According to Federal News Network, roughly 320 small businesses per day are unable to access an estimated $170 million in SBA-backed loans because of the ongoing federal shutdown. For many, that funding was already earmarked for payroll, inventory, or expansion. As a result, every day of delay puts operations at risk.

For small and mid-sized companies, working capital isn’t just about growth — it’s about survival. When SBA lending programs stall or traditional bank loans slow, businesses need SBA loan alternatives that can keep cash flow steady and opportunities within reach.

That’s where Franklin Capital comes in. Our Accounts Receivable, Purchase Order, and Stretch Financing programs offer SBA working capital loan alternatives. Our financing solutions will help you move forward — quickly and with confidence.

Accounts Receivable Financing: A Fast SBA Working Capital Loan Alternative

When your customers take 30, 60, or more days to pay, waiting for cash can put your operations on hold. To make matters worse, if an SBA loan approval is delayed, the strain on your business can grow even greater. With Accounts Receivable (A/R) Financing, Franklin Capital turns your unpaid invoices into immediate working capital.

Here’s how it works: you invoice your customer, Franklin advances funds (typically within 24 hours), and when your customer pays, the remaining balance is released. It’s a simple, reliable alternative to an SBA working capital loan. As a result, your business gains instant liquidity without taking on long-term debt.

Purchase Order Financing: A Growth-Focused Alternative to SBA Loans

If your business has strong sales but limited cash to fulfill large orders, Purchase Order (PO) Financing is a powerful SBA loan alternative.

Once your product ships and you invoice the customer, the transaction can roll seamlessly into A/R financing. This allows you to keep up with demand, take on new contracts, and grow — even when SBA funding is frozen or delayed.

Stretch Financing: Flexible SBA Loan Alternative for Cash-Flow Gaps

Sometimes, the challenge isn’t a lack of sales — it’s timing. Expenses, supplier payments, or new opportunities often arise before you have the working capital to cover them. Stretch Financing bridges that gap.

This short-term working capital solution gives you access to the funds you need. It helps you cover payables, purchase new inventory, or handle operating costs.

It’s one of Franklin’s flexible SBA working capital loan alternatives. It’s designed for businesses that need speed, agility, and control over cash flow.

The Bottom Line: Choose Smart SBA Loan Alternatives that Keep Business Moving

When the government slows down, your business shouldn’t have to. Franklin Capital’s Accounts Receivable, Purchase Order, and Stretch Financing programs give you reliable SBA loan alternatives. These fast, flexible funding options support growth, stability, and opportunity.

Don’t wait for Washington. Secure the working capital your business needs today.

Contact Franklin Capital to learn more about our SBA working capital loan alternatives. We can help keep your business running strong — no matter what happens next.