Working Capital Line of Credit
Smart Financing for Your Business Cash Flow
From small businesses to established enterprises, every business faces moments when cash flow gets tight. Whether you're covering payroll, managing accounts payable, or preparing for seasonal demand, the TRB Working Capital Line of Credit offers flexible, revolving access to funds when you need them most.
What Is a Working Capital Line of Credit?
A working capital line of credit is a revolving credit loan that allows businesses or business owners to draw funds as needed, up to a set credit limit, to cover day-to-day expenses. Unlike term loans, which provide a lump sum, a business line of credit gives you ongoing access to capital. You only pay interest on the amount you use, making it a cost-effective solution for managing cash flow.
How Does a Line of Credit Work?
- Draw funds as needed to cover short-term needs
- Repay and reuse the credit line as you go
- Interest rates apply only to the drawn balance
- Helps bridge gaps between accounts payable and accounts receivable
This type of short-term financing is ideal for businesses that need flexibility without committing to long-term debt.
Working Capital Loan vs. Line of Credit
Working Capital Loan:
- One-time lump sum
- Fixed repayment schedule
- Best for large, predictable expenses
Working Capital Line of Credit:
- Revolving access to funds
- Pay interest only on what you use
- Ideal for fluctuating or recurring operating expenses
Why Choose TRB’s Business Line of Credit?
At Texas Regional Bank, we offer tailored credit lines that help you:
- Manage accounts payable during slow revenue periods
- Take advantage of supplier discounts or bulk inventory purchases
- Cover payroll, rent, and other operating expenses
- Maintain liquidity while waiting on accounts receivable
Our local decision-making process ensures you get personalized service with the financing options that best fit your business goals.
Who Can Qualify for a Working Capital Line of Credit?
To qualify for a working capital line of credit, businesses typically need:
- A solid track record of revenue
- Strong credit history
- Clear documentation of accounts receivable and accounts payable
- A demonstrated need for short-term liquidity
- Other documentation may be requested
Whether you're a startup or an established company, TRB can help you find the right financing options to support your business growth.
Final Thoughts
A TRB Working Capital Line of Credit is more than just a loan—it’s a strategic tool for managing uncertainty and seizing opportunity. With flexible terms, and a focus on local businesses, we’re here to help you thrive.
Please see or call one of our experienced loan officers for assistance. Terms and conditions may vary. All loans are subject to a written application, loan underwriting, and credit approval.