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Funding program

Working Capital Loan

Capital in days — not weeks — to keep operations moving.

Funding amount
Up to $1M
Repayment
Daily or weekly ACH
Starting rate
4.5%
Time frame
1–2 days

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Working Capital

Is it right for you?

Pick working capital when the business is healthy but the cash lands later than the bills do.

Check my options

Often used for

  • Making payroll on time
  • Rent and utilities
  • Restocking inventory
  • Covering slow-paying invoices

The basics

What a working capital actually is

Working capital funding covers the gap between work done and work paid for. Payroll lands on a schedule; invoices do not. This closes the distance so the business does not feel it.

Repayment comes out daily or weekly by ACH, which keeps each individual payment small and matched to trading rather than landing in one lump at month end.

Covers the everyday.
Payroll, rent, stock, and the bills that do not wait.
Small, frequent payments.
Daily or weekly ACH rather than one monthly hit.
Quick to arrange.
Most files are funded within one to two days.

Step by step

How a working capital works

  1. Tell us the gapHow much you need to keep things running, and a few basics about the business.
  2. Pick the offer that fits your cash flowCompare amounts and payment schedules side by side.
  3. Funds in 1–2 daysRepayment comes out daily or weekly by ACH, in small amounts.

Start my application

A pre-approval being shaped into terms that fit.

Qualifying

What lenders look at

No single number decides it. Lenders weigh the whole picture of the business.

  • Daily bank activitySteady deposits show the account can carry small, frequent payments.
  • Monthly revenueSets how much the business can take on.
  • Time in businessAn established business tends to qualify for more.
  • CreditOne factor, weighed alongside revenue.

Good to know

The upside

  • Small, frequent payments instead of one big one
  • Covers everyday costs, with no restrictions on use
  • Quick to arrange when timing matters

Worth weighing

  • Daily or weekly debits need steady cash in the account
  • Not built for long-term investments, where a term loan fits better

Every offer shows its full cost and terms before you decide, and a specialist goes through them with you.

Why apply with us

One application, 50+ lenders competing for it.

  • A real person reads your fileA U.S.-based specialist reviews every application. No bots, no runaround.
  • 50+ lenders, one applicationYour file goes to the whole network at once, so the offers compete for you.
  • Prices up frontEvery offer comes with its full cost and term before you decide. No surprise fees.
  • American small business onlyFrom one-person shops to multi-location companies — it is all this team does.
A U.S.-based specialist, reading a file rather than scoring it.

Questions

Working Capital, answered

Still deciding? Call (844) 312-1444 and a specialist will talk it through.

What counts as working capital?

The everyday costs of running the business: payroll, rent, inventory, utilities and the bills that don't wait.

Why daily or weekly payments?

Smaller, more frequent payments match how money moves through most businesses, so no single payment lands hard.

Can I get more later?

Many owners renew once a good share has been repaid. Your specialist can tell you when you'd be eligible.

Will applying hurt my credit score?

No. Checking your options uses a soft pull, which does not affect your score. A hard pull only happens if you choose to go ahead with a specific offer, and only with your permission.

Get a free quote

Get a free quote.

One application, real offers, and no obligation to take any of them. Starting does not affect your credit.

Rather talk to somebody first? (844) 312-1444.

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