Loan Details
Loan Amount
$10,000 - $10,000,000
Repayment Terms
6 - 24 months
Interest Rates
11% - 40% APR (varies by creditworthiness)
Funding Speed
As fast as 24-48 hours
How Working Capital Loans Work
Apply Online
Complete our simple application with basic business and financial information. Get approved in minutes.
Receive Funds
Once approved, a lump sum is deposited directly into your business bank account within 24-48 hours.
Flexible Repayment
Repay with flexible terms through daily, weekly, or monthly payments that fit your cash flow.
Key Benefits
Fast approval and funding - often within 24-48 hours
Flexible use for any business expense or opportunity
No collateral required for many options
Accessible for startups and businesses with challenged credit
Helps bridge cash flow gaps during slow seasons
Enables you to take advantage of time-sensitive opportunities
Strengthens your financial position for growth
Frequent payment options aligned with your cash flow
Qualification Requirements
- Personal credit score of 580+ (varies by lender)
- Business credit score considered for established businesses
- Minimum monthly revenue requirements (typically $10,000+)
- At least 3-6 months in business (some lenders accept startups)
- Active business bank account
- Valid business documentation and tax returns
- Proof of consistent revenue and cash flow
- Personal guarantee may be required
Common Uses for Working Capital
Cover payroll during slow periods
Purchase inventory for busy seasons
Pay rent and utilities
Handle unexpected expenses
Bridge cash flow gaps
Take advantage of bulk discounts
Fund marketing campaigns
Hire seasonal staff
Manage accounts receivable delays