Working capital loans for small businesses like yours.
Give your small business a boost with a working capital loan. Get $150,000 with rates as low as 13.5% and 10-year terms.
** Score & Go™ is an SBA-guaranteed business term-loan made by First Bank of the Lake in connection with the SBA 7(a) small loan program. All Score & Go™ loans must qualify for the SBA 7(a) small loan program. Other terms and conditions apply. Score & Go™ loan amounts are limited to a $25,000 minimum and a $150,000 maximum. Rate total shown is an estimate. Interest rate is a variable rate of Prime + 6.5% for loans up to $50,000 or Prime + 6% on loans between $50,000 and $150,000. Creditworthiness and other factors may affect amount, rate, and term available. Monthly payment shown is an estimate for informational purposes only based on rate, amount, and term shown. "Prime" means the U.S. prime rate published in the Money Rates Section of the Wall Street Journal. The Prime rate used to provide the above payment and rate estimate was the Prime rate in effect on 1/22/2025 which was 7.5%. The rate received at closing will be based on the then current Prime rate index which may differ from the rate used for this estimate.
What can you use a working capital loan for?
- Payroll, Hiring, and Recruitment: Ensure your employees are paid on time and fund the costs associated with growing your team. From recruiting top talent to onboarding new hires, a working capital loan can help you stay competitive.
- Marketing Campaigns: Drive growth by investing in advertising, social media, and promotional strategies. Whether you’re building brand awareness or launching a new product, these funds can fuel your efforts.
- Supplies and Materials: Keep your business running smoothly by purchasing essential products, materials or office supplies. Working capital can help you avoid disruptions caused by supply shortages.
- Accounts Payable: Pay vendors and service providers on time to maintain strong relationships and avoid late fees. This funding gives you breathing room to manage cash flow more effectively.
- Daily Operational Costs: Cover routine expenses such as rent, utilities, and transportation without stretching your budget. A working capital loan helps you focus on running your business without financial stress.
- Inventory Management: Replenish your stock to meet customer demands and prepare for busy seasons. Ensure your shelves are always full to avoid missing out on sales opportunities.
| Feature | Business Credit Card |
Score & Go Loan |
| Loan Amount | Typically $10K - $50K | $25,000 - $150,000 |
| Interest Rate | Often 20%+ APR | As low as 13.5% |
| Repayment Terms | Monthly revolving balance | Fixed 10-year term |
| Monthly Payment | Varies, based on balance | Predictable payments (~$2,284/month for max loan) |
| Fees | Annual fees, late fees, cash advance fees | No hidden fees |
| Credit Limit Increases | Not guaranteed, requires reapplication | One-time approval for full loan amount |
| Best For | Short-term, smaller expenses | Larger investments and steady cash flow |
We know how tough it can be to bridge cash flow gaps, manage surprise expenses, or scale your business in today’s fast-paced world. That’s why we’re here to provide clear, fast, and personalized funding options—without the red tape. Partner with us to keep your business moving forward.
Top 1%
+$1.1B
Top 5
2,000
Genuinely Interested in Helping My Business Succeed. First Bank of the Lake was a tremendous help in securing a 504 small business loan for my company. Every staff member I interacted with was professional, friendly, and genuinely interested in helping my business succeed.
— Don Kamb
Exceptional Service. I cannot say enough positive things about my experience working with Eric as my SBA loan officer. From start to finish, he provided exceptional service and went above and beyond to ensure that every issue we encountered was resolved quickly and efficiently.
— Bryan Crowe
Feel Like a Partnership. The First Bank of Lake was very responsive to any questions that I had and was easy to work with throughout the process. The definitely made things feel like a partnership. And that has extended to the loan servicing phase as well. I would definitely recommend them, and I have.
— Joe Holland
SBA Loan Faster Than Expected. Stacey was a pleasure to work with! She was very knowledgeable and responsive - helping us close on our SBA loan faster than expected! I would highly recommend working with her.
— Megan Dean
All loans are subject to credit approval. Restrictions and limitations may apply. First Bank of the Lake does not provide tax, legal or investment advice. All decisions concerning these matters should be made in conjunction with your professional advisors.
*Top 1% of SBA 7(a) lenders by approval amount during SBA fiscal year 2023. Top 5 SBA franchise lender by approval count during SBA fiscal years 2024 and 2023.
Approved to offer SBA loan products under SBA's Preferred lenders Program.
