A lump sum for payroll, stock and repairs, sized to your deposits. For established Baltimore businesses. Soft pull to start, no tax returns.
Check My OptionsWorking Capital ยท Baltimore
Baltimore contractors, clinics and restaurants often wait on payment while costs keep coming. Working capital covers the stretch in between.
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.
Short application, about three months of bank statements and no tax returns. Funding in as little as 24 hours for qualified businesses.
Your credit is reviewed alongside how steady your deposits are.
You see the full repayment amount in your offer before accepting. No surprise costs after you sign.
Your offer lays out the repayment schedule up front so you can budget for it.
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.
Working capital is the money that covers the day-to-day: payroll, rent, supplies, insurance and the small repairs that never wait for a convenient month. For most Baltimore owners the issue is not whether money is coming in. It is timing. A contractor finishing work on a rowhouse renovation for a commercial client may wait weeks for payment. A home health agency bills for visits it already made. A seafood restaurant spends heavily in spring before the summer crowds arrive.
Working capital funding gives you one lump sum to bridge those stretches, with repayment and the full repayment amount set out in your offer before you accept.
If your needs come and go throughout the year, compare this with a Baltimore business line of credit, where you draw only what you need.
We do not ask for tax returns. Instead, we review about three months of business bank statements to understand deposit volume, consistency and the obligations you already carry. That deposit picture drives the amount offered. FICO scores from 500 are considered, and the first step uses a soft credit pull so you can see options without affecting your score.
We work with established businesses that have steady deposits, including sole proprietors.
Many city businesses have a rhythm. Harbor attractions and patios fill up in warm months. Retailers lean on the holidays. Contractors pick up as weather improves. Taking working capital before the busy stretch, rather than in the middle of it, lets you buy stock and hire people while you still have time to plan. We size the offer from your actual deposits, so a slow winter shows up in the review just as clearly as a strong summer.
The application takes about five minutes. Upload your statements, review the offer and its repayment schedule, and accept only if it makes sense for your numbers. Qualified businesses can be funded in as little as 24 hours. For options elsewhere in the state, see our Maryland working capital page.
Most everyday business costs: payroll, stock, rent, repairs, marketing or preparing for a busy season.
Funding ranges from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
Yes, but it is one factor. FICO scores of 500 and above are considered, weighed against your deposit history.
No. About three months of business bank statements are what we need to begin.
Qualified businesses can be funded in as little as 24 hours after accepting an offer.
Yes. Your offer shows the full repayment amount and schedule before you accept, with no surprise costs after you sign.
Example uses for illustration only.
Small changes in how you bank can make a difference in your review.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding