Do working capital loans allow small business owners to borrow larger amounts in the future? The answer is Yes. Available credit is often as much as doubled or tripled within 2-4 months of the initial loan. This is usually accomplished in two different ways. First, some lending companies have multiple programs, and can (with performance) move business owners from a business starter loan at first, up to a preferred or premier commercial loan program after a few months. As well, payment history in any program, along with consistent or even growing bank deposits and/or balances, usually result in both higher loan amounts… but also often in longer payment terms. Starter loans (aka bad credit cash advances) are often the first step toward this process for small business owners with challenging credit scores.