SMALL BUSINESS LOANS

Financing is an important part of every business journey.

Whether you are a first-time business owner or a serial entrepreneur, have limited credit history or stellar credit, have a banking partner or have been turned down for a bank loan, are an existing business or your business is pre-revenue, Working Solutions offers affordable loans, application assistance, and free business consulting to support your next step.

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Mercedes Hernandez, Bow N Arrow Clothing
Photo courtesy of Owner

Our loans have terms to meet the needs of
start-up and early-stage entrepreneurs:

AMOUNT

$5,000 to $100,000

TERM

3-year or
5-year

INTEREST

9% to 11%
fixed rate

No minimum revenue or credit score, & no collateral required

$50 fee
due upon application

$5 UCC filing fee
due at loan signing

5% closing fee
due at loan signing

Interest rate determined during application review

We know that credit scores don't tell the whole story, so we look at each business and entrepreneur as a whole and also consider industry experience, loan readiness, and other indicators of repayment ability when we review your application.

See our Eligibility Requirements

Application Process

Our application process is streamlined and accessible so you can get funded in as little as 2-6 weeks. Our team is here to support you each step of the way.

Apply in 3 steps:

Submit Loan Inquiry

1

Fill Out Application

2

Upload Documents

3

Take the First Step

Business Consulting

When you get a loan from Working Solutions, you are automatically enrolled in our exclusive Business Consulting Program, which gives you access to one-on-one advising to help your business thrive.

Kris & Kim Nations, Kim Nations
Photo courtesy of owner

Money

FINANCIAL STATEMENTS
CREDIT & TAXES

Management

RISK MITIGATION
RESOURCE MANAGEMENT

Marketing

BRANDING
DIGITAL MARKETING

Get the capital you need to compete.

Apply Today

Need Support?
Get in touch

Frequently Asked Questions

Loan Terms

Working Solutions makes loans from $5,000 up to $100,000. Loan amounts are determined after application review.
Working Solutions offers affordable, fixed interest rates from 9% to 11%. Interest rates are determined after application review. Loan terms are 3 years or 5 years. View our full terms here.
Loan funds can be used for business expenses, including but not limited to:
- Start-up costs;
- Working capital;
- Inventory purchases;
- Equipment and machinery purchases;
- Leasehold improvements; and
- Refinancing of Business Debt (specifically refinancing of high-cost or predatory business debt; additional documentation may be required to detail debt(s) when you apply).
To get a sense of how much your monthly loan payments will be, you can use this loan payment calculator. Official payment amounts will be determined once a loan is approved.
No, there is no penalty for prepayment of your loan.

Eligibility

To be eligible for a loan, you must:
- Be at least 18 years of age and have a minimum of 1 year of demonstrated same-industry experience;
- Be current on all debt, have no active liens or judgement, and not have declared bankruptcy within the last 12 months;
- Have a secondary source of income (if start-up); and
- Operate in our 19-county service area.
To view our complete eligibility requirements, including a list of eligible counties, visit our Terms & Eligibility page.
- Excluded industries include: nonprofits, cannabis, adult entertainment, real estate investment, lending, banking, and gambling.
- Restricted industries (which require additional review) include: hookah lounges, liquor sales and bars, and smoke shops.
Yes: Working Solutions serves U.S. citizens, permanent residents, and ITIN holders. Note that loans to ITIN holders follow the same lending guidelines, but additional documents may be requested.
Your credit score alone will not qualify or disqualify you for a loan, but it may impact the approved loan amount.