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Working Capital Business Funding.

Large Loan Amounts: Funding up to $2,000,000

Fixed, Affordable Payments: Terms up to 18 months

Fast Funding Timeframe: Within as little 24-hours

Dedicated Advisor: A specialist for every application.


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Short-term funding for your short-term business needs. Cover
operational expenses, bridge cash flow gaps, and keep your business moving — without locking yourself into years of debt.

Let's Get Down To Small Business

Under $10,000
$10,000-$20,000
$20,000-$50,000
$50,000-$100,000
$100,000-$150,000
$150,000-$300,000
$300,000+
Working capital
Buy equipment
Inventory
Cover payroll
Job materials
Consolidate debt
Other reason
0-6 months
6-12 months
1-2 years
2-5 years
5+ years
Today
Within 24-48 hours
Sometime this week
Within 1-3 weeks
I'm in no rush

🔒 Pre-qualification will not affect your credit score.

Funding Amounts

$10,000 - $2,000,000

Repayment Terms

3 - 18 months

Timeline To Funding

Less than 24 hours

The Role Of Working Capital Funding.

Most businesses don't struggle because they aren't profitable—they struggle because cash doesn't arrive when expenses are due. Payroll, rent, inventory, and vendor payments operate on fixed schedules, while revenue often doesn't.

Delayed payments, seasonal slowdowns, or uneven revenue cycles can create short-term pressure even in otherwise healthy businesses. A Working Capital Loan exists specifically to solve this timing mismatch. It provides fast, short-term liquidity to keep operations moving while revenue catches up.

What Is Working Capital Funding?

A Working Capital Loan is a short-term funding solution designed to help small businesses cover their day-to-day operating expenses. Whether it's managing cash flow shortages during slow seasons, handling unexpected costs, or investing in short-term opportunities, these loans bridge the temporary gap between income and expenses. With fast approval times and minimal paperwork, Working Capital Loans allow businesses to maintain operational stability even during periods of cash flow disruption.

Find out how much funding your business is eligible for.

What Can Working Capital Funding Be Used For?

Because of its shorter repayment terms, this option is not intended for large expenditures or long-term investments, but rather to support the short-term operational needs of the business. Strategic usage of Working Capital Loans can effectively handle temporary cash flow imbalances and set your business up for long-term success.



Day-to-Day Expenses

For the everyday things that keep your business' lights on — even the lights themselves.

Covering Payroll Costs

When payday conveniently falls on the same day that opportunity of a lifetime presents itself.

Unexpected Expenses

It happens to the best of us. For those things, both good and bad, that you never see coming.

Managing Cash Flow

Managing the ebbs and flows and ups and downs is a reality every business owner knows.

Marketing or Advertising

Because you have an invaluable service to provide and the world should know about it.

Restocking Inventory

Every business needs a product or service to sell. For when yours starts to get a little too low.

Project or Job Supplies

While you're still waiting to get paid for the last job, but need the capital start on the next one.

Any Short-Term Need

Any situation you can think of that you wouldn't still want to be paying for in 1+ years from now.




Unsure if it's a fit? Check out the funding product use case evaluation for guidance,
or schedule a complementary funding consultation to discuss your specific needs.

The Benefits Of Working Capital Loans For Small Businesses.

Cash flow doesn't always move in a straight line. Working Capital Loans provide businesses with the flexibility to respond quickly, maintain stability, and keep moving forward—even when timing and revenue don't perfectly align.

Flexible Repayment

With a repayment term that based entirely on your business' revenue, even the most seasonal businesses will find this to be the most affordable of funding options.

Minimal Documents

You won't be weighed down with paperwork with this option. Document requirements are minimal, needing only an application and your most recent 4 months bank statements.

Easy To Qualify

Undoubtedly, the easiest type of funding for any business to secure. The requirements are few, allowing small businesses with less than perfect credit to qualify.

Fastest Time To Fund

Need to move quickly? That's what this option is best known for: the speed. With the entire funding process taking mere hours — you can't get any faster than this.

How To Qualify For
Working Capital Funding.

These requirements are a general rule of thumb, but by no means are they set in stone. Certain exceptions can be made, depending on the circumstances. If you're unsure if you qualify, contact us for a personalized assessment.

Generally, qualified applicants met the following criteria:

Minimum Revenue

Minimum of $20,000 of average monthly revenue

Minimum Time In Business

Minimum time in business of at least 12 months or longer

Payment History

No active judgments or unresolved defaults on previous funding

Minimum Credit Score

Minimum personal credit score of at least 550 or higher

Curious what comes next? See how the funding process works.

The Application Process For Working Capital.

Applying for a Working Capital Loan is simple with our streamlined process that assures you get the support you need without the headaches or the hassle.

With minimal paperwork and a quick turnaround, securing the right funding has never been easier.

Step 1: Complete Your Application

Fill out our funding application with basic business details and most recent business bank statements.

Step 2: Get Approved For Funding

Our team will review your submission and provide tailored funding offers that suit your unique needs.

Step 3: Receive Your Funding Fast

Your business will receive funds in as little as 24-hours to help you manage cash flow and grow.

Check your business' Fundability Score and see where you stand.

Get Started With Working Capital
Funding For Your Business.

Gaps in cash flow can disrupt your business fast. Having access to working capital isn't a luxury — it's what keeps your operations running day to day. You've seen what a Working Capital Loan can do for you. Now see how much your business qualifies for.

APPLY NOW AND GET FUNDED TODAY

Not quite the right fit for your business?

Explore these other funding options.

Cash Flow Funding

LEARN MORE

Business Line Of Credit

LEARN MORE

Merchant Cash Advance

LEARN MORE

All Funding Options

LEARN MORE

Find the right funding product for your business.

What uses are Working Capital Loans best suited for?

Working Capital Loans are designed to cover short-term operational expenses — things like payroll, inventory, marketing, or bridging cash flow gaps during slower periods. They're ideal when you need flexible funding to keep operations running smoothly without committing to a long-term loan.

What they're NOT suited for: major equipment purchases, real estate, business acquisitions, or any expense that will take years to pay off. If the need outlasts the repayment term, then a Working Capital Loan is not the right fit.

How do I know if a Working Capital Loan is suitable for my business?

Ask yourself: Is this expense short-term or long-term? If you need a solution for a short-term need, like to cover payroll, stock up on inventory, or manage a seasonal dip, a Working Capital Loan is a great fit.

However, if you're looking to buy equipment, or if you're investing in real estate, or making major upgrades or renovations to your location, a Working Capital Loan is not the right funding solution. Working Capital Loans are built to solve immediate, operational needs — not to fund long-term assets.

Not sure which type of funding fits your situation? Use our Use Case Analysis to help you determine which funding option is best for you.

Can I qualify for a Working Capital Loan if I have bad credit?

Absolutely. While traditional lenders heavily weigh credit scores, our position is that your credit score has absolutely no bearing on your ability to repay a loan. Our Working Capital Loans focus on your business' cash flow and overall financial health. If your business generates consistent revenue and has a solid track record, you will qualify.

Our goal is to provide funding solutions that are accessible and realistic, even for businesses with less-than-perfect credit. Plus, Working Capital Loans can help you establish a credit history by demonstrating responsible repayment, making future funding even easier to obtain.

Aren't Working Capital Loans more expensive than traditional funding?

Not necessarily. And this is one of the most misunderstood comparisons in business funding. When comparing a multi-year repayment term with a short-term repayment, of course, the short-term option will appear more expensive. In reality, the cost of traditional funding works out to be very comparable, and in some cases, even more expensive than the shorter-term alternative.

When you add up the compounding interest, fees, collateral requirements, and personal guarantees, most small business owners end up with depleted credit scores and an increased debt-to-income ratio that ties up their future borrowing power, putting their businesses in a very vulnerable position.

On the other hand, short-term loans are designed to address immediate needs and provide a financial safety net, ensuring you have the agility to adapt to unexpected challenges without being overleveraged.

The real question isn't "which is cheaper?" The question that should be asked is, "which is right for what I need?" Matching the funding to the need is what keeps your business healthy.

How can I be sure a Working Capital Loan is affordable for my business?

Short-term funding often comes with higher payments than long-term loans, which can seem intimidating at first. However, what many business owners don't realize is that Working Capital Loans are designed to be the most affordable financing option available. Unlike traditional fixed-payment loans, Working Capital Loans are revenue-based, meaning payments adjust according to your business's cash flow.

Each month, your repayment is calculated as a fixed Specified Percentage (usually around 15%) of your gross monthly revenue, ensuring that you always retain 85% of your income to cover operating costs. If your revenue decreases, you can request a reconciliation to adjust your payment accordingly—something you're legally entitled to do every 30 days.

Since these loans are unsecured and often don't require a personal guarantee, funders have every incentive to ensure your business remains successful and profitable. They win when you win—making Working Capital Loans an incredibly flexible and sustainable solution for managing short-term expenses.

FAQs About Working Capital Funding.

Understanding how Working Capital Loans work, their unique benefits, and whether it's the right fit for your business is crucial to making the best financial decisions for your business. Check out our frequently asked questions to get the insights you need.

If you have a question that wasn't covered here, you can contact us or you can schedule a funding consultation to review your specific situation with a dedicated funding consultant.

Related Resources.