Working Capital
Lending
Entrepreneurs need capital they can count on, but with banks hesitant to loan on unproven ideas, capital is hard to come by. Access the funds you need today through our network of lenders.
Advantages
Flexible use loans.
Many different lenders are available.
Smooth out seasonal revenue cycles.
Available with or without collateral.
What is Working Capital Lending?
Long-term assets can’t meet your short-term needs. Even if your company is rich in assets, it may struggle with short-term liquidity. Working capital is how you manage your daily expenses, make payroll, and keep the lights on. If you don’t have enough working capital to meet your needs, the health of your business is at risk.
New ideas can boost your productivity, encourage teamwork, and attract clients. Working capital loans can bring in the cash you need to nourish your initiatives. Labor shortages, economic downturns, and unexpected costs can hit your business at any time, regardless of how well it’s managed. Be ready to meet immediate cash demands so you can keep business flowing smoothly.
If you need to increase your working capital, whether it’s to cover incoming bills or launch a new project, look to a working capital loan. You can access a working capital loan through several different sources, including private lenders and the SBA. So, it pays to have Windismodis on your side to help you sort through the options.
How to Effectively Apply Funds
To measure your business’s current working capital needs, you can use the working capital ratio. This ratio gives you a number based on how many assets versus liabilities you have for the fiscal year. Divide your current liquid assets by your current liabilities to get the number. In most cases, 2 is an ideal ratio. Less than 2 means you need to boost your working capital soon.
Financing Options
Line Of Credit
A working capital line of credit is one way to increase your business’s cash flow. You can borrow what you need from your approved credit limit. Making payments into your account frees up the balance for future use. Explore secured, unsecured, non-revolving, and no-recourse lines of credit.
SBA 7a
The Small Business Association’s 7a loan allows you to borrow working capital for your small business. If you’ve been turned down for a loan before, the SBA can be your best source for working capital funds. We help you craft a convincing application. then we present it to the best SBA-certified lenders.
Private Funding
Private loans are a short-term source of working capital for small businesses. Use assets like real estate, equipment, or inventory to secure a low-interest working capital loan, even if you have bad credit. If you’re searching for the best private lenders, let’s connect for a discovery call.
Pre-Apply
A little information helps us start the positioning process for your loan.
Frequently asked questions
Q. Can you have too much working capital?
If you’ve calculated your working capital ratio and found it’s higher than your industry’s standard, you could have too much working capital. Having too much working capital means you’re missing out on investment opportunities. Seek to reinvest those excess funds to grow your business.
Q. When is a working capital loan not a good fit?
Working capital loans are short-term financing solutions that let you decide where to apply the funds. If you’re looking to buy real estate, onboard new equipment, or invest in long-term assets, a more targeted loan could be a better fit. Ask us about commercial real estate, equipment, and construction-specific loans.
Q. How can I use a working capital loan?
Q. Is it hard to get a working capital loan?
Since working capital loans can come from several different lenders, it’s easy to find one that will work with you. Good credit, bad credit, or somewhere in between, there’s a working capital loan that fits your business.
The Windismodis Advantage
Windismodis brings decades of experience in traditional and alternative lending.
Let us help you reach your financial goals today with Healthcare Financing.
Industry growth takes critical and creative thinking from every front. Windismodis can become part of your innovation network, thinking creatively to plan and source financing throughout your growth cycle.
Windismodis is a member of Greater North Fulton Chamber, Advanced Technology Development Center and Women's Chamber of Commerce.
Get in touch.
Healthcare Financing Solutions
For both medical enterprises and private equity sponsors immersed in the healthcare sector, Windismodis Capital offers tailored products and expertise to cater to their distinct needs. Despite differing perspectives, our commitment remains unwaveringly focused on achieving success for our clients.
Navigating the nuances of healthcare finance—from short-term liquidity concerns to long-term strategic planning—can be challenging. Many healthcare providers contend with cash flow volatility stemming from delayed patient payments and sluggish Medicare/insurance reimbursements, often exacerbated by regulatory changes. Windismodis Capital's Treasury and Payment services offer streamlined liquidity management solutions, while our customizable credit facilities provide vital support during cash flow gaps.
For sponsors with a broader strategic outlook, optimizing processes, managing risk, and unlocking maximum value are paramount. Our innovative financing solutions facilitate organic growth initiatives and facilitate seamless merger and acquisition endeavors.
What Sets Us Apart
At Windismodis Capital, we pride ourselves on offering a diverse range of financing platforms tailored to the healthcare industry's unique requirements. With deep-rooted relationships within the healthcare landscape and private equity circles, we possess a nuanced understanding of our clients' specific challenges, allowing us to craft flexible lending solutions tailored to their needs. We collaborate closely with clients on strategic initiatives and target acquisitions, leveraging our annual conference to foster valuable connections with investors and industry leaders.
Our Expertise Spans Multiple Sectors
Windismodis Capital's team of seasoned healthcare lending professionals specializes in various sectors, including:
- Services: Home health, hospice, dialysis
- Facilities: Hospitals, long-term care, behavioral health, medical office buildings
- Physician practices and outpatient services: ASC, hospital services, dental, dermatology, anesthesia
- Medical products/devices
- Pharmaceutical products and services
- Healthcare information technology
Comprehensive Financing Solutions
Our suite of products and services includes:
- Cash flow loans for buyouts, acquisitions, refinancings, and recapitalizations
- Arrangement and syndication of multi-lender facilities
- Asset-based loans
- Real estate financing
- Working capital lines of credit
- Medical equipment financing
Whether you're seeking to stabilize cash flow, pursue strategic growth initiatives, or navigate complex acquisitions, Windismodis Capital stands ready to provide tailored healthcare financing solutions that align with your objectives. With our deep industry expertise and collaborative approach, we empower clients to achieve their long-term financial goals in the ever-evolving healthcare landscape.
For both medical enterprises and private equity sponsors immersed in the healthcare sector, Windismodis Capital offers tailored products and expertise to cater to their distinct needs. Despite differing perspectives, our commitment remains unwaveringly focused on achieving success for our clients.
Navigating the nuances of healthcare finance—from short-term liquidity concerns to long-term strategic planning—can be challenging. Many healthcare providers contend with cash flow volatility stemming from delayed patient payments and sluggish Medicare/insurance reimbursements, often exacerbated by regulatory changes. Windismodis Capital's Treasury and Payment services offer streamlined liquidity management solutions, while our customizable credit facilities provide vital support during cash flow gaps.
For sponsors with a broader strategic outlook, optimizing processes, managing risk, and unlocking maximum value are paramount. Our innovative financing solutions facilitate organic growth initiatives and facilitate seamless merger and acquisition endeavors.
What Sets Us Apart
At Windismodis Capital, we pride ourselves on offering a diverse range of financing platforms tailored to the healthcare industry's unique requirements. With deep-rooted relationships within the healthcare landscape and private equity circles, we possess a nuanced understanding of our clients' specific challenges, allowing us to craft flexible lending solutions tailored to their needs. We collaborate closely with clients on strategic initiatives and target acquisitions, leveraging our annual conference to foster valuable connections with investors and industry leaders.
Our Expertise Spans Multiple Sectors
Windismodis Capital's team of seasoned healthcare lending professionals specializes in various sectors, including:
- Services: Home health, hospice, dialysis
- Facilities: Hospitals, long-term care, behavioral health, medical office buildings
- Physician practices and outpatient services: ASC, hospital services, dental, dermatology, anesthesia
- Medical products/devices
- Pharmaceutical products and services
- Healthcare information technology
Comprehensive Financing Solutions
Our suite of products and services includes:
- Cash flow loans for buyouts, acquisitions, refinancings, and recapitalizations
- Arrangement and syndication of multi-lender facilities
- Asset-based loans
- Real estate financing
- Working capital lines of credit
- Medical equipment financing
Whether you're seeking to stabilize cash flow, pursue strategic growth initiatives, or navigate complex acquisitions, Windismodis Capital stands ready to provide tailored healthcare financing solutions that align with your objectives. With our deep industry expertise and collaborative approach, we empower clients to achieve their long-term financial goals in the ever-evolving healthcare landscape.