Working Capital Loans for Small Business
Fast, flexible funding for whatever your business needs next.
Capital that keeps your business moving
Working capital loans for small business owners deliver fast, flexible funding without the red tape of a traditional bank loan. Whether it's making payroll, stocking up before a big season, launching a marketing push, or covering an unexpected expense, our small business loan programs fund in 24–48 hours — a practical answer when you need a business loan and can't wait weeks for an SBA close.
- Funding from $5K to $2M
- Funded in 24–48 hours after approval
- Use for any business purpose — payroll, inventory, marketing, expansion
- Revenue-based repayment matches your cash flow
- Renewable and increasable as you grow
- Approval as low as 550 FICO with strong revenue
24–48 hr funding
From application to bank deposit, fast.
Soft credit pull
Pre-qualify with no impact to your score.
Up to $2M
Sized to your revenue, renewable as you grow.
What you'll need to qualify
A short list of documents and basics to get you pre-qualified — most files only need the essentials below.
- 6+ months in business
- $10K+ average monthly revenue
- Personal FICO 550+
- Active business checking account
- Last 3–6 months of business bank statements
- Government-issued ID & EIN
Our funding process
Quick application
One-page online application — soft credit pull, no impact to your score.
Bank statement review
Upload the last 3–6 months and we underwrite your file within hours.
Approval & terms
Receive program options sized to your revenue and cash flow.
Funding in 24–48 hrs
Sign electronically and funds wire to your business account next business day.
Frequently Asked Questions
Related resources
Guides and playbooks to help you make the most of working capital.
Compare Small Business Funding Options
See how short-term working capital stacks up against SBA loans, lines of credit, and invoice factoring on cost and speed.
Read moreBusiness Line of Credit Playbook
When a revolving line of credit is a smarter cash-flow tool than a lump-sum working capital loan.
Read moreStartup Business Funding in Texas
How to fund a startup business fast in Texas — including which working capital programs approve newer companies.
Read more