When Clients Slow Down
When a key client cuts or delays orders due to war, economic uncertainty, or supply chain issues, your revenue drops but fixed costs remain. Payroll, rent, and operating expenses still need to be paid. That creates a cash flow gap. A working capital loan, line of credit, or SBA loan can bridge it until orders recover.
Working Capital to Bridge the Gap
A working capital loan provides a lump sum to cover payroll, rent, and operating expenses when revenue lags. Repay over 6–24 months as orders return. Ideal when you have a clear timeline and expect the slowdown to be temporary.
Lines of Credit for Flexibility
A business line of credit lets you draw as needed and repay over time. Use it when the gap duration is uncertain or when you need flexibility to manage multiple cash flow dips. Pay interest only on what you use.
SBA Loans for Larger Needs
SBA 7(a) loans can fund larger working capital needs with longer terms and competitive rates. The process takes longer than many alternatives, but if you need a substantial bridge and have time, SBA may be a fit. See SBA loans during wartime economic uncertainty for what to expect.
Final Thoughts
When a key client slows orders due to war or economic uncertainty, you need a bridge. Working capital loans, lines of credit, and SBA loans can provide it. Get matched with lenders who fit your business.