Working Capital Loans — $25K to $500K Fast
Get a working capital loan from $25,000 to $500,000 in 24–48 hours. Cover payroll, inventory, seasonal gaps. Bad credit OK. Apply in 5 minutes.
Easy Funding
One application, 75+ funding sources. Get matched in minutes, not weeks.
Fast Approval
Most businesses get approved and funded within 24-48 hours.
Best Fit
We match your business to the right product — SBA, line of credit, or working capital.
No Obligation
Soft credit pull only. See your options without any impact to your score.
Cover payroll. Buy inventory. Bridge a cash flow gap. Get the money your business needs to keep running — without waiting 3 weeks for a bank decision.
What Is a Working Capital Loan?
A working capital loan is short-term business financing designed to cover day-to-day operational expenses — not long-term investments. You borrow a lump sum, get it deposited in your business account fast, and repay on a fixed schedule over 3 to 18 months.
When to Use a Working Capital Loan
- Payroll gaps — You have contracts on the way but payroll is Friday
- Inventory buildup — Peak season is approaching and you need to stock up
- Seasonal cash flow — Revenue is down for the quarter, fixed costs aren’t
- Unexpected expenses — Equipment breakdown, emergency repairs
- Growth opportunities — New customer or contract requires upfront investment
- Debt consolidation — Roll multiple small loans into one payment
Working Capital Loan Terms
| Feature | Typical Range |
|---|---|
| Loan amount | $25,000 – $500,000 |
| Term length | 3 – 18 months |
| Rate (APR) | 8% – 30% |
| Speed | 24 – 48 hours |
| Credit minimum | 550+ |
| Time in business | 6 months+ |
| Monthly revenue | $10,000+ |
Who Qualifies?
You can qualify if your business has: - 6+ months of operational history - $10,000+ in monthly revenue - 550+ personal credit score - A business bank account - No unresolved tax liens or bankruptcies
Newer businesses or those with lower credit can still qualify — we match you to specialized lenders.
FAQ
What’s the difference between a working capital loan and a business line of credit?
A working capital loan is a lump sum with fixed repayment. A line of credit is revolving credit you draw from as needed.
Do I need collateral?
Most working capital loans under $250,000 are unsecured.
What if I have bad credit?
Revenue-based working capital options are available for credit scores as low as 500.