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Working Capital Loan

Short-horizon capital for payroll, inventory and the quiet quarter.

15 yrsFunding U.S. small business since 2011

8Financing structures under one roof

24 hrsFastest time to funded

Own capitalDirect on our core products

At a glance

Cover the gap without restructuring anything

A straightforward monthly-repayment loan sized for operating needs rather than capital projects. Smaller and shorter than a term loan, and quicker to close.

Best suited to: Payroll, inventory buys, seasonal dips, and unexpected operating costs.

Monthly payments

Loan amount$10,000 – $1,000,000
Repayment6 – 36 months
Payment scheduleMonthly
Funding speedAs soon as 24 hours
Cost structureFixed — total known at signing
PrepaymentNo penalty

Apply for Working Capital Talk to a desk

Two staff members organising stock on the shelves of a grocery store

What you get

How this works in practice

Sized for operating needs, not capital projects.
Fixed monthly payment over a short horizon.
Faster to close than a full term loan.
No penalty for early repayment.
Can be renewed as the business cycles.

How it works

Three steps. One desk.

See the full process

Send us the file

A short application and a read-only look at your business bank activity. Ten minutes, no fee, no obligation.

We decide

Our own underwriters review it. On core products the capital is ours, so the answer comes from us — not a panel you never meet.

Sign and get funded

Terms in writing, total cost on the page. Sign electronically and funds move — in as little as 24 hours.

What we look at

Four things. None of them a mystery.

We underwrite on how the business actually trades — time in operation and real revenue moving through the account.

1 year in business

Your business has been trading and generating revenue for at least twelve months.

$180,000 annual revenue

Gross annual revenue of $180,000 or more, evidenced by recent bank statements.

Business bank account

An active business account in the legal name of the company.

U.S.-based operation

Registered and trading in the United States.

Questions

About working capital

Scale and horizon. A working capital loan is smaller and shorter — six to thirty-six months for operating needs. A term loan runs longer and larger for capital projects. Both repay monthly.

A merchant cash advance, working capital loan or equipment approval can fund in as little as 24 hours. Term loans and lines of credit typically run 48 hours. Commercial real estate runs 30 to 60 days and SBA 30 to 90 — those two involve more documentation and, in the SBA case, a participating lender.

Every product we offer repays monthly except the merchant cash advance, which remits weekly. That is deliberate: weekly remittance is what lets an advance track your sales rather than land as a single monthly charge.

Other structures