Apply now

Working capital

Working Capital

Funding your day-to-day operations.

Funding amount
Up to $1M
Funding speed
Within 24–48 hours
Cost
Starting at 4.5%
Repayment
Daily or weekly ACH

Apply now

A café owner in his apron, arms folded, behind the counter.

This crossing

Six to 24 months on average

  1. Working CapitalSix to 24 months on average

    This sidePayroll, rent and stock while invoices wait to be paid.

    The far sideThe invoices and takings as they come in, by daily or weekly ACH.

Working capital

What it is, and what repays it

Working capital funds the running of the business rather than a single purchase: payroll, rent, stock, the gap between invoicing and being paid. Terms are typically short, averaging between six and twenty-four months.

It is the option that keeps growth going through a money-tight stretch, without putting a long obligation on the books.

What it gives you

Why owners choose it

  • Short term, so it clears quickly
  • Funds arrive within 24–48 hours once approved
  • Use it wherever the business needs
  • No out-of-pocket fees

The application

Apply in two minutes

How much, how to reach you and a few questions about the business. Free to send, and nothing is binding until you accept an offer.

The application is the way in, and it takes about two minutes.

Six crossings

This side, the span, the far side

Read each programme as a bridge: what you need it for, how long it takes to cross, and what carries the repayment once you are over.

  1. Revenue-Based FundingNo term is published: it is repaid by daily or weekly ACH

    This sideCash this week, when the credit file is thin or short.

    The far sideYour future card sales and receivables, collected by daily or weekly ACH.

  2. Working CapitalSix to 24 months on average

    This sidePayroll, rent and stock while invoices wait to be paid.

    The far sideThe invoices and takings as they come in, by daily or weekly ACH.

  3. Short Term Business LoanUp to 24 months

    This sideA cost that will not wait: a slow season, a short project, a bill.

    The far sideThe season or project it paid for, once that pays out.

  4. Term LoanOne to two years

    This sideA single large step: a second location, a big order, a key hire.

    The far sideSteady revenue across the term, at a fixed rate.

  5. Business Line of CreditSix months to three years

    This sideMoney on standby for whatever turns up.

    The far sideOnly what you drew, repaid as you go.

  6. Equipment FinancingOne to five years

    This sideThe machine, vehicle or system the work depends on.

    The far sideThe work that equipment does, in monthly payments over its useful life.

Spans are each programme's published term. An offer can be shorter, and you see its exact term before you accept it.