REVENUE BASED FINANCING

Cash flow is the life blood of every business

Get the capital you need now to keep your business moving forward

Options

amounts from $5K - $1M

Flexible

repayment terms of 3-24 months

Fast

can fund in 24 hours

What is a Working Capital Loan?

A working capital loan is designed to cover a business’s short-term operational expenses—essentially the cash needed to keep the lights on and the wheels turning. It’s used to manage day-to-day costs when cash flow gets tight or to seize quick opportunities, not typically for long-term investments like equipment or real estate. Here’s the gist:

  • Purpose: Funds things like payroll, rent, inventory, or supplier payments—basically, the stuff that keeps a business humming between revenue cycles.

  • Structure: Usually a short-term loan (usually 6 to 24 months), repaid in fixed installments or as a lump sum, depending on the lender.

  • Amounts: Amounts vary widely—$5,000 to $500,000 or more—based on the strength of the business..

  • Key Trait: It’s tailored to the cash flow profile of the applicant business, ensuring payments remain affordable despite its short-term nature.

  • Pros: Fast access to cash, no equity given up. Cons: Interest rates are higher than long-term loans, and frequent borrowing might signal deeper issues.

Think of it as a buffer for businesses with seasonal dips or uneven cash flow—like retailers stocking up before the holidays or medical offices dealing with slow A/R.

Benefits of working capital

  • Can fund in hours

  • Does not report to Personal Credit or effect DTI

  • Renewable Source of Funding

  • $5k to $1MM

Working Capital Use of Funds

A working capital loan offers access to funds, allowing you to cover various needs such as:

Growth
Opportunities

Inventory &
Supplies

Business
Expansion

Repairs &
Upgrades

Onboarding
New Staff

3 Easy Steps at Your Speed

A Dedicated Finance Specialist will help you through this process.

Are you looking for a true lease, a dollar buy out or an EFA? Have you already paid cash for your equipment? If you made the purchase within 60 days, our funding sources have options that may allow you to refinance the equipment purchase into a 3-5 year term loan under your business name with monthly payments.

Our team of funding specialists will assist in providing access to the best financing options and work quickly to help secure capital for your business.

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Fill out the Form: Complete the one page Verification Form so we learn more about your business.

Options Review: We will contact you to discuss your options and make you aware of next steps.

Receive Funds: We work with you and your equipment vendor or private party throughout the entire process. Sale Lease-Backs and non-titled equipment can fund in as little as 48 hours!

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Is a Working Capital Loan a Good Fit for You?

Check our requirements below and see

550

Minimum FICO Score

$10K

Monthly Gross Revenue

6 Months

in business

No Bankruptcy

Personal OR Business

Note: These are general qualifications. Other information may be considered at time of application.