Working Capital Loans

With competitive rates, convenient terms, and flexible amortization schedules, a working capital loan from Field & Main can help you stabilize your business.

What is a Working Capital Loan?

A working capital loan is a type of business loan that covers everyday expenses such as payroll, rent or mortgage payments, supplies or inventory, and other bills. Essentially, a working capital loan is intended to help you “keep the lights on.” It isn’t meant for long-term asset purchases, such as equipment or real estate.

What Does a Working Capital Loan Cover?

From restaurants and stores to manufacturing facilities, every business will confront a cash flow problem at one time or another. Whether you’re experiencing a seasonal slowdown, supply chain problem, or other interruption, a working capital loan can help you:

  • Make payroll
  • Pay your rent or commercial mortgage
  • Operational costs
  • Purchase supplies or inventory
  • Pay critical vendors

Why Get a Working Capital Loan with Field & Main Bank?

At Field & Main, our lenders live and work in the communities they serve, and are dedicated partners in the success of your business. With Urgency & Care that you would expect from your local trusted advisor, Field & Main Bank continually strives to meet your small business banking needs. We offer exceptional accessibility and availability, before, during, and after your loan closes, with direct lines of communication. And because we’re based right here in Central Kentucky, Western Kentucky, and Southern Indiana, you can take advantage of fast, local decision-making and in-person, one-on-one assistance, when you need it most.

Apply for a Working Capital Loan

Ready to take advantage of our competitive rates and dedicated, local service? Contact us to apply for a working capital loan or visit one of our convenient branches in Henderson, Cynthiana, Evansville, and Lexington

Equipment Financing

Purchase the equipment you need to run your business properly.

Commercial Lines of Credit

Get a predetermined borrowing limit that can be accessed only when you need it most.