Loan Usage
Working Capital Loan
Working capital is one of the most common usages for SBA loans
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Top 5 SBA franchise loan lender*
+$600 million franchise loans funded
+$2 billion in SBA loans since 2020
+2,000 SBA loans funded since 2020
Is cash flow unpredictability threatening your business stability?
Managing cash flow is a major challenge for small businesses and directly affects their ability to survive. According to the Bureau of Labor Statistics, 18% of businesses fail in the first year, 50% within five years, and 65% within ten years. With many businesses struggling to manage cash flow to cover everyday expenses like payroll, rent, and utilities, while trying to finance growth opportunities.
A recent survey revealed that 69% of small business owners have been kept up at night by concerns over cash flow. Unexpected costs or delayed payments can lead to shortages, forcing owners to dip into reserves or take on debt. When cash flow tightens, plans for purchasing inventory or hiring new staff often get delayed, holding back growth. Without access to flexible financing, many businesses get stuck balancing immediate needs and long-term planning.
Seize growth opportunities with flexible financing
When cash flow gets tight, it can feel like you’re juggling a hundred tasks at once, just keeping the lights on while trying to plan for growth can seem impossible. Fortunately, SBA loans offer flexible, affordable financing to help manage daily operations without sacrificing your future. Whether it’s covering expenses, increasing inventory, or hiring more staff, SBA loans provide the working capital your business needs without straining your finances.
Take the SBA 7a Loan, for example. This popular loan offers up to $5 million in funding and can be used for nearly any business expense—payroll, inventory, or bringing in new employees. With low down payments and longer repayment terms, the 7a loan helps maintain healthy cash flow while you access the funds you need to grow.
At First Bank of the Lake, we specialize in helping businesses balance immediate needs with long-term goals. With over $1.1 billion in SBA financing provided, we’re here to help you secure the working capital your business needs to succeed—without the extra stress.
Real business owners. Real results.
Woof Gang Bakery SBA Loan Case Study
After years in HR, Kasia followed her passion for animals and, with a $345K SBA loan from First Bank of the Lake, quickly launched her Woof Gang Bakery & Grooming franchise — already nearing breakeven just months in.
Tint World SBA Loan Case Study
After losing his wife, a friend, and his life savings, Dan Billings reinvented his life with a Tint World franchise — and with guidance and an SBA loan from First Bank of the Lake, his business is thriving and he’s already eyeing a second location.
Lifetime Green Coatings SBA Loan Case Study
Father and son duo Barry and Parker Norfleet launched six Lifetime Green Coatings franchises with a $400K SBA loan from First Bank of the Lake — quickly setting up operations and nearly breaking even within just three months.
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Gave Me the Confidence I Needed
Huge thanks to Tammy and Brandi. Tammy was my first point of contact and gave me the confidence I needed since there isn't a local branch near where I live. Brandi has been answering ALL my questions since and has excellent follow up and has taken great care of me.
— Michele Houston
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First Bank of the Lake was a tremendous help in securing a 504 small business loan for my company. Every staff member I interacted with was professional, friendly, and genuinely interested in helping my business succeed.
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I cannot say enough positive things about my experience working with Eric as my SBA loan officer. From start to finish, he provided exceptional service and went above and beyond to ensure that every issue we encountered was resolved quickly and efficiently.
— Bryan Crowe