Working capital loans bridge the gap between accounts receivable and immediate operating expenses. These loans help Lodi Township businesses cover payroll, inventory, rent, and seasonal cash-flow gaps without diluting ownership or waiting on customer payments.
How it works
Working capital financing provides short-term funds to cover day-to-day operating costs when revenue timing doesn't align with expenses. The loan amount is typically based on your monthly revenue, accounts receivable, and existing cash reserves. Repayment structures range from daily ACH debits to monthly installments, depending on the lender and your cash-flow pattern. Because Ironcrest Lending Group is a broker, we shop your scenario across our network rather than limiting you to a single institution's pricing.
Working capital
Companies along Scio Church Road and near the Lodi Township border with Saline often face seasonal swings tied to agriculture, construction, and service industries. A landscaping contractor might need to purchase mulch and hire seasonal crews in March, yet not invoice commercial clients until May. A machine shop serving the automotive supply chain may carry 60-day receivables while parts suppliers demand net-30 payment. Working capital loans let you accept large orders, smooth payroll during slow months, and take advantage of supplier discounts without draining reserves.
We gather your revenue records, bank statements, and receivables aging, then present your profile to lenders that specialize in working capital. You receive multiple term sheets side by side, showing total repayment, schedule, and any origination costs. Our office at 5210 S State Rd in Ann Arbor is a short drive north via US-23, and we handle the paperwork coordination so you stay focused on operations. Call (734) 275-4683 to start the comparison process.
For broader financing options in the area, visit our Lodi Township hub. To explore working capital programs across the region, see our main Working Capital Loans page. Additional commercial solutions are available through our Ann Arbor hub.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
