Working Capital Solutions
Fast, flexible funding to help manage cash flow and seize growth opportunities for your business.
Working Capital Overview
Working capital financing provides your business with the funds needed to cover day-to-day operational expenses, manage cash flow gaps, take advantage of growth opportunities, or navigate seasonal fluctuations.
Our working capital solutions are designed to provide fast access to funds with simple repayment terms, allowing you to focus on running and growing your business.
How Businesses Use Working Capital
Our working capital solutions are flexible to meet a variety of business needs.
Managing Cash Flow
Bridge temporary gaps between accounts receivable and payable to ensure smooth operations and timely vendor payments.
Expansion & Growth
Fund new location openings, hire additional staff, or purchase inventory to support business growth initiatives.
Seasonal Preparations
Prepare for busy seasons by stocking up on inventory, hiring seasonal workers, or increasing marketing efforts.
Emergency Funds
Cover unexpected expenses, repairs, or other emergencies that require immediate attention without disrupting operations.
Vendor Relationships
Maintain strong supplier relationships by taking advantage of early payment discounts or negotiating better terms.
Business Opportunities
Seize time-sensitive business opportunities, such as bulk purchase discounts or limited-time expansion possibilities.
Our Working Capital Solutions
We offer multiple financing options tailored to your business needs.
Term Loans
Traditional term loans with fixed repayment schedules and competitive interest rates.
- Funding amounts from $25,000 to $1,000,000
- Terms from 1 to 5 years
- Fixed monthly payments
- Builds business credit
Merchant Cash Advances
Lump sum funding repaid through a percentage of your daily credit card sales.
- Funding amounts from $5,000 to $500,000
- Automated repayments based on sales volume
- No fixed monthly payment
- Funding in as little as 24 hours
Business Lines of Credit
Flexible revolving credit lines you can draw from as needed and repay on your schedule.
- Credit lines from $10,000 to $500,000
- Draw funds as needed, only pay for what you use
- Revolving credit that replenishes as you pay
- Online access to your available credit
Invoice Factoring
Convert outstanding invoices into immediate cash flow without taking on additional debt.
- Advance rates up to 90% of invoice value
- No debt on your balance sheet
- Funding based on your customers' credit
- Same-day funding available
Simple Application Process
Get the working capital your business needs in just a few easy steps.
Apply Online
Complete our simple application with basic information about your business.
Submit Documents
Provide basic business documentation to help us evaluate your funding options.
Review Offers
Receive and review customized funding options tailored to your business needs.
Get Funded
Once approved, receive funds in your account in as little as 24 hours.
Frequently Asked Questions
Get answers to common questions about our working capital solutions.
How quickly can I get working capital?
Depending on the funding solution and your application completeness, you can receive funds in as little as 24-48 hours after approval. Some funding options can be even faster.
What documents do I need to apply?
Typically, you'll need 3-6 months of business bank statements, basic business information, and a completed application. Depending on the funding amount and type, additional documentation may be required.
How much working capital can I qualify for?
Funding amounts are based on several factors including your business revenue, time in business, credit profile, and industry. We offer working capital solutions from $5,000 up to $1,000,000.
Will applying affect my credit score?
Initial applications typically involve a soft credit inquiry which does not impact your credit score. A hard inquiry may be required for final approval on some funding options.
Can I get working capital with less-than-perfect credit?
Yes, many of our working capital solutions focus more on your business performance and revenue than personal credit history. We have options for businesses with a wide range of credit profiles.
Ready to Fuel Your Business Growth?
Apply now for the working capital your business needs to thrive.