Carry payroll, materials, and growth costs with $250,000 in working capital. Apply in 5 minutes using bank statements, not tax returns.
Start ApplicationWorking Capital
Big orders and new clients often cost money before they pay. A $250,000 working capital offer is sized to your deposits so the business keeps moving.
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.
Five minutes to apply and three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ is considered alongside your deposits.
The full repayment amount is in your offer before you accept. No surprise costs after signing.
Your repayment schedule is laid out in the offer up front.
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 $250,000 working capital need usually signals growth or timing pressure, not trouble. A manufacturer lands a large order and has to buy raw materials before invoicing. A staffing firm adds clients and has to fund payroll weeks before collecting. A contractor wins a bid that requires mobilizing crews and equipment ahead of the first draw.
Working capital fills that gap so the opportunity does not slip.
We review about three months of business bank statements. What we want to understand is simple: does the money coming in each month comfortably support a $250,000 obligation next to what you already pay out? Existing advances and loans are a big part of that answer.
| Factor | Why it matters |
|---|---|
| Deposit level | Sets the realistic range |
| Deposit consistency | Shows revenue is dependable |
| Existing obligations | Reduces available room |
| Credit (FICO 500+) | Considered with the rest |
For illustration only: a staffing agency adds three warehouse clients that pay in arrears. Payroll for the new placements runs weekly while invoices are collected later. A $250,000 working capital offer could carry that payroll until collections catch up. Whether the actual offer lands at that figure depends on the agency's deposits.
If your need is closer to $200,000, see $200,000 working capital.
One of the most useful things you can do before applying is write down exactly where the $250,000 would go and when each piece turns back into revenue. Owners who do this often find their real need is a bit lower, or that part of it is better handled by a different product. Equipment purchases, for example, are often cleaner under $250,000 equipment financing, while recurring short gaps can suit a line of credit.
This also helps when you review the offer. If the repayment schedule lines up with when your new revenue arrives, the money is doing its job. If repayment starts well before the payoff from the spending, you will want a comfortable buffer in your deposits to cover the overlap. Planning that out ahead of time keeps a growth move from turning into a cash squeeze.
Apply in about five minutes; we start with a soft credit pull. Your offer shows the full repayment amount and schedule before you accept. Qualified businesses can be funded in as little as 24 hours. Start here.
Payroll, inventory, materials, marketing, hiring, and other operating needs. The use is flexible.
No. We use about three months of business bank statements.
Note it in your application. We look at your deposit pattern in context, and the offer reflects what your statements support.
Yes, sole proprietors can apply.
Qualified businesses can be funded in as little as 24 hours after accepting.
Example uses for illustration only.
To support the strongest $250,000 offer:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding