- Amount
- $10,000 – $1 million
- Term
- 3 – 24 months
- Speed
- Same day to 72 hours
Working capital financing exists to smooth the gap between money going out and money coming in. It is short by design: the point is to cover a defined operating need and repay it out of the revenue that need produces.
Because the terms are short and the approval fast, working capital facilities are underwritten mostly on revenue and bank activity rather than on collateral. That makes them accessible, and it also makes them more expensive per dollar than a long-term loan — they are the right tool for a timing problem, not a structural one.
Commonly used for
- Making payroll through a slow month
- Buying inventory ahead of a busy season
- Covering a gap while receivables clear
- Funding a marketing push with a measurable payback
- Unexpected repairs or replacement costs
What it generally takes to qualify
- At least one year in business
- Around $15,000 or more in monthly revenue
- A credit score of roughly 500 or better
Guidelines, not hard cut-offs — tell us the situation and we will tell you where it stands.
Questions
How quickly can this fund?
Same-day funding is common for smaller amounts when bank statements are clean and the paperwork comes back promptly.
Will this affect my credit?
Making an inquiry does not. A formal application with a lender may involve a credit pull — you will be told before that happens.
Can I repay early?
Usually yes, and on short-term products early repayment often reduces the total cost. Confirm the specific terms before you commit.
Related products
Apply for working capital loan
A few minutes, no cost and no credit pull. The application is specific to this product.
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