Compare working capital loan options for payroll, inventory, and seasonal cash-flow gaps, and see what you may qualify for. Checking your options won't affect your credit score.
A working capital loan covers day-to-day operating costs when revenue and expenses do not line up. It is built for established businesses managing timing gaps, not for buying a specific asset.
"Working capital" can be delivered in more than one structure. The right fit depends on whether you need a one-time amount or ongoing access, and on how your revenue arrives.
Exact requirements vary by provider and underwriting, but most working capital reviews start from a few basics. These figures are general guidance, not an approval promise.
Pricing depends on credit profile, revenue stability, time in business, and the amount requested. Before accepting any offer, compare the amount funded, total payback, fees, payment frequency, and all required disclosures, not just a single rate.
Cash-flow pressure looks different across industries and markets. Explore working capital guidance for your industry and state, then compare it against other funding structures.
A working capital loan is financing used to cover everyday operating costs, payroll, inventory, vendor bills, and seasonal cash-flow gaps, rather than to purchase a specific long-term asset. It is usually repaid on a schedule as an APR or fixed fee.
Amounts commonly range from about $10,000 to $500,000. The amount offered depends on revenue, time in business, credit profile, and the provider's underwriting.
Most reviews start with business bank statements, basic owner information, and a revenue and time-in-business check, commonly 6+ months in business and around $15,000+ in monthly revenue. Requirements vary by provider and are subject to underwriting.
A working capital loan is debt repaid on a schedule. A merchant cash advance is structured as a purchase of future receivables, not a loan, with remittances tied to sales or deposits. They use different disclosures and can have very different total costs.
Some working capital options do not require specific collateral and are underwritten on revenue and credit profile instead. Availability, amount, and cost depend on the provider and your business profile, and all offers are subject to underwriting.