Working capital loans and bridge loans

two business owners consulting, working capital loans and bridge loans

Estimated reading time: 4 minutes

Probably Funding can provide your small business with the working capital loan you need for equipment, payroll, inventory, marketing, taxes, and more! We want to get you the working capital or bridge loan you need to help grow your business and bring your goals in reach.

Simple process

We want to make loans for businesses simple, easy, and successful. That’s why we believe in clear and transparent loan terms.

Flexible options

We work with you to find the perfect loan for your business. Whether you need a little or a lot, our business loans deliver.

Fast funds

Probably Funding works hard to deliver working capital loans that give you quick access to the funds you need to invest and grow your small business. We make getting a fast loan easy with our simple process, flexible options, and quick access to the funds you need. But before you get a loan through Probably Funding, let’s make sure all of your questions are answered.

What is a working capital loan?

A working capital loan is a short-term loan that is generally used until you secure permanent financing or remove a current financial need, like inventory, taxes, or a cash flow issue that will be resolved in the future. These loans ultimately get you the immediate capital you need now – not weeks from now. Our loans have longer terms of 18 months instead of the usual 12 from traditional banks.

Here’s the short and sweet of working capital loans:

  • It is a financing option used until your business gets long-term financing or no longer has a specific bill or debt.
  • The loans are short term, typically less than 12 months, but with Probably Funding, repayment can be made over 18 months.
  • Working capital loans, or bridge loans, are often used for small businesses to bridge gaps in cash flow.

What are the benefits of a Probably Funding loan?

Our loans have a faster application process, faster approval and faster funding process than traditional loans. In addition to speed, our loans have a term of up to 18 months, giving you time to pay back the loan amount. Plus, with Probably Funding, there are never any prepayment fees. We can get you approval in as fast as one business day, with loan amounts from $5,000-$500,000*. We help new businesses build a credit profile. Our loans are based on your current business performance, not years of credit history.

Because we believe loans for startups are just as important as loans for long-standing businesses. Most banks refuse to consider businesses without long credit histories, but we will work to help you grow regardless of your age. We have no prepayment penalties, ever. In fact, we offer prepayment (or early payment) discounts! These can be anywhere from 6% to 25% off the original cost of funds depending on your loan amount.

* Approval amounts and repayment terms are subject to final credit review and approval.

How can working capital loans help your business?

We understand that every business is different, which means that every loan is different. Our loans can be used for a multitude of expenses, but some of the most common are:

Purchasing additional inventory

Additional inventory could be needed, even if you don’t have the capital on hand. That’s where a Probably Funding working capital loan can come in to bridge the gap and get your business the inventory it needs today.

Helping bridge gaps in payroll

If you need funding for payroll, then waiting a week or more simply isn’t an option. Your employees depend on your payroll, and you can depend on us to get you the working capital you need quickly.

Investing in equipment

Buying new equipment can be a big investment, but sometimes you need to spend money to make money. If you need a working capital loan to invest in your industry-specific equipment, we’ve got you covered.

Paying taxes or other periodic debts

Sometimes infrequent fees pop up when you least expect them, rent comes at an inopportune time, or taxes and quarterlies add up faster than you had planned. Use our working capital loan to pay for the surprise.

Investing in marketing or advertising

Marketing can be expensive, and if your marketing efforts need to be bumped up during certain times of the year, then having the working capital you need is a must for a successful campaign.

Probably Funding can’t wait to say ‘yes’ to your business loan needs!

We want to provide a new kind of working capital loan, a better kind. Contact us today to learn more about our loans, services, and history. We want to help your business reach its goal – because Probably Funding is all about you and your business.


This Probably Funding blog post is purely educational and features general information and opinions. Nothing contained herein is intended to constitute advice or recommendations and should not be treated as such.