Working Capital
Fund the gap between paying out and getting paid
Inventory buys, seasonal ramps, payroll before a large invoice settles — working capital is sized to your cycle, not a generic calendar.
- $0K – $750K
- Facility size
- 0 – 18 mo
- Repayment terms
- Instant–0 hrs
- Typical approval
- 0+
- Minimum credit score
Use cases
What businesses fund with working capital
Short-duration capital for a short-duration need. If the payback is more than 18 months out, we'll point you to a term loan instead.
Inventory & supplier terms
Buy in volume, take early-payment discounts, and stop letting cash timing cap your order size.
Seasonal ramp
Staff and stock ahead of your peak, then repay out of the revenue the season produces.
Import & trade cycles
Cover production, freight, and customs while goods are in transit and unsold.
Qualifying
What we look at
- Three to six months of business bank statements
- $10,000+ in average monthly revenue
- Consistent deposit volume rather than a perfect credit file
- A clear repayment source tied to the cycle you're funding
What you'll get back from us
- Approved amount and payment schedule
- Total cost of capital in dollars, not just a rate
- Prepayment terms and any early-payoff discount
- The alternative products you also qualified for
FAQ
Working capital questions
How fast can I get funded?+
Approvals typically come instant to 2 hrs and funding lands in one to three business days.
What does it cost?+
Pricing depends on term, revenue consistency, and credit profile. Your advisor always quotes total dollar cost alongside the rate.
Can I renew or increase it?+
Yes. Most clients qualify for a larger facility after demonstrating on-time repayment on the first one.
Is collateral required?+
Usually not beyond a general business lien. Larger facilities may require specific collateral.
Close the gap this week
One short application. A dedicated advisor. Funding decisions instant to 2 hrs.