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Home / Business / Business Loans & Lines / Working Capital Line of Credit
Are you looking to infuse your business with much-needed cash? FNBT has Working Capital Loans to help cover operating expenses for your business when you need it. We are a community bank focused on Family Business, because we are one! Apply for a loan at one of our full service branches conveniently located throughout Southern Wisconsin and Northern Illinois.
When you apply for a business loan with us, decisions are made in-house and we're committed to providing your business with the highest level of customer service. Find out what your loan payment would be with our business loan calculator.

What Is A Working Capital Loan?

This type of business loan provides financing for your everyday operational costs. Whether you need help making payroll, paying rent on your office space, covering utility bills, or purchasing supplies, a working capital loan can help you survive a cash flow shortage or liquidity problem.

What Can A Working Capital Loan Be Used For?

Working capital loans are pretty flexible; however, they are intended for short-term needs, not long-term assets or investments. For example:
  • Inventory
  • Short-term debt payments
  • Supplies
  • Other daily operating expenses to “keep the lights on”

Seasonal businesses and those with cyclical sales periods may get the most benefit from a working capital loan. You may have to use your personal credit worthiness as the business owner to obtain this type of business loan.

Secured vs. Unsecured Working Capital Loans

A secured working capital loan is backed by collateral, such as an asset or savings account your business owns. If you default on your loan, your lender can seize the collateral.

Unsecured working capital loans do not require collateral. Approval is based solely on the business owner’s credit and the financial situation of the business. Defaulting will hurt your credit score and ability to secure future business loans.

Apply For A Working Capital Loan In Southern Wisconsin Or Northern Illinois!

We make business loans easy and offer Sound Advice to help you be successful. You can see what your loan payment would be with our business loan calculator or debt consolidation calculator. We can also help with your business loan rates. If you want to forget “business as usual”, you’ve come to the right place! Meet with a business lender at an office near you. FNBT has convenient locations in Argyle, Beloit, Clinton, Darien, Delavan, Elkhorn, Janesville, Monroe, Walworth, and Williams Bay, WI and Rockton, Roscoe, and Winnebago, IL.