Working Capital Loan

Small business working capital loans are perfect for healthy businesses with steady revenue. Offering shorter repayment periods and flexible usage, our working capital loans provide speed, simplicity, and versatility to meet the funding needs of any small business.

PREQUALIFY NOW

Complete our online form or speak with a small business specialist at (646) 389-3311

24 HOUR APPROVAL

We assess your business’s health and reach out to you with the best funding options.

RECEIVE FUNDING

Receive funds in your account in as soon as the same day, plus access to your customer portal.

Small Business Working Capital Loans

Small business working capital loans are perfect for healthy businesses with steady revenue. Offering shorter payment periods and flexible usage, our working capital loans provide speed, simplicity, and versatility to meet the funding needs of small businesses. Our working capital loans are ideal for business owners who need flexible, short-term funding without the hassle. Funds are automatically deposited into your business bank account with repayments already set up, so you can focus on running your company.

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MAX LOAN SIZE

Up to $400,000

TERM LENGTH

6 to 18 months

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FACTOR RATES

As low as 1.15

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AUTOMATIC PAYMENTS

Daily or weekly*


Once we figure out the funding that’s best for you, we’ll let you know the cost** for each option. For your ease and convenience, we present working capital pricing as a factor rate: Factor Rate = Payback Amount ÷ Funded Amount

Fees

  • Origination fee: A one-time 2.5% of total loan amount set up fee is deducted from your proceeds

Qualifying Criteria

Working Capital Loans are available to businesses throughout the U.S. which meet certain criteria:

  • 500+ FICO score

  • 6+ months in business

  • $15,000+ average monthly bank deposits***

Required Documentation

  • Signed business loan agreement

  • Business mortgage statement if you own; business lease agreement if you rent

  • Unexpired government-issued picture ID of all owners

  • Bank statements—most recent 3 months

  • For loans over $100,000 we require your most recent business tax return

Pros

  • Working capital loans provide immediate assistance for companies that need extra working capital

  • The funds do not need to be used specifically as working capital. It’s a great solution for any business with urgent capital needs

  • Traditional bank loans are rigid and difficult to qualify for, with a lengthy time to funding. Our working capital loans are fast, flexible, and intuitive

Cons







Simple Ways to Get Started

When you’re running low on cash and need to support your operations, access to fast, flexible business financing is crucial. To get started, fill out our online prequalification form or call our Customer Success Team at (646) 389-3311.

Subject to approval.

* Weekly payments for working capital loans have different minimum qualifying criteria than the daily payment option.

** Rates are included in your daily payback quote to simplify repayments and account monitoring.

*** $15K+ avg. deposits for a three-month average and the most recent month.