
SBA Loans vs. Working Capital Loans: What’s the Difference?
SBA loans and working capital loans serve different business needs: SBA loans are ideal for long-term investments like real estate or acquisitions, offering lower interest rates and extended repayment terms, but with a slower approval process and stricter requirements. In contrast, working capital loans are designed for short-term cash flow needs, with faster access to funds and more flexible qualifications, though they typically come with higher interest rates and shorter repayment terms. Choosing the right option depends on your timeline, credit profile, and whether you're funding growth or managing day-to-day operations.




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