{"title":"Working Capital","description":"","products":[{"product_id":"lines-of-credit-loc","title":"Lines of Credit (LOC)","description":"\u003ch2\u003eLines of Credit (Bank LOC)\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eFlexible revolving credit for established businesses that need short-term working capital, cash flow support, inventory purchases, payroll support, or operating capital.\u003c\/strong\u003e\u003c\/p\u003e\n\n\u003cdiv style=\"background:#071224;border:2px solid #00c389;padding:20px;border-radius:12px;margin:25px 0;color:#ffffff !important;\"\u003e\n  \u003ch3 style=\"color:#00c389 !important;margin-top:0;\"\u003eTransparent Pricing\u003c\/h3\u003e\n  \u003cp style=\"color:#ffffff !important;\"\u003e\u003cstrong\u003eApplying for funding is FREE.\u003c\/strong\u003e\u003c\/p\u003e\n  \u003cul style=\"color:#ffffff !important;\"\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\u003cstrong\u003eNo Upfront Fees\u003c\/strong\u003e\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\u003cstrong\u003eNo Application Fees\u003c\/strong\u003e\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\n\u003cstrong\u003eConsultation Fee ONLY\u003c\/strong\u003e if you choose advisory help\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003eNo obligation to accept funding\u003c\/li\u003e\n  \u003c\/ul\u003e\n\u003c\/div\u003e\n\n\u003cdiv style=\"background:#071224;border:2px solid #d4af37;padding:20px;border-radius:12px;margin:25px 0;color:#ffffff !important;\"\u003e\n  \u003ch3 style=\"color:#d4af37 !important;margin-top:0;\"\u003eOptional Consultation Services\u003c\/h3\u003e\n  \u003cul style=\"color:#ffffff !important;\"\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\n\u003cstrong\u003eAI Funding Advisor™:\u003c\/strong\u003e $250\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\n\u003cstrong\u003eSenior Funding Consultant™:\u003c\/strong\u003e $500\u003c\/li\u003e\n    \u003cli style=\"color:#ffffff !important;\"\u003e\n\u003cstrong\u003ePrivate Capital Division™ Consultation:\u003c\/strong\u003e $1,000\u003c\/li\u003e\n  \u003c\/ul\u003e\n  \u003cp style=\"color:#ffffff !important;\"\u003eThese services are optional and separate from the free funding application.\u003c\/p\u003e\n\u003c\/div\u003e\n\n\u003ch3\u003eProgram Rates \u0026amp; Terms\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003e\n\u003cstrong\u003eStructure:\u003c\/strong\u003e Revolving line of credit\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eEstimated Rate:\u003c\/strong\u003e 6% to 15% variable\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eTerm:\u003c\/strong\u003e Typical 1-year renewal\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eUse of Funds:\u003c\/strong\u003e Short-term working capital and operating needs\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eCollateral:\u003c\/strong\u003e May require a blanket lien depending on lender and borrower profile\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eQualification Guidelines\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003e\n\u003cstrong\u003eCredit:\u003c\/strong\u003e 680+ preferred\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eTime in Business:\u003c\/strong\u003e 2+ years preferred\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eRevenue:\u003c\/strong\u003e $250,000+ annually preferred\u003c\/li\u003e\n  \u003cli\u003e\n\u003cstrong\u003eFinancial Strength:\u003c\/strong\u003e Clean books, steady revenue, and strong bank activity improve approval odds\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eRequired Documents\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003eBusiness tax returns\u003c\/li\u003e\n  \u003cli\u003eBusiness financial statements\u003c\/li\u003e\n  \u003cli\u003eRecent business bank statements\u003c\/li\u003e\n  \u003cli\u003eCompleted application\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eBest Fit For\u003c\/h3\u003e\n\u003cul\u003e\n  \u003cli\u003eShort-term working capital\u003c\/li\u003e\n  \u003cli\u003eInventory purchases\u003c\/li\u003e\n  \u003cli\u003ePayroll support\u003c\/li\u003e\n  \u003cli\u003eCash flow gaps\u003c\/li\u003e\n  \u003cli\u003eSeasonal business needs\u003c\/li\u003e\n  \u003cli\u003eEmergency operating capital\u003c\/li\u003e\n  \u003cli\u003eEstablished businesses with recurring capital needs\u003c\/li\u003e\n\u003c\/ul\u003e\n\n\u003ch3\u003eKey Insight\u003c\/h3\u003e\n\u003cp\u003e\nA bank line of credit is best used as flexible short-term working capital. Unlike a term loan, a line of credit allows qualified businesses to draw funds as needed, repay, and reuse available credit during the active credit period.\n\u003c\/p\u003e\n\n\u003cdiv style=\"text-align:center;margin:40px 0;\"\u003e\n  \u003ca href=\"https:\/\/www.consultantcoachbroker.com\/a\/AFF-EED61F\" target=\"_blank\" style=\"display:inline-block;background:#00c389;color:#ffffff;padding:18px 45px;border-radius:10px;text-decoration:none;font-size:22px;font-weight:bold;letter-spacing:1px;box-shadow:0 0 15px rgba(0,195,137,.35);\"\u003e\n     APPLY NOW - FREE\n  \u003c\/a\u003e\n\n  \u003cp style=\"margin-top:20px;font-size:18px;\"\u003e\n    \u003cstrong\u003eNo Upfront Fees • No Application Fees • No Obligation\u003c\/strong\u003e\n  \u003c\/p\u003e\n\n  \u003cp\u003eComplete your free funding assessment and discover which line of credit options may fit your business.\u003c\/p\u003e\n\u003c\/div\u003e","brand":"The Funding Store","offers":[{"title":"Default Title","offer_id":50740486307980,"sku":null,"price":0.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0777\/4440\/6668\/files\/LOC.png?v=1781608883"}],"url":"https:\/\/thefundingstores.com\/collections\/sba-loans-copy.oembed","provider":"The Funding Stores","version":"1.0","type":"link"}