Fast Funding
Working Capital Loans — Fast Funding for Business Operations
Working capital from $100K to $50M+ — from fast revenue-based funding for everyday operating needs to large asset-backed facilities for established businesses.
Today's rate:from 12.5%
What Is a Working Capital Loan?
A working capital loan provides financing to cover the day-to-day costs of running a business — payroll, inventory, rent, supplier payments, and the cash-flow gaps caused by seasonal swings, delayed receivables, or rapid growth. Facilities range from $100K for smaller operating needs up to $50M+ for established businesses, structured as revenue-based funding or asset-backed lines secured by receivables and inventory. Smaller amounts qualify mainly on revenue and cash flow with fast, accessible approvals; larger facilities involve fuller underwriting of your financials and collateral.
Funds can arrive quickly with flexible repayment, and rates are competitive and vary by lender and your business profile. For one-time, longer-term investments, a fixed-rate business term loan may fit better; to convert unpaid revenue into cash without fixed payments, consider factoring-based financing; or compare every option side by side under business capital solutions.
From $100K to $50M+
Loan amounts up to $50M+
6-24 Months
Flexible Loan Terms
Starting at 7.99%
Starting Interest Rate
Understanding Working Capital Loans
Working capital loans provide short-term financing to cover day-to-day operational expenses. Unlike traditional term loans, these are designed to bridge temporary cash flow gaps and maintain business continuity.
How Working Capital Loans Work
Working capital loans are financing solutions that help businesses manage cash-flow fluctuations. The amount is typically based on your revenue and the strength of your receivables; smaller facilities are repaid weekly or monthly, while larger lines revolve as you draw and repay.
Fast Approval:Smaller facilities in as little as 24-48 hours; larger facilities after fuller review
Flexible Repayment:Daily, weekly, or monthly payment options
Flexible Security:Unsecured options for smaller amounts; larger facilities may be secured by receivables or inventory
Key Benefits & Features
Immediate Access to Capital
Smaller facilities can fund in as little as 24-48 hours after approval; larger facilities are structured over a fuller underwriting timeline.
Revenue-Based Qualification
Qualification based on monthly revenue rather than just credit score or collateral.
Seasonal Business Support
Ideal for businesses with seasonal fluctuations or cyclical cash flow patterns.
Build Credit History
Successful repayment helps establish and improve your business credit profile.
Real-World Use Case Examples
See how businesses across industries leverage working capital to fuel growth, manage cash flow, and seize opportunities.
Retail Inventory Boost
Scenario: A clothing retailer needs $150,000 to stock up for the holiday season but won't see sales revenue until December.
Loan Amount:$150,000
Term:6 months
Use:Holiday inventory
Result:Inventory stocked before the holiday rush
Construction Payroll Gap
Scenario: A construction company has a 60-day payment delay from a major client but needs to pay workers and suppliers immediately.
Loan Amount:$2,500,000
Term:6 months
Use:Payroll & supplies
Result:Payroll and suppliers covered during the wait
Restaurant Equipment Repair
Scenario: A restaurant's main kitchen equipment breaks down during peak season, requiring immediate replacement to avoid losing customers.
Loan Amount:$175,000
Term:12 months
Use:Equipment replacement
Outcome:Equipment replaced without draining operating cash
Industry-Specific Applications
Working capital solutions tailored to the unique needs of your industry, from retail to healthcare and beyond.
High-Volume Industries
Retail & E-commerce
Perfect for seasonal inventory builds, Black Friday preparation, and managing supplier payment terms.
- • Holiday season inventory financing
- • Supplier payment term gaps
- • Marketing campaign funding
- • Rapid expansion into new markets
Manufacturing
Bridge gaps between large orders and customer payments, fund raw material purchases.
- • Large order raw material costs
- • Equipment maintenance and repairs
- • Seasonal production ramp-up
- • Export order fulfillment
Service Industries
Professional Services
Cover project costs upfront while waiting for client payments, especially for large consulting projects.
- • Project startup costs
- • Contractor and freelancer payments
- • Technology and software investments
- • Office expansion and setup
Healthcare
Manage insurance reimbursement delays and fund practice expansion or equipment needs.
- • Insurance reimbursement gaps
- • Medical equipment purchases
- • Staff hiring and training
- • Practice expansion projects
Complete Application Process
Our streamlined process gets smaller facilities from application to funding in as little as a few business days; larger facilities follow a fuller underwriting timeline.
Step-by-Step Application
1
Initial Application (5 minutes)
Complete our online application with basic business information and funding needs.
2
Document Submission (1 hour)
Upload required documents through our secure portal.
3
Review & Approval (24-48 hours)
Our underwriting team reviews your application and provides a decision.
4
Funding (usually within a few business days)
Upon approval, funds are deposited directly into your business account.
Required Documentation
Essential Documents
Last 3 months bank statements
Business tax returns (last 2 years)
Profit & loss statements
Business license and registration
Additional Documents (if applicable)
Accounts receivable aging report
Major contract agreements
Equipment appraisals
Lease agreements
Common Uses for Working Capital
Inventory purchases
Payroll expenses
Seasonal cash flow gaps
Marketing campaigns
Operating expenses
Equipment repairs
Accounts receivable gaps
Growth opportunities
Working Capital Requirements
Credit Score:550+
Time in Business:3+ months
Monthly Revenue:$10K+
Starting Rate:Starting at 7.99%*
*Actual offered rate may vary based on borrower profile, qualification, and product terms.
Quick Approval
- • Fast approval on smaller facilities
- • Minimal documentation to start
- • Flexible repayment terms
- • Unsecured options; larger facilities may be secured
Working Capital vs. Term Loan — Which Fits Your Need?
These products solve different problems. The simplest way to choose is to ask whether you are covering short-term operating costs or funding a major one-time investment.
A working capital loan is built for the short term: payroll, inventory, rent, supplier payments, and the cash-flow gaps that come with seasonal swings or delayed receivables. Qualification leans on your monthly revenue and cash flow more than collateral, so funding is often fast and more accessible. Choose it when the need is operational and temporary rather than a long-term commitment.
If you are making a planned, one-time investment such as expansion, real estate, or major equipment, a fixed-rate business term loan usually fits better. You receive a lump sum repaid over a set term with predictable monthly payments, which spreads the cost over the life of the investment instead of straining day-to-day cash flow.
Not sure which lane you are in, or want to weigh a line of credit or factoring alongside these? Start with our business capital solutions overview to compare every option side by side and get matched to the funding that fits your goal and timeline.
Explore Related Financing Options
Compare financing options to find the best fit for your business needs
$10K–$5M
Business Lines of Credit
Revolving credit lines for flexible, on-demand access to business funding.
Learn more$25K–$5M
Term Loans
Fixed-amount business loans with predictable monthly payments over set terms.
Learn moreUp to $500K
SBA Express Loans
Fast SBA approval in as little as 36 hours for up to $500K in business funding.
Learn more$10K–$10M
Invoice Factoring
Convert unpaid invoices into immediate working capital without taking on new debt.
Learn moreFAQ
Frequently Asked Questions
Working capital financing provides short-term funds to cover day-to-day business operations like payroll, inventory, rent, and utilities. Unlike long-term loans for assets, working capital loans are designed to bridge cash flow gaps and keep your business running smoothly during seasonal fluctuations or growth periods.
Working capital loans typically range from $100,000 to $50 million+ depending on your business size and needs. The amount you qualify for depends on your monthly revenue, time in business, and creditworthiness.
Working capital can be used for virtually any business operating expense including payroll, inventory purchases, marketing campaigns, equipment repairs, rent and utilities, supplier payments, tax payments, seasonal staffing, and managing cash flow gaps between receivables and payables.
Entry requirements for smaller facilities typically include 3+ months in business, $10,000+ monthly revenue, a credit score of 550+, and an active business bank account. Larger facilities require stronger financials — multi-year operating history, reviewed or audited statements, and often collateral such as receivables or inventory.
Smaller working capital facilities can be funded in as little as 24-48 hours when documentation is ready. Larger or asset-backed facilities involve fuller underwriting and typically take one to a few weeks. In all cases, having bank statements and financial records ready accelerates the decision.
A working capital loan provides a lump sum with fixed monthly payments over a set term. A business line of credit gives you access to funds as needed, and you only pay interest on what you use. Lines of credit offer more flexibility for ongoing needs, while term loans work better for one-time expenses.
Qualifying for working capital is based largely on your business performance. Smaller facilities require around 3+ months in business, roughly $10,000+ in monthly revenue, a 550+ credit score, and an active business bank account; larger facilities are underwritten on multi-year financials and often the strength of your receivables or inventory. Having recent bank statements and financial records ready helps speed the decision.
Possibly. Because working capital qualification weighs monthly revenue and cash flow heavily, newer businesses and owners with lower credit scores can still be eligible if the business generates steady deposits. Approval and terms vary by lender and your overall risk profile, so consistent revenue and clean bank statements strengthen your application.
Still have questions? Our loan experts are here to help.