5 signs your business is ready for working capital

1. You're turning down work because you can't stock or staff for it.

2. You've used personal credit cards for business expenses two months running.

3. A major equipment item is on borrowed time and a replacement would unlock growth.

4. A predictable seasonal slowdown is approaching.

5. A specific opportunity has a window — a contract, a property, a bulk-buy discount — that closes soon.

Working capital is leverage. The mistake is waiting until it's life support.