Keep Your Business Running
Even When Cash Flow Is Tight
A working capital loan covers your day-to-day operating costs payroll, rent, inventory, and overhead while you wait for revenue to catch up. Fast approval. No collateral required.
How Much Does Your Business Need?
$1,000,000
Covers payroll, rent, inventory . No collateral required . Funds in as little as 24 hours
Up to $5M
Loan range
625+
Min. credit score
24 hrs
Funding speed
3–24 months
Loan term
How Working Loans Works
1
Apply in 2 minutes
Tell us your monthly revenue, time in business, and credit score range. No hard pull on your credit.
2
Get matched to an MCA lender
We find the advance that fits your daily sales volume and business profile from our vetted lender network.
3
Repay from daily sales
A fixed percentage of your daily card or bank deposits goes toward repayment , automatically. No invoice. No due date.
Who Qualifies?
Most established small bussinesses qualify. Here is what lenders look for:
In business for 1 year or more
Monthly revenue of $20,000 or more ($240K+ annually)
Credit score of 625 or above
US-based business with an active business bank account
No open bankruptcies in the last 12 months
Who Qualifies?
Most established small bussinesses qualify. Here is what lenders look for
Think Working Capital Loans might be right for you?
Check your eligibility in 2 minutes. No hard credit pull.
Check your eligibility in 2 minutes.
No hard credit pull.
Minimum Requirements at a Glance
Requirement
Minimum
Time in business
1 year minimum
Monthly revenue
$20,000/month ($240K+ annually)
Credit score
625+ FICO
Collateral
None required for most working capital products
Personal guarantee
Not required under $150K (Kapitus)
Funding speed
As fast as 24 hours
Loan range
$10,000 – $500,000
Loan term
3 to 24 months
Our matching tool launches soon
Is Working Capital Loans
Right for Your Business?
PROS
CONS
Frequently Asked Questions
What is a working capital loan?
A working capital loan provides short-term funds to cover everyday business operating costs payroll, rent, inventory, utilities, and other overhead. It is not designed for large investments or equipment. It is designed to keep your business running when cash flow is uneven.
How is working capital different from a term loan?
A term loan is typically for a specific investment in equipment, renovation, or expansion with a longer repayment period. A working capital loan is for operating costs, with shorter terms (3–24 months) and faster access to funds.
What can I use working capital funds for?
Payroll, rent, supplier payments, inventory restocking, utilities, marketing costs, and any other recurring operating expenses. There are no restrictions on the use of funds for most working capital products.
Will applying affect my credit score?
No. Checking your eligibility uses a soft credit pull only. Your score is not impacted.
How fast can I get funded?
Most approvals happen within a few hours. Funding is deposited into your business bank account within 24 hours of approval in most cases.
Is a working capital loan the same as a merchant cash advance?
Not exactly. Both are short-term and fast. The key difference is repayment: an MCA takes a fixed % of your daily sales automatically. A working capital loan has fixed weekly or monthly payments. We match you to whichever product fits your cash flow better.
Further Reading
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Not the Right Fit? Explore Other Options
Merchant Cash Advance
Repay from a percentage of daily sales no fixed payment. Best for businesses with high card transaction volume.
Business Line of Credit
Revolving access to funds draw what you need and repay. More flexible than a one-time working capital loan.
Business Term Loan
Longer terms and lower rates for larger planned investments. Best when you need more than $150K.
Business Loan
Funds release
$1M
Received
Income Goal
ON TRACK
$943,94.84
/ $200,000.00
Matched with lenders including
Ready to Check Your Options?
Complete your application. We match you to the right lender. No hard credit pull.
Free · 2 minutes · Soft pull only · 625+ credit score accepted