Working Capital Loans
Fund your path forward with financing on demand.
Financing at your fingertips ready to work for you, whenever you need it. From $5K up to $500K in as little as 24 hours.
Working Capital Loans Built For Businesses.
Maintain Daily Operations
From payroll to rent, working capital loans help you cover everyday expenses so you can focus on growth, not short-term cash gaps.
Seize Growth Opportunities
Use working capital to invest in inventory, equipment, or marketing so you never have to miss out on a chance to grow.
Bridge Seasonal Cash Flow Gaps
Seasonal slowdowns? No problem. Working capital loans provide the cushion you need to stay stable year-round.
The Working Capital Loans Built for Small Business
Repairs
Inventory
Payroll
Cash Flow
Minor Expenses
Have big plans for your business? Put your Working Capital Loans to work for everything you need to move forward.
Are we a good fit for your business?
If your business meets the following basic criteria, our all-digital application process will have us on the way to helping you in minutes.
Apply Online, Hassle-Free
1
See if you’re eligible
In just a few clicks, check if your business is eligible to apply for a loan.
2
Apply online
We’ll ask for information about you, your business, its leadership and shareholders.
3
Sign and receive your funds
Once your application is approved, the funds will be directly deposited into your account.
Hear From Our Clients
Trusted By Businesses Like Yours
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"Kacu made the loan process incredibly simple. I applied online, got approved within hours, and had funds in my account the next day. Customer service was top-notch!"
— Ahmed M., Small Business Owner
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"Kacu was exactly what we needed when cash flow got tight. Their flexible line of credit helped us stay on top of payroll and vendor payments during a critical time."
— Michael P., Logistics Company Founder
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"The rates were competitive and the terms were clear. I used my loan from Kacu to consolidate debt, and it’s been a total game changer."
— Laura P., Marketing Consultant
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"Kacu gave me access to funds when my bank said no. They looked at the whole picture and not just my credit score. Grateful for the opportunity!"
— Melissa G., Entrepreneur
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"As a first-time borrower, I had a lot of questions. The team at Kacu was incredibly patient and helpful. I now have a line of credit that supports my seasonal business needs."
— Andre V., Landscaping Business Owner
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"The loan process with Kacu was refreshingly straightforward. Their team explained everything clearly and never made me feel rushed or pressured."
— Jon C., Apparel Business Owner
FAQs
Common Questions. Straight Answers.
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A Business Line of Credit gives you flexible access to capital. You draw funds as needed, repay over time, and reuse the credit line as you pay it down.
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It’s ideal for managing cash flow, handling unexpected expenses, or purchasing inventory. If your business has regular short-term financing needs, a line of credit offers flexibility.
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To qualify, most businesses need to show at least 6 to 12 months of operating history and a minimum annual revenue of $120,000. Credit score requirements may vary, but Kacu Lending also considers your business’s cash flow and overall health, not just your credit score.
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Fixed repayment means you repay your draw in regular daily or weekly installments with a set repayment amount.
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Unlike credit cards, a line of credit typically offers lower interest rates, higher limits, and more flexibility for larger business purchases.
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A Business Term Loan provides a lump sum up front with fixed repayments over a set period. A Business Line of Credit is revolving, so you can draw funds as needed up to your limit and repay flexibly. Term loans are ideal for big investments, while lines of credit are better for ongoing or unexpected expenses.
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You’ll typically need to provide basic business information and recent bank statements. The process is quick and 100% online.