Working Capital Loan
Get $5,000 to $500,000 in working capital deposited in as little as 24 hours. Keep your business running smoothly with flexible repayment terms.
Quick funding for your business
$5K – $500K
3 – 24 months
As fast as 24h
Daily / Weekly / Monthly
What Is It
A working capital loan provides short-term funding to cover your business's day-to-day operational expenses. Unlike traditional loans for specific purchases, working capital loans give you the flexibility to use funds wherever your business needs them most.Whether it's covering payroll during a slow season, stocking up on inventory before a busy period, funding a marketing campaign, or simply bridging a cash flow gap — a working capital loan keeps your business moving forward.
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Benefits
We’ve designed our working capital loan to be the fastest, most flexible option for small businesses.
Once approved, receive funds in your business account as fast as the next business day. No weeks of waiting.
Choose daily, weekly, or monthly payments. Pick the schedule that aligns with your cash flow cycle.
No mountains of documents. Just 3-6 months of bank statements and basic business info to get started.
Our working capital loans are unsecured. No need to put up business or personal assets as collateral.
Clear factor rates with no hidden fees. You'll know your total repayment cost upfront before signing anything.
Build a track record and qualify for larger amounts and better terms. Many clients renew within the first year.
Requirements
Our requirements are designed to be accessible for most small businesses. If you meet these basic criteria, you're likely a good fit.
Your business should have at least 6 months of operating history.
Minimum of $15,000 in monthly gross revenue.
An active business checking account with regular deposits.
Government-issued ID, EIN, and 3-6 months of bank statements.
If you answered yes to all, you're likely pre-qualified!
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Simulate your rates instantly by dragging sliders. We support custom timelines and dynamic merchant advances.
Calculated Payment
Important Notice: Calculated outcomes are approximations only. Final rates, durations, and credit approval are customized after verified bank review and financial verification during official underwriting.
Simple Roadmap
Applying is entirely streamlined, securely processed, and incredibly simple.
Securely submit details in less than five minutes.
Get personalized rates in just a few business hours.
Safely link business records via Plaid bank encryption.
Access capital inside your secure account within 24 hours.
Secure Submission
Our secure, encrypted system processes details with zero score impact.
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