Sometimes you need external financing to bridge cash gaps or fund growth. Working capital financing comes in many forms - revolving lines of credit, term loans, accounts receivable factoring, inventory financing - each with different costs, terms, and use cases.

The key is matching the financing to the need. A seasonal business with predictable patterns might use a revolving line. A business with strong AR but slow-paying customers might factor receivables. A business buying inventory for a big order might use inventory financing.

In this topic, you'll learn the full spectrum of working capital financing options, how to compare true costs, when each type makes sense, and how to prepare applications that get approved.