Working capital.
Short-term capital sized to your revenue, structured to your cash flow, funded in days.
- Amount
- $25K – $500K
- Term
- 6 to 24 months
- Time to fund
- 1 – 3 days
When working capital fits.
- Stocking inventory ahead of a season
- Funding payroll through a slow month
- Taking on a contract that needs upfront capital
- Closing a gap between a sale and a receipt
- Acting on a time-sensitive opportunity
How the deal is built.
- Amount
- $25,000 – $500,000
- Term
- 6 to 24 months
- Rate type
- Fixed cost-of-capital
- Payments
- Daily or weekly debit
- Collateral
- UCC blanket on business assets
- Personal guarantee
- Required from 20%+ owners
- Time to fund
- 1–3 business days after approval
What it takes to qualify.
- 6+ months in business
- 550+ personal FICO from majority owner (case-by-case below)
- $15,000+ in monthly revenue
- 3 months of business bank statements
How we structure it.
Working capital fills a specific gap. We size it to what you can comfortably repay on your current cash flow — not to the largest number we could approve.
Daily or weekly debits keep payments small and predictable. We're explicit about total cost of capital before you sign; no surprises at month four.
Questions about working capital.
How is this different from a term loan?
Working capital is shorter (6–24 months vs 1–5 years), funds faster (1–3 days vs 5–14), and is sized to monthly revenue rather than collateral. Use it for short-term needs; use a term loan for long-term capital.
What's the total cost?
Cost depends on file strength and term length. We quote total cost of capital — every dollar you'll pay — before you sign. No back-end fees.
Can I pay it off early?
Yes, and most structures offer a discount for early payoff. We'll walk you through the math.
Is this the same as a merchant cash advance?
No. Our working capital products are loans, not MCAs. They're amortizing, transparent in total cost, and reported as business debt — not factored receivables.
What's the daily debit amount based on?
A fixed dollar amount calculated from your approved term and total cost — not a percentage of sales. You know the debit before you sign and it doesn't change with your revenue.
Will the debit affect my bank account?
Yes — we ACH from your operating account on a scheduled cadence. Most operators set up a sub-account or buffer to manage timing.
Can I pause payments during a slow month?
Not as a standard feature. If your business hits a genuine hardship event, call us before missing a payment — we work modifications case-by-case.
What happens if I close out early?
Most structures offer a prepay discount. The earlier you close, the more cost you save. We walk you through the savings table when you ask.