What this loan delivers

BankUnited’s Working Capital Loan offers a straightforward credit facility intended for short- to medium-term business needs. It combines flexible repayment structures with a focus on speed of decision and clarity of terms, enabling business owners to make timely operational decisions. The product emphasizes practicality: simple documentation, transparent fees, and tailored repayment schedules that align with typical business cash cycles.

• Purpose-driven funding: Specifically intended to cover payroll, supplier payments, inventory purchases, seasonal shortfalls, and other day-to-day operational costs.
• Flexible term structures: Options that range from short-term bridges to extended working capital arrangements designed around predictable revenue streams.
• Predictable payments: Amortized schedules or interest-only periods are available depending on the company’s cash flow profile and loan size.
• Transparent underwriting: Decisions grounded in financial performance, collateral availability, and the borrower’s repayment capacity rather than opaque scoring alone.

Key benefits for your business

This loan is built to support business continuity and growth while minimizing disruption to daily operations. Key benefits include:

• Improved cash flow stability: Smooth out revenue variability and ensure timely vendor and payroll obligations.
• Operational flexibility: Use capital where it creates the most value — from stocking seasonal inventory to funding short-term marketing campaigns.
• No equity dilution: Maintain full ownership and control of the business while accessing external capital.
• Rapid access to funds: Efficient underwriting processes are designed to reduce turnaround times, so qualified applicants can move quickly when opportunities arise.
• Tailored financing: Structures are adaptable to industry cycles and can be aligned with receivables schedules or other revenue timing considerations.

Who is eligible

BankUnited offers working capital financing to a wide range of businesses, including small and mid-sized enterprises across diverse industries. Typical eligibility factors include:

• Established business operations with a verifiable revenue history.
• Demonstrated ability to repay through cash flow, accounts receivable, or other operating metrics.
• Appropriate legal formation and governance documentation.
• Acceptable credit profile for the business and, when required, principals.

Assessment focuses on the business’s fundamentals and cash generation ability rather than a single metric, helping growing businesses present a complete financial picture for fair consideration.

Required documentation

To expedite review, prepare typical business lending documents. Exact requirements may vary by loan size and structure, but commonly requested items include:

• Recent financial statements, including profit and loss and balance sheets.
• Bank statements covering a recent 3–12 month period to illustrate cash flow patterns.
• Federal tax returns for the business (and possibly for principal owners).
• Accounts receivable and payable aging reports if relevant to the loan purpose.
• Business formation and ownership documentation.
• Details on any collateral being offered, if applicable.

How the application process works

BankUnited aims to make the borrowing process clear and efficient. While individual experiences vary, a typical application flow includes:

1. Initial consultation: Discuss business needs and loan options to identify an appropriate structure.
2. Document submission: Provide financial records and supporting documentation for underwriting review.
3. Underwriting and decision: BankUnited evaluates the business’s cash flow, collateral, and credit characteristics to reach a credit decision.
4. Loan closing and funding: Once terms are agreed, documentation is finalized and funds are disbursed according to the loan agreement.
5. Ongoing relationship: Post-funding support and potential refinancing or expansion options as the business grows.

Use cases — practical examples

A working capital facility can be the difference between missed opportunities and sustained growth. Common scenarios where this loan is particularly effective include:

• Seasonal retailers: Stock up on inventory in advance of peak seasons without straining operating liquidity.
• Manufacturers: Fund raw material purchases ahead of a large contract while payments are scheduled after delivery.
• Service providers: Bridge payroll and overhead while waiting for milestone-based client payments.
• Young growth-stage companies: Smooth cash flow during ramp-up phases when revenue is growing but not yet stable.

Repayment and structure

Repayment options are designed to match your business cash flows. Structures can include fixed monthly payments, seasonal amortization schedules, interest-only periods followed by principal repayment, and revolving facilities for recurring needs. Loan covenants and collateral requirements are determined by the underwriting analysis and are tailored to mitigate borrower and lender risk while preserving operational flexibility.

Why choose BankUnited for working capital

BankUnited positions itself as a partner for businesses seeking practical financial solutions. The bank combines industry expertise, flexible underwriting, and a focus on relationship banking to deliver financing that supports day-to-day operations and strategic growth. Borrowers benefit from experienced commercial lenders who understand the realities of running a business and who can structure financing to match timing and cash flow realities.