Working capitalGet working capital with an SBA loan.
SBA financing advisory & placement
Plan for inventory, payroll and the gap between doing the work and getting paid. We connect you with trusted partners who specialize in your financing range, with AWG advisory and placement for larger requests.
AWG Capital Advisory is not a lender. Financing is subject to lender underwriting and approval.
Start hereStart with your financing.
Tell us how much you need. We’ll connect you with the right financing path.
You work directly with our partner on referred requests. Financing of $500,000 and above, or an amount still to be determined, begins AWG’s assessment.
The financing decisionMatch the capital to the operating cycle.
The financing should match when costs arise, when customers pay and how the debt will be repaid.
Prepare for seasonal demand
Plan for inventory, payroll and other operating costs before the revenue arrives, including weaker periods between peaks.
Support a larger order or contract
Review the cash needed to perform the work, the customer’s payment timing and the margin available to repay the financing.
Fund operating growth
Assess hiring, inventory and other operating investments alongside the time needed for additional revenue to support the debt.
Through the credit lensIllustrative scenario
Growth can use cash before it produces it.
- The situation
- An established business has an opportunity to take on more work. Inventory and staffing costs would rise before customers pay their invoices.
- The credit question
- How much cash is needed, for how long, and can collections and operating earnings support repayment?
- AWG’s role
- For requests within AWG’s advisory scope, we would review cash flow and the operating plan before lender outreach. For a specialist-partner path, the partner assesses the request and guides its own financing process.
Find the cash gap before collections arrive
Hypothetical assumptions, not a completed AWG transaction, loan quote or eligibility decision.
Assume opening cash of $80,000 and a desired minimum cash buffer of $25,000. Outflows include all assumed scheduled business cash payments.
| Period | Collections | Cash outflows | Ending cash |
|---|---|---|---|
| Week 1 | $60,000 | $110,000 | $30,000 |
| Week 2 | $90,000 | $150,000 | -$30,000 |
| Week 3 | $160,000 | $120,000 | $10,000 |
| Week 4 | $180,000 | $140,000 | $50,000 |
Cash ends week four at $50,000, but falls to -$30,000 at week two. Reaching the desired buffer at that point requires $55,000 before any new financing costs.
Week-end balances can miss lower balances within a week. Test collection delays and repayment too; the modeled gap is not a recommended loan amount or an approval decision.
Client perspective
“Having the support of a trustworthy and highly capable advisor made the process a lot less stressful.”
FAQBefore you begin.
SBA 7(a) can support eligible working capital needs. The structure should match the cash cycle and repayment source. SBA 504 does not fund working capital.
Program references: SBA 7(a): working capital and WCP · SBA 504: use restrictions
What can SBA working capital financing cover?
Eligible operating needs can include inventory, payroll and other costs of running the business. The intended use, timing and source of repayment need to fit the selected program and the lender’s requirements.
Can I get an SBA loan for working capital?
SBA 7(a) can support eligible short- and long-term working capital needs. The operating business, use of funds, creditworthiness and repayment capacity need review. Start with the amount you need to find the appropriate AWG or specialist-partner path.
What does a business need to qualify for SBA working capital?
The business must operate for profit in the United States, meet SBA size and eligibility requirements, and demonstrate creditworthiness and an ability to repay. The lender also reviews the use of funds and whether suitable credit is available elsewhere. Specific programs can have additional requirements; the Working Capital Pilot requires at least 12 full months of operations and timely financial reporting.
Would I use a term loan or a line of credit?
That depends on the use and timing of the funds and the repayment source. SBA 7(a) includes term financing and certain line-of-credit programs, including the Working Capital Pilot for qualifying businesses. The lender assesses which structure and program fit the request.
Who will I work with for a request below $500,000?
We introduce a trusted specialist financing partner in the form, based on your request. AWG’s role is the introduction, and you work directly with the partner through its financing process. Requests of $500,000 and above, or an amount still to be determined, begin AWG’s assessment. Financing is subject to lender underwriting and approval.
Is AWG the lender?
AWG is an SBA financing advisor and placement firm. Smaller requests on this page are referred directly to a financing partner. For requests within our advisory scope, we assess the request, help develop the financing structure and identify suitable lenders. The lender makes the credit decision; financing is subject to approval.
Who pays AWG’s placement fee?
AWG may receive a referral fee from a financing partner. The partner sets and discloses its loan terms and fees. For financing placed through AWG’s advisory process, our placement fee is paid by the lender at closing; if applicable, any separate advisory scope and fee are agreed at the outset.
Does an inquiry or referral mean I’m approved?
No. An initial inquiry or partner introduction is not a credit approval or a commitment to lend. Financing is subject to lender underwriting, approval and applicable SBA requirements.