Funding Solutions

Working Capital Funding

Flexible capital for payroll, inventory, cash-flow gaps, and day-to-day operations — structured around your revenue, not a bank's checklist.

Apply Now Call (203) 943-1054

What It Is

Working capital funding provides your business with cash to cover operational needs — the space between money going out and money coming in. Rather than the months-long process and rigid criteria of traditional bank lending, our working capital programs are underwritten primarily on your business's revenue and bank activity, which means faster decisions and structures that fit how your business actually operates.

Who It’s Best For

Established businesses with consistent monthly revenue that need capital to smooth cash flow, cover payroll, purchase inventory, or seize a time-sensitive opportunity. If your business generates steady deposits but a bank has said no — or would take too long — working capital funding is usually the right starting point.

Common Use Cases

Payroll during slow collection cycles
Inventory purchases ahead of demand
Bridging receivables and net-30/60/90 invoices
Covering seasonal revenue dips
Emergency repairs and unexpected expenses
Marketing pushes and growth initiatives

Typical Requirements

6+ months in business (12+ preferred)
Consistent monthly business revenue
Business bank account with regular deposits
3–4 months of recent bank statements
U.S.-based business operations

Potential Advantages

Fast, structured review — often same day
Revenue-focused underwriting
Use funds for nearly any business purpose
Multiple structures and terms to compare
Renewal potential as your business grows

Important Considerations

Cost varies by business profile and term length
Shorter terms mean higher periodic payments
Strong recent bank activity improves offers
Stacking multiple advances can strain cash flow — we help you avoid it

Frequently Asked Questions

How much working capital can I qualify for?

Amounts typically range from $10,000 to $500,000+ depending on monthly revenue, time in business, and overall financial profile. Most programs fund a multiple of your average monthly revenue.

How fast is funding?

Most complete files receive an initial review the same business day. Qualified applicants may receive funds within one to three business days after approval.

Do I need collateral?

Most working capital programs do not require specific collateral. Underwriting is based primarily on business revenue and bank activity.

Does my personal credit have to be perfect?

No. Revenue and bank activity carry the most weight in most programs. If credit is limiting your options, ask about our credit repair program.

Ready to Move Forward?

Start with a short application or speak directly with a funding specialist. No obligation, and it will not impact your qualification to explore your options.