Working Capital, The Real Business Flex
A Business Line of Credit from Vantage West gives you a reliable, reusable source of funding to keep your small business running smoothly, without having to re-apply every time you need cash.
A line of credit is one of the most flexible tools a business can have.
It helps you stay nimble when opportunities pop up, protects day-to-day operations from cash-flow bumps, and gives you breathing room to grow at your pace. Whether you’re bridging a seasonal gap or investing in the next step for your business, a line of credit keeps your momentum moving forward.
Why a Line of Credit is a Strategic choice
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On-demand access to working capital. Tap funds when you need them for inventory, payroll, seasonal swings, or unexpected expenses.
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Reuse as you repay. As you pay your balance down, your available credit replenishes, so you’re always ready for the next need.
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Only pay for what you use. You’re charged interest on the amount you draw, not the full credit limit.
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Smooth out cash-flow gaps. Cover short-term expenses while waiting on receivables, contracts, or grant reimbursements.
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Competitive rates add real value.
Business Insights and Financial Tips
Tips for collecting your money faster
Most small business owners dislike the thought of calling customers and demanding payment, especially when you’re trying to build sales. It’s a balance of needing to be paid, and not
The six business numbers to track success
It makes sense to be aware of and track your main financial indicators. The more you observe what the numbers are doing, the faster you’ll see what’s working and what
The difference between cash flow and profit
Cash coming into your business and the actual profit you make are two very different things, and almost always never total up as identical amounts. The difference? Cash flow is
The difference between capacity and capability when scaling your business
Many successful entrepreneurs are constantly thinking of how to scale their business for growth. Whether you’re developing new products or services, taking on larger orders or moving into the export
Protecting your business from theft and fraud
There are a number of risks that you’ll face in business – from employee theft to a competitor using your intellectual property. It’s your responsibility to safeguard your business from
Using data to make growth decisions
There can be several factors you need to take into account when you’re planning for the future, and it’s increasingly easier to use data to make better decisions about everything
Looking for more ways to grow your bottom line?
Business CDS with a variety of terms
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Disclosures
All loans are subject to credit approval, satisfactory legal documentation, and regulatory compliance. Certain restrictions and fees may apply. Borrowers are responsible for any appraisal and environmental fees plus customary closing costs, including title, escrow, documentation fees and may be responsible for any fees including bridge loan, construction loan, and packaging fees. Programs, rates, restrictions, terms and conditions apply and are subject to change at any time. Rates can be variable or fixed, depending on type of loan product.
Certain loan requests above $100,000 may require additional documentation. Please speak with your business banker about your specific loan request to determine if any additional forms are required.
Minimum Time in business established 2 years. Membership required.