Fast, flexible funding to keep your daily operations running — payroll, inventory, rent, and the unexpected.
Loan Amount$10,000 – $500,000
Term3 – 24 months
Funding TimeAs fast as 24 hours
Min Credit Score550
Min Monthly Revenue$10,000+
Overview
Working capital funding is built for the operational moments that can't wait — covering payroll, restocking inventory, paying rent, or handling unexpected expenses. Approvals are based primarily on recent business revenue and cash flow rather than tax returns or balance sheets.
With minimal paperwork and decisions in hours rather than weeks, working capital is the fastest way to put cash to work in your business when timing matters more than the lowest possible rate.
Working capital is the most accessible product in the small-business capital stack. The trade-off is straightforward: you pay more per dollar than you would on an SBA loan or term loan, but you get cash in 24 hours with 550 FICO and 6 months of operating history. For many businesses, that speed-vs-cost trade is exactly the right call — a $5,000 cost to capture a $25,000 opportunity is a great trade.
Pricing is usually expressed as a factor rate (e.g., 1.15–1.40) on the total advance, repaid daily or weekly over 3–24 months. On an annualized basis that pencils out to 25–60% APR, sometimes higher. Rates and terms vary by lender and borrower profile. The right question isn't "is this expensive?" — it's "does the use of these funds generate more than they cost over the term?"
A common borrower archetype: a restaurant doing $40K/month gets a $30,000 working capital advance Monday morning to replace a failed walk-in cooler the same afternoon, preventing a week of lost revenue. By the time the advance is paid off six months later, the cooler has paid for itself many times over. That's the working capital math. For larger or longer-horizon needs, talk to an advisor at /contact or apply with assistance.
Benefits
Funding in 24 Hours
The fastest product we offer — apply in the morning and many businesses see funds the same day.
Minimal Paperwork
Bank statements and a basic application — no tax returns, no full financial statements.
Flexible Credit Requirements
550+ credit qualifies for most working capital products, making fast funding accessible to more business owners.
Who typically qualifies for working capital
Credit score of 550+ (higher scores get better pricing and longer terms)
At least 6 months in business
Monthly revenue of $10,000+ ($120K+ annual)
Active business checking account with 3+ months of statements
Average daily balance that supports a daily or weekly repayment
No more than one open MCA / cash advance position (lenders limit stacking)
Documentation: 3–6 months of bank statements, application, ID, and voided check
How working capital funding works
Apply in minutes
One-page application — business name, EIN, revenue, requested amount. Soft credit pull. No tax returns required.
Connect bank statements
Securely link your business bank or upload 3–6 months of statements. This is the primary underwriting input.
Receive offers
Most files get offers within hours. You'll see advance amount, factor rate, term, payment frequency, and total dollar cost.
Accept and verify
Sign electronically, complete a quick verification call, and confirm your funding account.
Funded in 24 hours
Funds arrive in your business account same-day or next-business-day. Repayments begin per the agreed schedule.
What you can use working capital for
Emergency equipment replacement
When critical equipment fails — a walk-in cooler, a delivery van, a production line — working capital gets it replaced in 24 hours, not 30 days.
Cover payroll during a cash crunch
Bridge an AR delay or a slow week so paychecks clear on time. Loss of a key employee is far more expensive than the cost of capital.
Take a time-sensitive opportunity
A bulk inventory discount, a one-time supplier liquidation, a competitor's customer base for sale — opportunities with a clock benefit from fast capital.
Bridge a slow season
Cover fixed costs during 60–90 days of seasonal slowdown without depleting reserves.
Hire fast
Bring on a new salesperson or technician immediately when a key customer needs more capacity — and pay back as the new revenue arrives.
Fund a marketing test
Run a 60–90 day paid ad test or trade-show booth where the math will be obvious by the time the advance is half paid off.
How working capital compares
vs Business Term Loan
Working capital is faster, term loan is cheaper
A term loan takes 2–5 days at lower APR but requires 600+ FICO and 12+ months in business. Working capital takes 24 hours and accepts 550 FICO. Learn more
vs SBA Loans
Different use cases entirely
SBA loans take 30–90 days for $250K+ planned investments. Working capital is for fast, short-term operational needs under $500K. Learn more
vs Business Line of Credit
Line of credit beats working capital for repeat users
A line of credit is cheaper per dollar if you can qualify (600+ FICO). Working capital is the right answer when you can't, or when you need cash today. Learn more
Ready to apply for Working Capital?
Get matched in minutes. No hard credit pull, no obligation.
Disclaimer: The above information is provided as a guideline. Some loan conditions may fall outside of these parameters. We recommend that you speak with one of our advisors before taking any course of action based on this information.
