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Working capital loans for cross-border cash flow
Short-term USD funding to cover supplier payments, payroll and seasonal gaps while you wait for customers to pay.
What this financing is and how we arrange it
Working capital finance keeps a business running between paying costs and collecting revenue. It is usually shorter and smaller than a term loan. We help business owners prepare applications and connect with independent lenders that lend across borders, with expert advice to improve your chances of approval.
If the purpose is buying a machine, an asset-backed route such as equipment financing is normally a better match.
When it fits
- Importers and exporters that pay suppliers weeks before customers pay them
- Seasonal businesses stocking up ahead of a peak
- Service companies covering payroll while invoices are outstanding
- Companies that need to move quickly on a bulk-purchase discount
What lenders typically ask for
- Three to six months of business bank statements
- A list of major customers or an ageing report for unpaid invoices
- Business registration documents and proof of address
- ID for directors and key owners
An illustration
A distributor invoices customers on 60-day terms but pays its supplier in 30 days. It borrows USD 50,000 for roughly two months to bridge the gap. Lenders will focus on how reliably customers pay, so we help assemble invoices and statements before introducing the company.
For illustration only. This is not an offer, rate or quote.
How it compares
Working capital is repaid quickly and priced for short use, whereas a small business loan spreads repayments over a longer term. Marketplace sellers can compare ecommerce loans, which are tied to platform sales.
As a small business owner, finding financing that fits my needs was a challenge until I came across JP Lending. Their online business loans are exactly what I needed to grow my business globally. The terms were flexible, and the process was faster than I expected!
Frequently asked questions
How long is a typical working capital facility?
It varies by lender, but these facilities are usually shorter than term loans. The lender states the term in its offer.
Can I borrow if my revenue is seasonal?
Yes, many lenders look at the full year. Include 12 months of statements if you have them so the seasonal pattern is clear.
How fast is funding?
Funding is instant once the lender has approved your application and the agreement has been signed.
Related financing options
Small business loans
A lump sum for stock, payroll or marketing, repaid over an agreed term.
Loan typeEquipment financing
Finance for machinery, vehicles and technology, often secured on the asset.
Loan typeMulti-currency business loans
Borrowing in USD against local-currency revenue: managing the exchange risk.
Ready to apply for business funding?
Complete our online application in minutes. No upfront fees.