Working capital alternatives include business cash advances and working capital loans as well as reducing credit card processing costs. In order to give business owners a concise explanation of the problems which need to be anticipated, we are providing a series of six-word descriptions about working capital management options. Additional small business finance illustrations can be found in separate reports that include “seven words describing commercial real estate loans”. Working capital financing has become an increasingly critical topic for small business owners during the recent commercial lending crisis because even the most successful businesses need an effective source for short-term commercial funding.

“Avoid a long and winding road” is the first illustration of six words to describe working capital. Determining if business financing is actually available from the commercial lender in question is the most significant issue referred to here. It has become an unfortunate reality for commercial finance applications to take several months only to find out that funding is declined in the current business lending climate. Business owners should be prepared to watch for similar signs because such unnecessary delays have become so common. It should be possible to determine within just a few days if commercial financing is feasible for a specific business need, and the entire funding process should be finalized in three weeks or less.