Working Capital · $10K – $300K

Operating capital, when operations demand it.

Cover payroll, inventory, marketing, or day-to-day overhead without draining the cash reserves you need for everything else.

  • Unsecured — no collateral required
  • Rates from 7.99% APR
  • Daily, weekly, or monthly repayment
Working capital loan
Features

What makes this program flexible

Operational financing that flexes to how your business actually runs, week to week.

$10,000 – $300,000

Enough to cover real operating needs — not just tide-over amounts.

6 – 24 month terms

Short enough to stay disciplined, long enough to breathe.

No collateral required

Unsecured, based on business performance — not asset pledges.

Rates from 7.99% APR

All-in pricing disclosed before you sign. No hidden fees.

Flexible repayment

Choose daily, weekly, or monthly — whatever matches your cash flow.

Fast funding

Decisions in 24 hours, funding within 1–3 days after approval.

Use Cases

Where working capital fits

Best for funding the essentials that keep the business humming — and the initiatives that push it forward.

Inventory

Stock up for peak seasons or lock in bulk-purchase discounts.

Payroll & staffing

Never miss payroll. Bring on seasonal help. Train your team.

Marketing

Fund campaigns and brand pushes when the timing matters.

Operations & overhead

Cover rent, utilities, and insurance during slower months.

A/R gaps

Bridge the lag between delivering and getting paid.

Expansion plays

Fund new markets, new products, or new capacity.

Benefits

Why working capital over other structures

  • Preserve cash flow. Keep reserves intact while funding operations.
  • No asset risk. Unsecured financing protects business and personal assets.
  • Flexible use. Use funds for any legitimate operational need.
  • Builds credit. On-time payments strengthen business credit over time.
  • No dilution. Fund growth without giving up equity.
Business operations
Primer

How much working capital do you actually need?

A quick framework — not tax advice, but useful starting math.

Working Capital = Current Assets − Current Liabilities

Current assets include:

  • Cash on hand
  • Accounts receivable
  • Inventory
  • Short-term investments

Current liabilities include:

  • Accounts payable
  • Short-term debt
  • Accrued expenses
  • Tax obligations

Need help calculating? Our specialists can walk through it with you before you apply.

Qualifications

What we look for

Business profile

  • 9+ months in business
  • $75,000+ annual revenue
  • Consistent cash flow

Owner profile

  • Credit score 580+
  • 25%+ ownership stake
  • Business experience

Documentation

  • 3 months of bank statements
  • Business license
  • ID verification

Apply for working capital

Flexible structure, fast funding, no collateral required.

Secure · No collateral · Dedicated business advisor