01
Use Funds for Any Business Purpose
Payroll, inventory, marketing, equipment, rent, vendor payments, or opportunity investments. No restrictions on capital deployment.
Working Capital to Keep Business Moving
Every business faces cash flow gaps. Slow paying customers, seasonal dips, unexpected opportunities. Working capital loans bridge those gaps so you can focus on growth, not survival.
- Funding from $25,000 to $5,000,000
- Same day approval, next day funding
- No restrictions on how you use funds
What You Need to Qualify
$30,000+
Minimum Monthly Revenue
6+ months
Established Business History
TrustScore 4.4 / 5 on Trustpilot
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score
Get Working Capital in Your Account Fast
01
Tell Us Your Needs
Share your funding amount, timeline, and what you plan to use the capital for. Takes about 5 minutes.
02
Review Your Options
Receive multiple offers with different terms and rates. See exactly what each option costs before deciding.
03
Lock In Your Terms
Choose the funding option that fits your cash flow. Our team handles the paperwork efficiently.
04
Put Capital to Work
Funds arrive in your business account, typically within 24 to 48 hours. Start deploying capital immediately.
What Makes Our Working Capital Different
Understanding Working Capital Loans
Working capital loans provide the liquidity businesses need to operate day to day. Unlike term loans for major investments, these funds cover ongoing operational costs and short-term needs.
The best businesses plan for cash flow gaps before they happen. Seasonal slowdowns, large inventory purchases, delayed customer payments, or rapid growth all create legitimate capital needs. Working capital loans give you the financial flexibility to navigate these situations without disrupting operations or missing opportunities.
Working Capital Loan Details
Our working capital products are designed for speed and flexibility. Businesses use these funds to cover operating expenses, take advantage of growth opportunities, or smooth out cash flow fluctuations throughout the year.
Funds can be used for any legitimate business purpose. There are no restrictions on how you deploy your working capital.
- Loan Amounts
- $25,000 to $5,000,000
- Rates
- Starting at 1% monthly
- Terms
- 3 to 18 months
- Speed
- 24 to 48 hours
Common Uses for Working Capital
Business owners use working capital loans to address a wide range of operational needs. Here are the most common applications.
- Covering Payroll During Slow PeriodsKeep your team paid during seasonal dips or when customer payments run behind. Retaining good employees is critical for business continuity.
- Purchasing Inventory Ahead of DemandStock up before busy seasons or take advantage of bulk pricing from suppliers. Adequate inventory prevents lost sales.
- Funding Marketing CampaignsInvest in advertising, promotions, or market expansion when you see opportunity. Marketing often requires upfront spend before returns materialize.
- Managing Vendor Payment TermsPay suppliers on time to maintain relationships and capture early payment discounts. Strong vendor relationships support long-term growth.
- Covering Emergency RepairsEquipment breakdowns and facility issues cannot wait. Working capital ensures you can address problems immediately.
- Bridging Gaps in ReceivablesWhen customers pay net 30, 60, or 90, your bills still come due. Working capital bridges the gap between invoicing and payment.
Credit Requirements for Working Capital
Working capital loans are available across a range of credit profiles. Your business performance often matters more than your personal credit score.
- Strong monthly revenue increases approval odds
- Consistent bank deposits demonstrate stability
- Time in business builds lender confidence
- Industry type affects risk assessment
Good news
Business owners with credit scores from 500 to 800 successfully qualify for working capital every day. We have options for various credit situations.
Excellent Credit (700+)
Lowest rates, highest amounts, longest terms available
760Score
Fair Credit (500-699)
Competitive options based on business revenue and performance
502Score
Working Capital Financing Trends
82%
of small businesses experience cash flow issues at some point. Working capital provides the buffer to navigate these challenges.
Source: QuickBooks State of Cash Flow Survey
$250K
average working capital loan amount for small businesses. Most are used for inventory, payroll, and operational expenses.
Source: Industry Analysis 2023
6 months
most common term length for working capital loans. Short terms mean fast repayment and lower total cost of capital.
Source: Lending Market Data
Evaluating Working Capital Loans
Pros
- Fast access to capital when you need it most
- No restrictions on fund usage for business purposes
- Fixed payment schedule simplifies cash flow planning
- No collateral required for most loan amounts
- Build business credit with consistent payments
- Renew and scale funding as your business grows
Cons
- Higher cost than long-term bank loans
- Shorter repayment periods than traditional financing
- Requires consistent revenue to qualify
- May need personal guarantee depending on loan size
Compare Working Capital to Other Products
| Loan Type | Max Amount | Rates | Speed |
|---|---|---|---|
| Working Capital Loan | $25K to $5M | 1% to 4% monthly | 24 to 48 hours |
| Business Line of Credit | $25K to $5M | 1% to 3% monthly | 1 to 3 days |
| Merchant Cash Advance | $10K to $5M | Factor 1.1 to 1.5 | 1 to 2 days |
| Business Term Loan | $50K to $5M | 6% to 25% APR | 1 to 3 days |
| Revenue Based Financing | $10K to $5M | 1% to 6% monthly | 1 to 2 days |
Working Capital Qualification Requirements
- Credit Score
- 500+
- Monthly Revenue
- $15K+
- Time in Business
- 6+ months
Apply for Working Capital Today
The application takes minutes, and most business owners receive a funding decision the same day. No lengthy paperwork or waiting.
Get Started NowStep 1: Online Application
Provide basic information about your business, including revenue, industry, and funding needs. Takes approximately 5 minutes.
Step 2: Document Upload
Upload your last 3 months of business bank statements. Additional documents may be requested for larger funding amounts.
Step 3: Select Your Offer
Review funding offers, compare terms and costs, and choose the option that best fits your business needs and cash flow.
Alternative Funding Options
Depending on your situation, these products might also meet your business needs.
Working Capital by Industry
Specialized working capital programs with terms tailored to specific industry needs.
FAQs
Working Capital Loan Questions
Working capital loans are designed for short-term operational needs and typically have terms of 3 to 18 months. Term loans are for larger investments with longer repayment periods of 2 to 5 years or more. Working capital is better suited for cash flow management and immediate expenses.
Yes, working capital loans have no restrictions on business use. Payroll, inventory, marketing, rent, equipment repairs, vendor payments, and any other legitimate business expense can be covered with these funds.
Most working capital loans fund within 24 to 48 hours after approval. Some same-day funding options are available depending on when your application is submitted and approved.
Most working capital loans are unsecured, meaning no collateral is required. For larger amounts or certain credit profiles, lenders may request a UCC filing or personal guarantee, but physical assets are rarely needed.
Working capital loans are available for credit scores starting at 500. Higher scores typically qualify for better rates and terms, but strong business revenue can offset credit challenges.
Most working capital loans feature fixed daily or weekly payments debited directly from your business bank account. This structure provides predictable budgeting and fast repayment.
Many lenders offer early payoff options with reduced fees. Check with your funding advisor about prepayment terms for your specific offer.
Working capital amounts typically range from $25,000 to $5,000,000 based on your monthly revenue, time in business, and overall business health. Most businesses qualify for 10% to 20% of their annual revenue.
Some lenders report payment history to business credit bureaus. Consistent on-time payments can help build your business credit profile and improve future financing options.
Basic requirements include 3 months of business bank statements, a valid ID, and proof of business ownership. Larger loan amounts may require additional documentation like tax returns or financial statements.
Get Working Capital Today
Apply in minutes and receive funding decisions fast. Our team is ready to help you find the right working capital solution.
How much funding do you need?
Drag the slider or type an amount
$
$20K$5M
Only Takes 30 Seconds
Applying is free and won't impact your credit score