Carry bigger contracts, bigger orders and bigger seasons. Three months of statements, no tax returns, soft pull to start, funding in as little as 24 hours if qualified.
Apply in 5 MinutesWorking Capital
When growth outpaces your cash, $100,000 in working capital covers payroll, materials and inventory until customer payments catch up.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with real weight on your deposit history.
The full repayment amount appears in your offer before you accept, with no surprise costs after signing.
Your schedule is laid out in the offer up front so you can line it up with receivables.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
A six-figure working capital request usually signals one of two things: a business growing faster than its cash can keep up, or a business with a big, predictable gap between paying out and getting paid. Both are good problems, but they are still problems if payroll is due Friday.
$100,000 working capital gives you room to take on the bigger contract, stock for the bigger season or carry the bigger receivables without draining the operating account to zero.
Your deposits and existing obligations drive the amount. We review about three months of business bank statements to see your revenue level and rhythm, then account for any loans or advances already drawing from the account. A healthy, positive balance helps; frequent overdrafts work against you.
We consider FICO scores of 500 and up, start with a soft credit pull and skip the tax returns. Sole proprietors can apply.
For illustration: a staffing agency with growing weekly payroll and clients paying on longer terms might use $100,000 to carry two new contracts through their first billing cycles. As those invoices start paying, the gap closes.
It is worth being honest about which situation you are in. A growth gap means the business is profitable on paper but cash is tied up in receivables, inventory or work in progress. Working capital fits that well, because the money comes back as customers pay. A cash problem means expenses are running ahead of revenue month after month. More capital alone will not fix that, and we would rather tell you so than fund a hole. If you are in the first camp, $100,000 can be the difference between turning down work and taking it on.
Plan where every dollar goes before it arrives. Separate the funds you need for the gap from a small reserve, and line up the repayment schedule in your offer against when your receivables usually land. Your offer shows the full repayment amount up front.
Need flexibility instead of a lump sum? Compare a $100,000 business line of credit. Prefer a smaller step? See $75,000 working capital. When you are ready, apply in about five minutes.
Payroll, inventory, materials, rent, contract ramp-up costs, marketing and other operating needs.
No tax returns. About three months of business bank statements are usually enough to review.
We consider FICO 500+ and start with a soft credit pull.
Decisions move quickly, and qualified businesses can be funded in as little as 24 hours.
Yes. We fund from $25,000 to $5,000,000 depending on what your deposits support.
Example uses for illustration only.
These steps can help a $100,000 working capital request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding