Cover payroll, inventory and expansion at scale. Offers sized to your deposits, with a 5-minute application and no tax returns.
Get Working CapitalWorking Capital
When clients pay slowly and suppliers want cash now, working capital keeps the operation steady. Send three months of statements and we will size it.
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.
5 minutes to apply and about three months of bank statements. Qualified businesses funded in as little as 24 hours.
FICO 500+ considered. Deposit strength and current obligations matter most.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The schedule is laid out in the offer up front so you can match it to your cash cycle.
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.
At a certain size, cash timing becomes its own job. Payroll goes out every two weeks while large clients pay on net-60. A big seasonal order needs stock bought months early. A second warehouse needs racking, staff and inventory before it brings in a dollar. That gap is what working capital is for.
A $2,000,000 working capital request gives a larger operation room to cover those timing gaps without pausing growth.
We review about three months of business bank statements. The amount depends mainly on your deposits and the obligations already on your books.
| Factor | Why it matters |
|---|---|
| Monthly deposits | Sets the base for what the business can carry |
| Existing payments | Reduces room for new funding |
| Balance patterns | Shows how the account handles slow weeks |
| Credit | FICO 500+ considered, one factor among several |
For illustration: a wholesale food distributor with large, steady deposits and no other financing wants to stock up ahead of the holiday season and add a delivery route. Their statements show consistent volume with a predictable summer dip. That profile could support a sizable working capital offer. A similar business already paying on two agreements would likely see a smaller number, and we would say so up front.
Working capital at this size is a tool, and like any tool it works best with a plan. The strongest requests we see tie the money to something specific: a season of inventory, a new route, a slow-paying contract that will settle in a few months. That makes it easy to see how the funds turn back into deposits.
It also helps to think about what happens if things take longer than expected. If a client pays late or a season starts slow, does the business still have room to make payments? Building in a cushion, or requesting a little less than the maximum, keeps the funding working for you instead of against you. Your offer shows the full repayment amount and schedule up front, so you can test it against your own numbers before you accept anything.
Owners who come in with that kind of plan usually get the most out of a large working capital offer.
If your needs come and go, a $2,000,000 line of credit may suit you better. For a smaller first step, see $1,000,000 working capital. Ready now? Apply in about 5 minutes.
Common uses include payroll, inventory, expansion, marketing and covering slow-paying receivables.
No tax returns are required. About three months of business bank statements are the core of the review.
Mainly by your deposits and existing obligations. We will show you what fits rather than stretch the file.
Sole proprietors can apply. The offer reflects the deposits in the business account.
Qualified businesses can be funded in as little as 24 hours after accepting an offer.
Yes. Request what you actually need. We fund from $25,000 to $5,000,000 and will show you what your deposits support.
Example uses for illustration only.
These steps help a large working capital request get a stronger review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding