Working Capital Financing

Fast funding for your day-to-day business operations

What is Working Capital Financing?

Working Capital Financing provides immediate cash flow to cover your daily business operations such as payroll, rent, inventory purchases, vendor payments, and other short-term expenses. This financing solution is designed for businesses that need quick access to capital without the lengthy approval process of traditional bank loans.

Funds can be in your bank account in as little as 24 hours, making it perfect for time-sensitive opportunities or urgent business needs.

💡 Perfect For:

Businesses with seasonal revenue fluctuations, urgent payroll needs, inventory purchases, or those who need to seize time-sensitive opportunities.

Advantages & Considerations

✓ Advantages

  • Funds in your account within 24 hours
  • Simple application process
  • Minimal documentation required
  • No collateral needed in many cases
  • Flexible use of funds
  • Available for businesses with lower credit scores
  • Fast approval decisions
  • Funding amounts from $5,000 to $500,000+

⚠ Considerations

  • Higher cost compared to traditional loans
  • Short repayment terms (3-18 months typical)
  • Daily or weekly payment schedules common
  • Factor rates can range from $0.20 to $0.45 per dollar
  • May require personal guarantee
  • Not ideal for long-term financing needs

Qualification Requirements

  • Time in Business: Minimum 6 months of operation
  • Monthly Revenue: At least $10,000 in monthly business income
  • Bank Statements: Last 3-6 months of business bank statements
  • Credit Score: Flexible - lower credit scores accepted
  • Application: Simple one-page application form
  • Business Type: Most business types eligible

Common Uses for Working Capital

💰 Payroll

Make payroll on time, every time

📦 Inventory

Purchase inventory for seasonal demand

🏢 Rent & Utilities

Cover operational expenses

📢 Marketing

Fund advertising campaigns

🔧 Repairs

Emergency repairs and maintenance

📈 Growth

Seize business opportunities

How Does It Work?

1. Apply: Complete our simple one-page application online.

2. Submit Documents: Provide recent bank statements and basic business information.

3. Get Approved: Receive approval within hours with clear funding terms.

4. Review Offer: Review your funding amount, factor rate, and repayment schedule.

5. Receive Funds: Accept the offer and receive funds in your account within 24 hours.

Key Benefits for Your Business

  • ✓ Approval in as little as 4 hours
  • ✓ Funding from $5,000 to $500,000+
  • ✓ Same-day or next-day funding
  • ✓ Use funds for any business purpose
  • ✓ No penalty for early repayment
  • ✓ Flexible repayment options

Ready to Apply?

Get working capital in your account within 24 hours

Apply Now