Keep Your Business Running Smoothly Every Day

Bridge cash flow gaps, cover everyday expenses, and maintain momentum during slow seasons with flexible working capital.

$75,000

Avg. Working Capital Amount

1-3 Days

Time to Funding

78%

Approval Rate

64%

Repeat Borrower Rate

What Is Working Capital?

Working capital funding provides businesses with the liquid cash needed to manage day-to-day operations when revenue cycles do not perfectly align with expenses. Every business faces timing gaps -- a retailer waiting on seasonal sales, a contractor waiting on client payments, or a restaurant navigating the slow months between holidays. Working capital loans and lines of credit fill those gaps so you never have to choose between paying suppliers and meeting payroll. Unlike purpose-specific loans, working capital can be used for virtually any operational expense: rent, utilities, supplier invoices, insurance premiums, or short-term staffing needs. This flexibility makes it one of the most popular funding types for small businesses across every industry. Approval decisions often weigh your monthly revenue and cash flow consistency more heavily than your personal credit score, which means businesses with strong sales but imperfect credit can still qualify. Funding amounts typically range from $5,000 to $500,000, with repayment terms between 3 and 24 months. Many lenders offer daily or weekly automatic repayments tied to your revenue, so payments scale with your business performance. For seasonal businesses or companies experiencing rapid growth, working capital can be the difference between stalling out and capitalizing on the next opportunity. The goal is simple: give you enough breathing room to operate without interruption while your receivables, contracts, or seasonal revenue catch up.

Key Benefits

Flexible Use of Funds

Unlike equipment or real estate loans, working capital can be applied to any operational expense -- rent, payroll, inventory, marketing, or supplier payments.

Fast Access to Cash

Many working capital products fund within 24 to 72 hours, so you can address urgent needs without weeks of waiting.

Revenue-Based Repayment Options

Some lenders offer repayments that flex with your daily sales, so you pay less during slow periods and more when business is strong.

Bridge Seasonal Gaps

If your business earns 60% of its revenue in three months, working capital keeps the lights on during the other nine.

No Collateral Required

Most working capital loans are unsecured, meaning you do not need to pledge equipment, real estate, or other assets.

Maintain Supplier Relationships

Paying vendors on time -- or even early to capture discounts -- strengthens your supply chain and negotiating position.

How It Works

1

Submit a Quick Application

Provide basic business details, your monthly revenue figures, and how much working capital you need. The form takes about 10 minutes.

2

Receive Tailored Offers

Our network of lenders reviews your profile and sends back customized offers with different amounts, rates, and repayment schedules.

3

Accept and Get Funded

Choose the offer that works best for your cash flow. Funds are deposited directly into your business bank account, often within 1-3 business days.

Eligibility Requirements

  • At least 4 months in business
  • Minimum monthly revenue of $10,000
  • Active U.S. business checking account
  • No active bankruptcy filings
  • Consistent monthly bank deposits
  • Valid business license or EIN
January and February are dead months for our salon. Last year we nearly missed rent. This year we secured a $30K working capital line before the slow season hit and it made all the difference -- we stayed current on everything and even ran a marketing push.
Danielle R. Luxe Hair Studio, Atlanta, GA

Working Capital FAQs

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