Working capital

Funding sized
to your revenue

$10K–$5M with fixed daily or weekly payments, sized to what your business actually brings in. For operators who need capital moving this week, not this quarter.

Check your rate See how it works

Median time to decision: Hours
Funding on approved deals: Same day
Funding range: $10K–$5M
Hard credit pulls to see terms: 0

What it is

A clear number,
a clear schedule

Use it for

Where operators put it to work

InventoryStock up ahead of your season.
PayrollCover payroll during a receivables gap.
MarketingFund spend with a known return.
Slow-paying contractsBridge the wait on a contract that pays late.
A second locationOpen the next one without draining the first.
TaxesCover a tax bill without draining reserves.

How we size it

We read the business,
not the score

Your connected bank data tells us average deposits, volatility, and existing obligations. That's what sets your amount and schedule. Strong deposits with a mediocre personal score still qualify.

Typical amount 0.5–1.5× monthly revenue
Decisions same day
Funding within hours of signing
Early payoff options on most offers

Check your rate

Compare

Working capital vs the alternatives

	Working capital	MCA	Term loan
Payment type	Fixed daily or weekly	% of sales	Fixed monthly
Term	6 – 24 months	3 – 18 months	1 – 5 years
Speed	Same day	Same day	1 – 3 days
Best for	Known spend, known return	Uneven revenue, urgent needs	Long-lived purchases
	Working capital vs term loan

Terms are illustrative ranges. Your offer depends on revenue, time in business, and lending partner.

FAQ

Questions, answered plainly

How much can I get?

$10,000 to $5,000,000, depending on revenue, product, and partner.

How fast is it, really?

Connecting accounts takes about two minutes. Most decisions come back the same day. Approved deals typically fund within hours of signing.

What are payments like?

Fixed daily or weekly debits for the full term. The amount doesn't change with sales, and your offer shows the exact payment before you sign.

Can I get more later?

Yes. Once a meaningful share is paid down, you can request more from your dashboard without a new application.

What if revenue drops?

Call us before a payment is missed. Your advisor can walk you through options. If your revenue is very uneven, an advance that tracks sales may fit better.