Working Capital

Term loans, merchant advances, invoice factoring, and revenue-based financing for businesses that need capital now. Multiple structures to match your cash flow and collateral.

When timing matters more than getting the absolute lowest rate, working capital financing fills the gap — covering payroll, inventory, a slow receivables cycle, or an unexpected opportunity. We compare structures side by side so you know exactly what you're paying and why.

Frequently Asked Questions

How fast can I get working capital funding?

Many working capital products can fund in 24-72 hours once documentation is complete, which is why businesses use them for time-sensitive needs.

What's a factor rate and how is it different from an interest rate?

A factor rate is a fixed multiplier (e.g., 1.15) applied to the amount you borrow to determine total payback, rather than interest accruing over time. We'll always show you the total dollar cost, not just the rate, before you commit.

Do I need strong credit to qualify for working capital financing?

No — many working capital lenders weight business revenue and bank deposit history more heavily than personal credit score, which is why this category works for younger or credit-challenged businesses.

What can working capital financing be used for?

Anything the business needs: payroll, inventory, marketing, equipment down payments, tax obligations, or bridging a slow receivables cycle. It's general-purpose capital, not tied to a specific asset.