The definition for working capital can vary slightly amongst industries, but there is no doubt that without it a new business (and even established businesses) will not survive. At times it can be a vicious circle: Liquid assets will enable you to obtain business loans and lines of credit, the building blocks of your company; but amassing those assets requires investors, which can be difficult to obtain without sufficient loans or lines of credit.

Working capital is what remains after you’ve subtracted your current liabilities from your current assets. Where most startups fail is keeping enough working capital at the end of that equation to make it to the next month, and that’s why banks are reluctant to extend new companies loans or credit. Even when a bank is willing to do so, it can harm your overall credit rating and affect your tax liability.

Matrix Business Capital wants your company to succeed. To do that, we are able to provide funds directly to our clients so that they may purchase essential equipment, make improvements to their current location or fulfill any number of business necessities. We are able to quickly furnish $5,000 – $500,000 in three to five business days, with term paybacks between three to twelve months depending on your loan. Matrix financing does not show up on a credit report and reduces your tax liability.

Your personal Matrix agent will help to secure a transaction based on bank balances, merchant statements, real estate or collateral. Moreover, if your current standing prevents you from obtaining the needed capital, we can work with you long term to improve it.