Working Capital
Cash advanced against your sales and repaid in step with the revenue it generates.
- No upfront fees
- Soft credit pull
- All 50 states
- Funding range
- $2K – $250K
- Funding speed
- As fast as same day
- Typical term
- 3 – 18 months
At a Glance
The short version
Capital advanced against your future sales, repaid as a fixed remittance in step with revenue. The fastest product we arrange — built for businesses that need working capital this week, not this quarter.
Amounts
$2,000 – $250,000
Speed
As fast as same day
Payback
Daily or weekly remittances
Term
3 – 18 months
Credit
Weaker credit is workable — revenue matters more
Requirements
6+ months in business · $10K+ monthly revenue · business bank account
The Process
How working capital works
We read your deposits, not just your score
Three months of business bank statements are the core of the file. Underwriting keys off how consistently money lands in the account, which is why a thin or bruised credit profile is workable here when it isn't elsewhere.
An offer sized to your monthly volume
The advance is typically a multiple of your average monthly deposits. The offer states the amount funded, the total payback, the remittance amount, and the schedule — on one page, before you sign anything.
Funds land, remittances begin
Once you accept and clear a short verification call, funds are wired to your business account — often the same or next business day. Fixed remittances start on the following business cycle by ACH.
Use Cases
Best used for
Inventory, payroll, bridging receivables, and seizing time-sensitive opportunities.
- Buying inventory ahead of a busy season
- Covering payroll through a slow month
- Bridging 30, 60, or 90-day receivables
- Taking a supplier discount for paying early
- Emergency repairs or replacements that can't wait for a bank
- Funding a marketing push that has to run before it pays back
Compare
Is this right for you?
Working capital trades cost for speed and accessibility. If your business is under six months old, start with startup and new business funding instead — it runs the same structure against a shorter deposit history. If your project is planned, your credit is solid, and you can wait a few days, a term loan will almost always cost less. If your need comes and goes rather than arriving all at once, a line of credit fits better. And if you're buying a titled machine or vehicle, equipment financing uses the asset itself to bring the price down.
FAQ
Working Capital questions
How is the cost expressed?
Revenue-based advances are usually quoted as a factor — a multiple applied to the amount advanced — rather than an interest rate. Your offer will state the amount funded, the total amount you'll repay, the remittance, and the schedule. Ask your advisor to walk through the total dollar cost before you sign; that's the number that matters.
Does applying affect my credit?
No. The application uses a soft inquiry, which doesn't affect your score. A hard inquiry only happens if you accept an offer from a lender that requires one, and you'll know before that point.
Can I pay it off early?
It depends on the lender. Some offer an early-payoff discount, others set a fixed total payback that doesn't shrink if you pay ahead. This is one of the first things to ask about, and we'll surface it in the offer comparison rather than leaving you to find it in the contract.
What happens if I have a slow week?
Talk to your advisor and the lender early rather than letting a remittance fail. Some lenders will reconcile a fixed remittance against actual deposits; others won't. Knowing which kind you signed with is part of choosing the right offer in the first place.
More questions? Read the full FAQ
Ready to see working capital offers?
One application, real offers to compare, and no fee unless your business is funded.