Working Capital Loans
Fast capital for day-to-day operations. Cover payroll, inventory, and expenses without missing a beat. Fuel your growth with flexible working capital.
Common Uses for Working Capital
Perfect for day-to-day business operations and short-term needs.
Payroll Coverage
Meet payroll obligations during slow seasons or growth phases.
Inventory Purchases
Stock up on inventory to meet customer demand.
Marketing Campaigns
Fund advertising and marketing to grow your customer base.
Cash Flow Gaps
Bridge the gap between payables and receivables.
Equipment Repairs
Handle unexpected repairs and maintenance needs.
Supplier Payments
Take advantage of early payment discounts from suppliers.
Why Choose a Working Capital Loan?
Working capital loans provide quick access to funds for everyday business operations. With flexible repayment options and fast approval, you can keep your business running smoothly during any situation.
- Fast approval in as little as 6 hours
- Flexible daily or weekly repayment options
- No collateral required
- Early payoff discounts available
- Build business credit with on-time payments
"The working capital loan saved our restaurant during a slow winter season. We were able to keep our staff and come back strong in spring. The flexible payments matched our cash flow perfectly."
How It Works
Three simple steps to get working capital.
Apply in Minutes
Simple online or phone application with basic business information.
Get Matched
Specialist offers tailored options at no cost to you.
Get Funded
Receive funds within 24 hours of completing your application.
We Fund Nearly All Industries
Working capital for businesses across all industries.
Working Capital FAQ
Working capital loans are designed for short-term operational needs with flexible repayment options (daily or weekly). Term loans provide lump-sum funding with fixed monthly payments over longer periods. Working capital is best for everyday expenses, while term loans are better for major investments.
Working capital loans typically use daily or weekly ACH withdrawals from your business bank account. This aligns payments with your cash flow, making it easier to manage. Some programs offer percentage-based repayment tied to your daily sales.
Yes! Working capital can be used for any business purpose: payroll, inventory, rent, marketing, repairs, supplier payments, or any operational expense. There are no restrictions on how you use the capital.
Generally, you'll need at least 6 months in business and $10,000+ in monthly revenue. Credit is considered but isn't the only factor - your business performance and cash flow are more important for approval.
Most approvals happen within 6-24 hours, and funding is typically deposited within 24-48 hours of acceptance. Working capital loans are designed for speed when you need capital quickly.
Need Working Capital?
Get funded in 24 hours with no collateral required.
Get Your Free QuoteOr call us at (877) 205-4545