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Working Capital Loans

Quick cashflow solutions to optimize your business finances

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Our Working Capital Loans Keep You Moving

Working Capital Loans

At Ashani Business Capital, we specialize in providing factoring, cash advances, and various cash management options, all with rapid same-day and 24-hour funding opportunities designed to foster your business’s expansion and sustainability.

Why choose Ashani Business Capital

Personalized solutions

Whether you need funds to cover short-term expenses, invest in growth opportunities, or manage seasonal fluctuations, our working capital loans offer the financial flexibility you need to thrive.

Excellent customer service

Our team of experienced financial experts takes the time to understand your business goals, challenges, and financial needs, ensuring that we provide tailored solutions that align with your objectives.

Fast loan process

We offer quick and hassle-free application processes, with fast approvals and funding turnaround times.Our application process is designed to be simple and user-friendly, minimizing any stress or confusion.

Competitive rates

We offer access to competitive rates and flexible repayment options that suit your budget and cash flow requirements. With our working capital loans, you can access the funds you need without compromising your financial stability or profitability.

Speak to an expert

Connect with an expert from Ashani Business Capital who will help you get the best working capital financing for your business.

Monetize receivables for operational funds

Access cash advances by leveraging your company’s accounts receivable or outstanding business invoices.

What is a working capital loan?

A Working capital loan offers short-term financial assistance tailored to cover expenses, address cash flow fluctuations, or fund essential business expenses.

Key highlights of our working capital Solutions

  • Access up to $250,000 through Secured and Unsecured Business Lines of Credit. This ensures that you have access to substantial funds to invest in your enterprise, expand your operations, purchase equipment, or meet any other financial requirements.
  • Recognizing that every business is unique and may have different financial circumstances, we offer flexible interest rates to accommodate your specific needs.
    Our solutions offer various repayment timelines. This flexibility of extended timeframes allows you to plan your finances effectively and make timely repayments.
  • After repayments, you can use the funds again. This feature provides you with ongoing financial support and convenience, allowing you to leverage the funds whenever necessary

Ensuring a steady cash flow is essential for the continuous operation and expansion of your business. This necessitates seeking funding sources that won’t tie up all your assets or involve lengthy application processes. Ashani Business Capital offers working capital financing solutions as a viable option for small and medium size businesses in need of quick cash without the burden of significant collateral or prolonged approval wait times from conventional lenders like banks and credit unions.

Our working capital loan presents a compelling alternative to traditional bank financing. Whether you seek corporate financing with competitive interest rates, expedited approvals, or flexible repayment terms, Ashani Business Capital is ideal destination for meeting your financial needs.

Our process

  • Click on the “Contact Us” tab to get in touch with us immediately.
  • Mention all important information like the loan amount, company details, nature of business, city, etc.
  • Once you have all the required information, click “submit.”
  • Our dedicated customer care executive will promptly review your application within 48 hours of submission. If any further clarification or additional details are required, they will reach out to you promptly to ensure a smooth and hassle-free application process.
  • Your satisfaction and convenience are our top priorities, and we are committed to providing personalized support every step of the way. If you have any questions or concerns during the application process, feel free to reach out to our customer care team for assistance.

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Frequently Asked Questions

Businesses of all types, including self-employed non-professionals, retailers, wholesalers, and manufacturers, are eligible to apply for a working capital loan in Canada if they require short-term financing. This loan will help them thrive in Canada's competitive market without hampering their regular finances.
Let’s take a look at various types of working capital.
  • Permanent working capital
  • Regular working capital
  • Variable working capital
  • Special variable working capital
  • Seasonal variable working capital
  • The specific documentation required for working capital loans in Canada may vary depending on the lender and the nature of the business. However, common documents typically requested by lenders include:
  • Business Plan (A detailed outline of your business model, objectives, and financial projections)
  • Financial Statements (Including balance sheets, income statements, and cash flow statements)
  • Tax Returns (Personal and business tax returns for the previous two to three years)
  • Bank Statements
  • Accounts Receivable and Payable
  • Business Registration (Proof of business registration and any relevant licenses or permits)
  • Collateral Documents (Details of any assets or collateral that can be used to secure the loan)
  • Credit History (Personal and business credit reports to assess creditworthiness)
  • Legal Documents (Contracts, leases, or agreements relevant to the business's operations)
  • Identification ( Personal identification documents for all business owners)
  • The costs associated with working capital loans can vary significantly depending on the borrower's qualifications and the type of financing obtained. While borrowers with strong credit histories securing loans from traditional banks may face interest credit profiles opting for merchant cash advances could encounter factor rates exceeding 1.50, equivalent to interest rates exceeding 80 per cent.