Customized financing to consolidate high-interest debt or fund major purchases or expenses.

Tailored commercial financing that supports all your business needs to help you grow quickly. 

Tailored for entrepreneurs that want to establish additional active and passive income streams.

Tailored for entrepreneurs that want to establish additional active and passive income streams.




Customized financing to consolidate high-interest debt or fund major purchases or expenses.

Working Capital Loans

Grow your business with a
loan for working capital

  1. Large loan amounts: Up to $500K1,2

  2. Fixed affordable payments: Terms up to 12 years1

  3. Fast funding: In as few as 3 days3

  4. Concierge service: U.S.-based loan specialists for every application

How much are you looking to finance?

Please enter a value between $20,000 - $500,000

No application fees, commitment, or impact on personal credit to view your estimate.

Business owner woman posing for interview Business owner woman posing for interview

Working Capital Loan Average Customer Stats

  1. 12 years in current business industry

  1. Personal FICO 754

  1. Average loan amount $155K

Ways To Use Your Loan

What is a working capital loan?

Working capital loans help your business take advantage of growth and expansion opportunities. With manageable monthly payments and funds dispersed in one lump sum, BHG Financial can help you cover all your working capital needs.

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Boost cash flow

An infusion of capital can help you meet immediate business obligations and achieve your long-term goals.

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Prioritize operational initiatives

Whether you're investing in marketing, upgrading technology, purchasing inventory, or addressing cash flow for rent or utilities, a working capital loan from BHG Financial can help you make it all happen.

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Cover seasonal business costs

For companies that require flexibility during certain seasons, a BHG Financial working capital loan can support your business during and around peak months.

Experience The BHG Financial Difference

Take advantage of extraordinary loans with affordable, extended terms1

BHG Financial offers loan terms that are uniquely designed to support your business growth, by maximizing your repayment options and minimizing your monthly cost.


SOURCE: Nav- Accessed on 5.09.24"

A Hassle-Free Process

How our working capital loans work

As a busy business owner, your time is valuable. At BHG Financial, we’ve streamlined the application process to get you funded fast so that you can get back to business.

Business woman professional in meeting Business woman professional in meeting

1. Start an application

Unlike other lenders, we won't ask for unnecessary paperwork. It’s easy and there’s no impact to your credit score to apply.

2. Get your funding decision

Approval can take as little as 24 hours.3 Our dedicated loan specialists will review your application and qualifications, tailoring a loan solution for your financing needs.

3. Receive funds fast

If approved, you will receive your funds in one lump sum in as few as 3 days.3

To achieve continued success, the country’s top professionals and business owners rely on BHG Financial for exceptional financing, a simplified lending process, and personalized service.

$18 Billion +

Loans funded

23 years

Lending experience

A+ Rating


170,000 +

Customers funded


Working Capital Loan FAQs

Working capital loans are great assets for achieving or maintaining liquidity, responding to unforeseen expenses, and capitalizing on new business initiatives. Whether you need a new inventory run or are ramping up your marketing initiatives, these loans can be used for what you need at the moment or to help you plan for the years ahead.

Traditionally, professionals looking for a working capital loan may find that their options have high interest rates1 and short terms.

BHG Financial’s working capital loans have terms that extend to 12 years1 and, because of this, interest rates1 are more flexible for applicants and monthly payments are affordable.

Applying for a working capital loan with BHG Financial is as easy as 1-2-3.

  1. Fill out an online application quickly or call us directly to speak to a loan specialist.
  2. We'll gather the necessary documentation for you, which may include income verification documents such as tax returns and bank statements. If anything else is needed to process your application, we’ll reach out to work with you.
  3. After we’ve received all the necessary information and documents, our team will review your qualifications and notify you promptly regarding approval.

BHG Financial evaluates applicants based on credit history and personal and business income, among other factors provided at the time of the loan application.

The average BHG Financial working capital loan customer has a 754 FICO score, has been in business for 12 years and receives $153K in funding.

BHG Financial offers fixed-interest working capital loans up to $500,000.1,2 BHG Financial files a lien on the business via a Uniform Commercial Code (UCC) filing.

Additionally, applying for a working capital loan will not impact your personal credit score. BHG Financial only performs a soft pull of your credit when you apply, so your credit score will remain intact.

After you're funded, your BHG Financial working capital loan will not be reported to the credit bureaus. However, if your account becomes delinquent, BHG Financial can report the delinquent trade line to the bureaus.

View your estimate

There is no cost, commitment, or impact on personal credit to see your estimate.

¹ Terms subject to credit approval upon completion of an application. Loan sizes, interest rates, and loan terms vary based on the applicant's credit profile. Finance amount may vary depending on the applicant's state of residence.

² BHG Financial business loans typically range from $20,000 to $250,000; however, well-qualified borrowers may be eligible for business loans up to $500,000.

³ This is not a guaranteed offer of credit and is subject to credit approval.

Business Loan Repayment Example: A $94,695 commercial loan with a 9-year term and an APR of 14.8% would require monthly payments of $1,633.

Testimonial(s) based on unique customer experience. Individual customer experiences may vary.

For California Residents: BHG Financial loans made or arranged pursuant to a California Financing Law license - Number 603G493.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies every customer. What this means for you: When you apply for a loan, we will ask for your name, address, date of birth, social security number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. If all required documentation is not provided, we may be unable to establish a customer relationship with you.