Working Capital Loans
Keep cash flow steady
Amount
$10K – $250K
Approval
Revenue-based
Decision
Same day
Overview
Working capital funding smooths out the gap between money going out and money coming in. Instead of underwriting purely on credit history, we look at the real health of your business — your revenue, your deposits, and your trajectory.
It's the right tool when the need is operational rather than a one-time purchase: making payroll during a slow month, stocking up ahead of a busy season, or bridging the wait on outstanding invoices.
Key highlights
- Revenue-based approval
- Minimal paperwork
- Flexible repayment
- Great for seasonal businesses
What it's best for
Cover seasonal payroll
Keep your team paid through a slow stretch and repay when revenue rebounds.
Stock up before peak season
Buy inventory ahead of demand so you never miss a sale.
Bridge slow-paying invoices
Access cash now instead of waiting 30–90 days on receivables.
Typical requirements
- 4+ months in business
- $15K+ average monthly revenue
- Consistent business deposits
- Active business checking account
Requirements are guidelines, not hard cutoffs — we look at the whole business. Prequalifying never affects your credit score.
Frequently asked
Do I need great credit?
No. Approval is based primarily on your business revenue and deposit history.
How fast can I get funded?
Most working capital decisions are same-day with funding shortly after.
Other funding options
Ready to move on Working Capital Loans?
Prequalify with no hard credit pull and get a decision in as little as 4 hours.
Get Started