A lump sum for payroll, stock, or expansion, sized to what established businesses doing $60K+ a month already bring in.
Check my optionsWorking Capital
Working capital from $25K to $5M through our partner, Merchant Fund Express, with the full cost shown before you commit.
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 see funds in as little as 24 hours after a 5-minute application and about 3 months of statements.
FICO 500+ is considered. A soft pull starts things off, and steady revenue carries real weight in the review.
Before you accept, your offer shows the full repayment amount. Nothing new gets added after you sign.
The repayment schedule sits in your offer from day one, so your monthly budget has no blind spots.
Here is a pattern we see constantly. A business lands more work, hires to deliver it, buys supplies up front, and then waits 30 to 60 days for customers to pay. On paper the quarter looks great. In the bank account it feels tight. Working capital closes that gap so momentum does not stall while receivables catch up.
Through our partner Merchant Fund Express, established owners can access working capital from $25,000 to $5,000,000.
Working capital is a lump sum deposited into your business account for general operating use. You agree to a repayment schedule up front, and the review leans heavily on your recent revenue rather than on years of tax filings. About three months of business bank statements tell the story. No tax returns are required, and FICO 500+ is considered.
Because it is flexible in use, it fits needs that do not have a single invoice attached: payroll during a ramp, a marketing push, opening a second location's first month of rent.
Say a landscaping company does $110,000 a month and wants to add a third crew for spring. For illustration only:
These numbers are illustrative, not our terms. The point is the habit: tie each dollar to a result you can measure.
| If you need | Consider |
|---|---|
| One defined amount for operating costs | Working capital |
| Payments that rise and fall with sales | Merchant cash advance |
| Repeat access to funds over time | Business line of credit |
| A specific machine or vehicle | Equipment financing |
Many of our clients are building business credit while they scale. That is smart, and it takes time. Working capital does not require you to finish that work first, and taking it does not raise your score. It simply lets revenue do the talking now. Our business credit guide covers the long game, and what funders look at covers the funding review.
The application takes about 5 minutes and starts with a soft credit pull. Sole proprietors can apply. Qualified businesses can be funded in as little as 24 hours. If the timing is tight around a slow stretch, see slow month cash flow funding.
General operating needs such as payroll during growth, inventory, marketing, rent, or bridging slow-paying receivables.
Requests range from $25,000 to $5,000,000. The offer depends on your revenue and the full file.
No. About three months of business bank statements are the main documents.
FICO 500+ is considered. Revenue consistency carries significant weight in the review.
Funding is provided through our partner, Merchant Fund Express.
Example uses for illustration only.
Lenders and funders read your bank activity closely, so tidy it up first.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding