Collect faster, sell slow inventory, refinance expensive short-term debt into longer terms, or add a line of credit.
Check my optionsCash flow
Working capital is current assets minus current liabilities, mostly cash, receivables and inventory against payables and short-term debt. You can increase it internally by tightening the cash cycle, or externally by adding longer-term financing that does not crowd your short-term obligations.
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.
Advances, lines of credit and second-position options in one place.
Approved files are usually funded the next business day.
Net cash, total payback and payment shown before you sign.
A person reviews your revenue, time in business and bank activity, often within hours.
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.
Measure it first. Add cash, accounts receivable and inventory, then subtract accounts payable, short-term debt and the next twelve months of loan or advance payments. The result, and the ratio of current assets to current liabilities, tells you how much cushion the business has. A ratio comfortably above one is generally healthier than one near or below it.
Internal levers come first because they are free. Collect receivables faster with prompt invoicing, deposits and easy payment options. Reduce inventory that turns slowly. Negotiate longer payment terms with suppliers. Retain more profit in the business by moderating owner draws during growth periods. Each lever shifts cash into the business without adding obligations.
External levers add cash but also add obligations, so structure matters. Long-term financing, such as a term loan or SBA loan, increases working capital because most of the repayment falls beyond the next twelve months. A line of credit provides available working capital you draw only when needed. Short-term revenue-based funding adds cash immediately but its payments fall within the year, so it improves liquidity for a specific need rather than building long-term working capital.
Restructuring can also help: replacing a high daily advance payment with a longer, lower schedule through a buyout of up to $100K or a structured second-position offer can reduce current liabilities. MFE considers credit from 500 for these options.
The right mix depends on whether you need a permanent cushion or a temporary boost. Permanent cushions are best built from profit and long-term financing; temporary boosts fit lines or short-term capital.
Inventory-heavy businesses can also negotiate consignment arrangements for slow-moving lines, where the supplier is paid only when items sell. That shifts inventory risk and frees working capital without any borrowing.
Here is a short-term boost for a specific working capital need. Illustrative numbers.
| Funding for the project | $50,000 |
| Total payback (factor 1.38) | $69,000 |
| Term | ~32 weeks |
| Payment per week | $2,156 |
| Monthly payment the project must cover | $9,337 |
| Your estimate of added monthly profit | $20,000 |
| Verdict | Pays back within the term |
Illustrative. Replace the estimate with your own numbers before applying.
| Faster collections | Internal, free |
| Leaner inventory | Internal, free |
| Longer supplier terms | Internal, free |
| Long-term loan | External; repayment beyond 12 months |
| Restructured advance | Lowers current liabilities |
Good fit:
Probably not yet:
Current assets minus current liabilities.
Collect faster, reduce slow inventory, extend supplier terms and retain profit.
Yes, because most repayment falls beyond the next twelve months.
It adds cash now, but its payments are current liabilities, so it helps for a specific need.
Generally comfortably above one, varying by industry.
A buyout or structured second position can lower current payments.
Example uses for illustration only.
Before you apply:
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding