Running a business means dealing with challenges that don’t wait for the perfect moment. Whether it’s rising costs, delayed invoices, inventory demands, or the need to expand, every owner reaches a point where outside capital becomes essential.
Among the many funding options available today, SBA Working Capital Loans are quickly becoming the preferred solution — and it’s not hard to see why. These loans offer larger amounts, longer terms, and lower monthly payments than most traditional or alternative financing options.
At Diverse Merchant Solutions, we help business owners access up to $700,000 in working capital through a simplified SBA program designed to move faster than traditional lenders.
Why SBA Working Capital Loans Stand Out
Most business owners don’t realize how flexible and accessible these loans can be. Here’s why they’re gaining popularity:
1. Higher Loan Amounts
SBA loans can offer significantly larger capital compared to bank lines or short-term loans.
With this program, businesses can qualify for up to 80% of last year’s gross sales, giving them enough room to operate and grow.
2. Long, Affordable Repayment Terms
A major advantage is the 10-year repayment term, which helps keep monthly payments manageable.
This gives owners the breathing room they need to invest in equipment, staff, marketing, upgrades, or to consolidate high-cost debt.
3. Minimal Documentation
Traditionally, SBA loans are known for their paperwork — but this streamlined version removes the usual complications.
Most businesses only need a few basic items to get started, which helps speed up decision times.
4. Profitability Is Not Required
One of the most surprising and attractive features of this program is that profitability is not a requirement.
This opens the door to business owners who were previously declined due to lower margins or reinvesting heavily into their operations.
5. Fast Funding When You Need It Most
Funds are typically available within 1–2 weeks, making this one of the fastest SBA-backed pathways available today.
Who Qualifies for This SBA Program?
To keep things straightforward, here are the core requirements:
- 2+ years in business
- 650+ personal credit score
- $200,000+ in annual revenue
- No bankruptcy in the last 3 years
- No unresolved tax liens or major delinquencies
- Loan amounts based on 80% of last year’s gross revenue
If you meet these criteria, you may already be eligible for a substantial working capital offer.
How Businesses Are Using This Funding
Owners are using this program to strengthen their operations in practical, meaningful ways:
- Consolidating expensive short-term loans
- Purchasing equipment or vehicles
- Expanding into new locations
- Hiring additional staff
- Increasing inventory
- Covering seasonal slowdowns
- Improving cash flow stability
- Investing in marketing and growth
Working capital gives you the flexibility to take action now instead of waiting for the “perfect” moment that rarely comes.
Why Work With Diverse Merchant Solutions
Business owners choose us because we keep the process simple, transparent, and respectful of their time.
Our team evaluates your situation, prepares your file correctly, and works directly with our SBA partners to secure the strongest offer possible.
We don’t believe in guesswork, hidden fees, or endless back-and-forth.
Just a straightforward path to the capital your business needs.
Ready to See What You Qualify For?
If your business meets the basic requirements, we can run a no-obligation evaluation and show you exactly how much funding you may receive.
Get started today and see how an SBA Working Capital Loan can help your business grow stronger and move forward with confidence.