Working capital that works with your cash flow.
Funding from $5K to $500K, repaid from your daily revenue. No collateral. No surprises.
What is working capital funding?
A working capital loan gives your business a lump sum of cash to cover operating expenses — payroll, inventory, marketing, equipment, expansion, or just bridging a slow season.
Unlike a traditional loan, repayment is based on a percentage of your daily or weekly revenue, which means it flexes with your business. Strong week? You pay more. Slow week? You pay less.
Working capital vs. bank loan
When working capital makes sense
Bridging a seasonal slowdown
Cover payroll and rent through the slow months without burning your reserves.
Funding a growth opportunity
Take that new contract, buy bulk inventory at a discount, or open a second location.
Smoothing cash flow
Pay suppliers on net-15 while you wait on net-60 invoices.
Investing in marketing
Spend ahead of revenue when you know the channel works.
Hiring before you scale
Get the team in place to handle the next phase.
Replacing emergency expenses
Equipment breakdown, unexpected repairs, urgent restocks.
Requirements
- 6+ months in business
- $10,000+ in monthly revenue
- US-based business with a business bank account
- 500+ FICO (most approvals are 500–700)
Cost structure, plain English.
Working capital uses a factor rate rather than an interest rate. You'll know your total repayment upfront — no surprise interest accumulation.
Factor rates in our network typically range from 1.15 to 1.45 depending on your business's profile, with terms from 3 to 24 months. Your specialist walks you through every option before you commit.
Working capital FAQ
We're in it for the long haul.
Most of our clients come back for additional capital as their business grows. We track your business's progress and proactively let you know when you qualify for better terms, larger amounts, or different products.
Ready to extend your runway?
Find out what you qualify for in under 5 minutes. No commitment, no hard credit check, no hassle.