Capital at the speed the business moves.
Payroll before a big receivable lands. Inventory for the season. A contract you can't take without cash up front. Working capital is revenue-based funding built for exactly these moments — approvals in hours, funding in 24 to 48, sized to what the business actually earns.
Typical timeline on complete applications. Exact turnaround depends on your revenue documentation and the funding partner.
Underwritten on revenue, not real estate.
Banks underwrite working capital against collateral and years of financials — which is exactly what a business in motion doesn't have time to litigate. Revenue-based funding flips it: recent bank deposits and card receipts tell the story, and the offer is sized to a share of what the business demonstrably earns.
That is why approvals come in hours, why challenged credit is workable, and why businesses that sit outside bank guidelines — seasonal revenue, newer files, industries banks avoid — get funded here. Repayment is a fixed remittance on a set schedule, so the cost is known before you sign.
Two structures cover nearly every situation, and your funding professional will price both against your file.
Term loan or advance — matched to your cash flow.
Working Capital Term Loan
A fixed amount, a fixed rate, and a fixed monthly or weekly payment over a set term — the structure that behaves like a traditional loan, at non-bank speed.
- Terms typically 6 to 36 months
- Fixed monthly or weekly payments
- Larger amounts for stronger files
- Builds business credit as it pays down
- Best when revenue is steady and the plan is set
Merchant Cash Advance
An advance against future revenue, repaid through a fixed daily or weekly remittance. The fastest yes in commercial finance, and the most forgiving on credit.
- Approvals in as fast as 30 minutes
- Daily or weekly remittance, fixed and known up front
- Underwritten on deposits, not credit score alone
- Workable for seasonal and up-and-down revenue
- Best when speed matters more than lowest cost
Buying equipment with the money? If the capital is going into a machine, equipment financing usually carries a longer term and lower cost than working capital.
See Equipment Finance →Answers before you apply.
How fast can I actually have the money?
Approvals can come in as fast as 30 minutes on a complete application, and funding typically lands within 24 to 48 hours of signing.
Term loan or MCA — which is right for me?
If your revenue is steady and you want the lowest structured cost, the term loan usually wins. If speed is everything, revenue swings seasonally, or credit is challenged, the MCA is built for exactly that. We price both and show you the numbers side by side.
Do I need collateral?
No. Working capital is underwritten on your revenue — recent bank statements do most of the talking. No real estate or equipment pledge is required.
Will applying hurt my credit?
No — we use a soft credit inquiry to preview applications and line up options, so getting started will not impact your credit score.
One application. Options that fit.
Apply once and we match you with a dedicated funding professional who manages your deal from application to funding.