Working Capital Loans & Lines of Credit

A revolving line of credit is the most flexible working capital instrument available to a business owner. You are approved for a maximum amount — up to $5 million — and draw from it as your business needs dictate. You pay interest only on what you have drawn, not the full line. When you repay, the full line becomes available again.

This structure makes a line of credit fundamentally different from a term loan. You are not paying interest on money sitting unused in your account. You are not locked into a repayment schedule that ignores whether you actually deployed the capital productively. The line stays available and stays working as long as your business is performing.

Aberdeen Financial Group provides business lines of credit for operations management, inventory financing, payroll coverage, contract fulfillment, and any recurring business need where access to capital on demand is more valuable than a fixed lump sum.

Acquiring an existing business — a competitor, a franchise, a partner's stake, or a family business transition — is one of the most capital-intensive decisions a business owner makes. The financing structure you use at closing determines how much of your own capital you tie up and how much operational flexibility you retain to run the business after the transaction closes.

Aberdeen structures working capital financing for business acquisitions across all industries and all 50 states. We evaluate acquisition deals based on the target business's revenue, cash flow, and asset base — which opens acquisition financing to buyers who would not qualify under traditional bank underwriting criteria. If you have identified a business you want to acquire and need capital to close, contact us before assuming the bank is your only option.

Organic growth costs money before it generates returns. A second location requires buildout capital before it serves its first customer. A new hire produces revenue weeks after their first paycheck. A new market requires investment before it generates margin. The gap between spending and earning is where expansion financing lives.

Aberdeen Financial Group provides expansion capital for businesses that are ready to grow but whose current cash flow cannot fully self-fund the investment. We work with multi-location restaurant groups, contractor businesses expanding their service area, healthcare practices opening satellite offices, manufacturers adding production capacity, and businesses across every sector making the transition from single-unit to multi-unit operations.

Expansion financing through Aberdeen Financial Group is evaluated on your growth plan — what the capital will accomplish, what revenue it will generate, and what timeline is realistic. We are evaluating a business decision, not running a formula.

Merchant Cash Advances are among the most expensive financial products in the business lending market. Daily or weekly repayment schedules, factor rates that translate to effective annual rates well above 50% in many cases, and stacked advance positions that pull cash from the business before it can accumulate — MCA debt creates a financial trap that is genuinely difficult to exit without outside financing.

If your business is currently carrying one or more MCA positions, Aberdeen Financial Group can restructure that debt into a manageable, lower-cost facility.

The process is straightforward. We evaluate your current MCA obligations, your monthly revenue, and your cash flow. We structure a working capital line of credit or term facility that pays off the MCA positions at closing. Instead of multiple daily debits at punishing rates, your business carries one predictable payment at a rate that allows cash flow to recover and the business to breathe.

The financial impact is significant. A business carrying $300,000 in MCA debt at an effective 70% annualized cost and refinancing it into a line of credit at market rates can recover tens of thousands of dollars in annual cash flow — capital that stays inside the business instead of going to an advance provider.

Contact us before the situation becomes unrecoverable. The earlier in the MCA cycle we can intervene, the more restructuring options are available and the better the outcome. We have helped businesses across the country restructure MCA debt and restore the financial stability needed to grow.