SBA loans, and commercial bank loans, are often the first place small business owners look for working capital. What they don’t realize is that banks aren’t doing much small business lending, even for customers without bad credit. And SBA loans require extensive forms and business plans, and lenders often require up-front commitment fees in order to consider business loan applications. Some small businesses prefer working capital loans as approvals are much faster, and much less documentation is required. As well, approval rates are much higher. Many small business owners only seek working capital loans after they’ve exhausted more traditional commercial loans. Some miss the boat entirely due to time lost seeking commercial bank and/or SBA loans. Working Capital loans should be SIMPLE and QUICK, and have much higher chances for approval. It never hurts to evaluate other options, which is why more and more business owners are googling: “Loan for Small Business” and “Loans for Small Business”.