73% of small businesses report cash-flow gaps between receivables and payables. Working capital loans bridge that gap by providing flexible funding to cover payroll, inventory, supplier invoices, and day-to-day operating expenses without tapping long-term assets.
How it works
Working capital loans provide short- to medium-term financing that covers the operating expenses your business needs to keep running between revenue cycles. Unlike term loans tied to a specific purchase, working capital funding gives you flexibility to allocate dollars where they matter most: restocking shelves before peak season, meeting payroll during a slow quarter, or paying vendors on net-30 terms while waiting on customer payments. Repayment structures vary from fixed installments to revenue-based draws, and most lenders look at cash flow and bank statements rather than requiring heavy collateral.
Working capital
Trinity sits along Old US 311 south of High Point, home to a mix of family-owned retail shops, light manufacturing, and service providers serving Randolph and Davidson counties. Businesses near the Trinity Community Park corridor often face predictable cash crunches: a landscaping company needs to buy mulch and equipment before spring contracts pay out, or a machine shop along Level Cross Road must cover payroll while waiting 60 days for invoices to clear. Working capital loans let you smooth out those timing mismatches without burning through savings or maxing credit cards.
Working capital
Marshgate Funding is a licensed commercial loan broker based at 3980 Premier Dr, High Point, NC 27265. We work with a network of lenders who offer working capital products tailored to different industries and credit profiles. When you call (336) 910-4745, we review your revenue patterns, outstanding obligations, and growth plans, then match you to programs that fit. Because we are brokers, not lenders, we compare multiple offers and guide you through documentation so you spend less time hunting and more time running your operation. Learn more about business financing options across Trinity or explore our full working capital loan programs serving the High Point metro.
A third-generation hardware store near the intersection of Old US 311 and Level Cross Road wanted to double its spring inventory order to capture contractor demand. The owner had strong sales history but limited cash reserves after a winter HVAC repair. Marshgate Funding connected the store to a lender offering a revenue-based working capital facility with daily ACH repayment tied to card sales, letting the business restock without disrupting vendor relationships or delaying payroll.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
