Working capital funds one push; a line stays open for the next. Built for established businesses doing $60K+ a month mapping out the year ahead.
Plan my capitalCompare Funding Options
Compare working capital and a business line of credit through our partner, Merchant Fund Express, then match the choice to your growth plan.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Qualified businesses can be funded in as little as 24 hours with a 5-minute application and about 3 months of statements. No tax returns.
FICO 500+ is considered and you begin with a soft pull, so revenue counts alongside your score.
Every offer shows the full repayment amount before you accept. No surprise costs after you sign.
Repayment is laid out in the offer up front, so you can line it up against your 12-month projections.
Most owners compare these two by looking at the bill in front of them. A better approach is to sketch the next twelve months. If you see one big move, such as a second crew, a new product line, or a large stock-up, a working capital lump sum is clean and simple. If you see a series of smaller gaps that keep reopening, a business line of credit gives you a pool to draw from each time.
| Factor | Working capital | Line of credit |
|---|---|---|
| Funds delivered | All at once | As you draw, up to a limit |
| Repayment | Scheduled over a set horizon | Based on what is drawn |
| Reuse | No; a new need means a new offer | Yes, as balance is repaid |
| Planning style | Project-based | Ongoing cash flow management |
A landscape design firm doing $115,000 a month maps its year:
Four needs, each repaid within a couple of months. A line covers that pattern without four separate applications. Now compare an optometry practice doing $140,000 a month that needs $90,000 once to open a second exam room. One need, one payback plan: working capital.
Both examples are for illustration and are not offers.
Seasonal businesses should also read our seasonal line of credit page.
Both are available through our partner Merchant Fund Express from $25,000 to $5,000,000. We serve established businesses typically doing $60K or more a month, including sole proprietors. Apply in about 5 minutes with a soft credit pull and about three months of business bank statements. No tax returns required, and FICO 500+ is considered. Apply now and share your twelve-month sketch; it helps match the structure.
For some businesses, yes. For a large one-time project, a lump sum is often simpler to plan around.
Lines tend to weigh credit and deposit consistency closely. FICO 500+ is considered, and each file is reviewed on its own.
From $25,000 to $5,000,000, depending mainly on your monthly deposits and existing obligations.
Either can contribute to a payment history if the provider reports. A line used and repaid regularly shows a pattern over time. Ask before you sign.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
Example uses for illustration only.
Planning ahead shows up well on your statements.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding