Financing Solutions
Working Capital When You Need It, Not Six Weeks From Now
Cash in the account to cover payroll, buy inventory, and take the job in front of you.
- Funding in as little as 24 hours
- Three months of bank statements to apply
- No hard credit pull to get options
- Renewable as you repay
What it is
The plain-English version
Working capital financing provides a lump sum of cash for general business purposes, repaid over a set period through fixed daily, weekly, or monthly ACH payments.
Because approval leans on recent bank activity and revenue consistency rather than on years of tax returns and pristine credit, it is the fastest funding available and the most accessible to businesses that banks decline.
It is also more expensive than long-term debt, which is why the right use matters: it should fund something that generates a return faster than the cost of the money.
What you'll need to apply
- Short application
- Three to six months of business bank statements
- Driver's license and voided check
- Most programs look for consistent monthly deposits and at least six months in business
How it works
From request to funded
- 01
Complete the short application and connect or upload three to six months of business bank statements.
- 02
Receive offers, generally the same or next business day.
- 03
Compare amount, term, payment frequency, and total cost side by side.
- 04
Sign electronically and receive funds, often within 24 hours.
Who it's for
Ideal-fit scenarios
- Seasonal businesses bridging a slow stretch
- Contractors funding materials and labor ahead of a progress payment
- Retailers and distributors buying inventory ahead of a peak season
- Businesses that just landed a contract larger than their current cash position supports
- Owners with a tax lien, a past bankruptcy, or a credit file that will not clear a bank
Common uses
What clients use it for
Payroll and staffing
Cover payroll through a slow stretch or while waiting on a large customer payment.
Inventory and materials
Buy ahead of a busy season or fund materials on a job before the progress payment arrives.
Opportunity capital
Take on a contract larger than your current cash position, or consolidate high-cost short-term debt.
Questions
Good to know
All terms are indicative and subject to lender approval, credit review, and underwriting. Actual structure varies by product, lender, and applicant qualifications.
Other solutions
Explore the rest of our lineup
Equipment Finance
Acquire the equipment your business runs on, without draining cash reserves.
Learn more about Equipment FinanceCommercial Real Estate
Financing for business-purpose property purchases, improvements, refinancing, and investment projects.
Learn more about Commercial Real EstateInvoice Factoring
Turn unpaid B2B invoices into cash now instead of waiting 30, 60, or 90 days.
Learn more about Invoice FactoringNeed cash this week? Send three months of statements.
Tell us what you need and we will bring you real options from our national lender network — with no upfront fees and no impact to your personal credit to look.