You’ve built your business with grit, vision, and long hours. But if high-interest debt is draining your cash flow, it might be time to put your money to work as hard as you do. Whether you're managing cash flow dips or trying to scale up, a Working Capital loan1 could be the financial boost your business needs.
The Problem: High-Interest Debt Is Holding You Back
Many small businesses rely on short-term financing from merchant lenders. These loans often come with sky-high interest rates — sometimes 24% or more — and short repayment terms that can choke your monthly cash flow.
Sound familiar? You’re not alone.
The Solution: Refinance Smarter with a Working Capital Loan
UFCU Working Capital Loans are designed to help you refinance existing debt at a lower fixed rate and extended terms. That means:
- Lower monthly payments
- Reduced total interest paid
- More cash on hand to reinvest in your business
Real UFCU Members. Real Results.
- One Austin-based municipal consulting firm slashed monthly payments from $11,000 to $2,191 — saving more than $8,800/month.
- A Texas lawn and landscaping company consolidated two high-interest loans into one, saving $2,586 per month.
- A local frameless cabinet specialist refinanced $100K, dropping their payments from $18K to $2,200 — saving thousands in interest!
These aren’t just numbers — they’re real savings that fuel real growth.
5 Ways a Working Capital Loan Can Benefit You and Your Business
- Refinance High-Rate Debt: Replace short-term, high-interest loans with a lower fixed rate and longer term. That means predictable payments and less financial stress.
- Boost Monthly Cash Flow: Lower payments free up funds for payroll, inventory, or expansion.
- Act on Growth Opportunities: Need to invest in new equipment or expand your services? A Working Capital Loan gives you the flexibility to act fast.
- Avoid Dipping Into Personal Funds: Keep your business and personal finances separate. UFCU Business Checking and Savings accounts can help you manage funds efficiently and responsibly.
- Build Long-Term Financial Health: With responsible use, a Working Capital Loan can improve your business credit and position you for future financing.
Already a UFCU Business Member? If you are, make the most of your membership! If not, you may be eligible for fast-track approval. And with access to free financial calculators, you can estimate your savings before you apply.
Learn More About Business Membership
Ready to Reclaim Your Cash Flow? Apply Now for a UFCU Working Capital Loan or explore more business insights and tools to help your company thrive.
1 Subject to credit eligibility. Certain restrictions apply.