If you need extra money for your day-to-day operations, a working capital loan or line of credit may the commercial financing you need. Through these our dynamic list of financing options you can take care of basic business expenses, keeping you and your business running competitively. At Patriot Commercial Lending Solutions, we work with more than 100 lenders, allowing us to create the loaning environment you’re in search of.


What is the difference between a Working Capital Loan and a Line of Credit?

There is very little difference, actually. Both can be used for numerous expenses within the business and both require the same application process.

Working Capital Loans are term loans that require a fixed monthly payment based on the loan amount, rate, and term.  You receive 100% of the funds up front and begin repayment immediately.

A Line of Credit is an available pool that allows you to pull money when your business needs warrant it. You have access to 100% of the funds but you only pay for the funds that you draw. As you repay previously drawn amounts, your available credit gets replenished. The funds continue to be available and do not terminate within a specific time-frame. Many like to think of this as a “revolving account”.


We have been working in commercial finance for more than a decade, giving us the experience and knowledge necessary to help you maintain cash flow and increase profits by improving your business. Our application process is fast and safe, and we will work tirelessly to get you the loan you need to help your business thrive.

Working Capital and Lines of Credit can both be used for the following:

  • Expanding Inventory
  • Hiring & Paying Staff
  • Purchasing Equipment
  • Paying Taxes
  • Developing A New Product
  • Updating Old Systems
  • Updating Or Repairing Equipment
  • Remodeling Your Current Location
  • Seasonal Expenses
  • Marketing
  • Employee Training
  • Unforeseen Issues & Expenses
  • Establishing Credit
  • & Many Others

Do not hesitate to reach out to our team today if you have any questions, comments, or concerns regarding the services we provide. We can’t wait to help support your business with the best commercial financing to make your entrepreneurial dreams a reality.