Working Capital Loans
Working capital funding provides the cash flow you need to cover daily operations, manage payroll, purchase inventory, and handle unexpected expenses without missing a beat.
What is Working Capital?
Working capital financing is short-term funding designed to cover a company's everyday operational expenses rather than long-term assets or investments. It bridges the gap between accounts payable and accounts receivable, ensuring your business has the liquidity to operate smoothly even during seasonal dips or while waiting for client payments.
When running a growing company, having access to reliable capital is essential. The right working capital can provide the leverage needed to overcome cash flow hurdles, invest in high-ROI opportunities, and scale operations without giving up equity or control of your business.
Key Benefits
Rates, Terms & Timeline
Rates
Working capital loans often use factor rates rather than APRs, meaning you pay a fixed fee on the borrowed amount. Pricing is based heavily on the strength and consistency of your cash flow.
Terms
These are short-term solutions, with repayment terms typically ranging from 3 to 18 months. Payments are usually made daily or weekly to align with your business cash flow.
Timeline
Working capital is our fastest funding option. Approvals often happen within hours, and funds can be deposited the same day or within 24 hours.
How It Compares
Working capital financing is faster and easier to qualify for than traditional term loans or SBA loans, making it perfect for urgent needs. However, because the terms are shorter, the periodic payments are higher than long-term debt.
Frequently Asked Questions
Is a working capital loan the same as a merchant cash advance?
They are similar short-term solutions, but a working capital loan usually has fixed payments, while an MCA fluctuates with your sales.
Can I use working capital to buy equipment?
While you can, it's usually better to use Equipment Financing for large assets and save your working capital for daily operational needs.
How fast can I get additional working capital?
Once you establish a payment history, renewing or securing additional working capital is often a seamless, same-day process.
Qualification Requirements
- Minimum $10,000/month in revenue
- 3 to 6+ months in business
- Consistent daily or weekly bank deposits
- All credit profiles considered
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