Short-term cash for day-to-day operations
Working Capital Loans
A working capital loan covers day-to-day operating costs — payroll, rent, inventory, payables — rather than a long-term investment. Terms usually run three to eighteen months, decisions come in hours rather than weeks, and most funders weigh recent revenue more heavily than credit history.
What you’ll need to apply
The application asks for the same handful of things every funder wants to see. Nothing here requires an accountant, and there is no cost to find out where you stand.
How much you need
A rough figure is fine. It can change once offers come back.
Monthly revenue
The single number that matters most. Recent months count more than old ones.
Time in business
Six months of trading opens most options. Under that narrows them but rarely closes them.
Bank statements
Usually the last three to six months, to verify the revenue on the application.
Your state and industry
Determines which funders can work with you at all.
Contact details
A phone number we verify by text, so a real person owns the application.
Working Capital Loans: common questions
- What can a working capital loan be used for?
- Day-to-day operating costs — payroll, rent, inventory, supplier invoices, marketing, and bridging a slow month. Working capital funding is not intended for long-term investments like buying property. Most providers do not restrict how you spend it, but they do ask on the application.
- How quickly can I get a working capital loan?
- Most decisions arrive within hours and funding lands in one to three business days. That speed is the main reason businesses choose working capital funding over a bank loan, where the same process commonly takes four to eight weeks.
- Can I get working capital funding if the bank turned me down?
- Frequently, yes. Banks decline for reasons that revenue-based funders accept as normal — under two years trading, uneven monthly income, a thin credit file, or an industry the bank classes as high risk. The underwriting question is whether recent revenue can support repayment, not whether you fit a credit box.
- What are typical terms for a working capital loan?
- Three to eighteen months is the usual range, with repayment taken daily or weekly rather than monthly. Shorter terms carry lower total cost but higher payment amounts, so the practical question is what your cash flow can absorb each week.
- What documents do I need to apply?
- Usually the last three to six months of business bank statements, basic business details, and proof of ownership. Full tax returns and financial statements are rarely required at this size, which is a large part of why the process is fast.
Other funding options
Merchant Cash Advance
Advance against future sales
Equipment Financing
Finance the machine, secured by the machine
Business Line of Credit
Draw what you need, pay interest only on what you use