. Rural entities and startups may be able to obtain up to $25 million from the B&I program. The Food Supply Chain Guaranteed Loan Program also offers up to $40 million in working capital funds for any business in the food supply industry.
Discover if You Qualify For a Working Capital Loan
If you need working capital now, you don’t have time to waste speaking to inexperienced lenders. In a 15-minute phone call, Madison One CUSO can determine if you qualify for a USDA or SBA loan and begin structuring your financing agreement.
Why Choose Madison One CUSO as Your Working Capital Loan Partner?
Finding a loan that covers your operational expenses today without straining your financial situation tomorrow can be challenging. However, with Madison One CUSO, you can feel confident that you received the most favorable loan terms to protect your business now and in the future.
Competitive Working Capital Loan Rates
As a Credit Union Service Organization, we have two go-to lending partners that can offer some of the most competitive rates for our business partners. Additionally, we can work with any third-party credit union or bank to ensure you get the appropriate loan amount to meet your working capital needs.
Loan Options for Any Industry
Madison One CUSO isn’t limited to one state, region, or industry. Our team can serve any business or entity in the U.S., from a manufacturing company in Nevada to a marina in Florida. We work with your state offices to expedite your loan application process and ensure the highest chances of success.
Government Lending Expertise
Our team has decades of combined experience structuring and closing government-guaranteed loans—and a track record to prove it. We have closed over 200 loans averaging $3 million for working capital, commercial construction, mortgages, equipment financing, business acquisitions, and more.
Contact Our Working Capital Loan Experts
