Working Capital Loans

Stabilize your business as it grows.

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?

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 with:

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

Benefits of a Working Capital Loan

  • Flexible amortization
  • Competitive rates
  • Convenient terms
  • Quick, local decisions


Visit one of our locations in Central Kentucky, Western Kentucky, or Southern Indiana to learn more about debt consolidation loans or contact us to start an application.



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.