Cover payroll, inventory, and cash gaps while you wait to get paid. For established Charlotte businesses with steady deposits.
Get StartedWorking Capital ยท Charlotte
Contractors, caterers, retailers, and service companies across Charlotte use working capital to bridge the time between spending and collecting.
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-minute application, about three months of statements, no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered alongside your deposit history.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
Every payment date and amount 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.
Most working capital problems are timing problems. A Charlotte HVAC company finishes a commercial job and waits on payment. A caterer buys food and hires staff for a big corporate event weeks before the invoice clears. A boutique orders for the holidays in the fall. The business is healthy, but cash leaves before it comes back.
Working capital funding fills that gap so you can keep operating, take on the next job, and avoid falling behind on vendors or payroll.
| Need | Example, for illustration |
|---|---|
| Payroll | Carrying a crew through a slow-paying contract |
| Inventory | Buying stock before the holiday season |
| Marketing | Launching a push before a new location opens |
| Hiring | Adding staff to take on a larger customer |
We focus on your business bank activity. About three months of statements tell us how much comes in, how regularly, and what existing obligations look like. That history drives how much we can offer. FICO scores of 500 and up are considered. There is no need for tax returns, and the first check is a soft credit pull. Sole proprietors are welcome to apply.
Your offer shows the full repayment amount and the repayment schedule before you accept, so you can decide with the numbers in front of you.
The right amount is usually smaller than the biggest number available. Start with the specific gap: how much payroll, inventory, or overhead you need to cover, and for how long before revenue catches up. For illustration, a contractor carrying a crew of six through a slow-paying commercial job might add up two payroll cycles plus materials and ask for that, not a round number. Requesting what you actually need keeps your repayment comfortable and leaves room in your deposits for the next opportunity. We are glad to talk through sizing once you see your offer.
If your needs come and go, a Charlotte business line of credit lets you draw only what you use. If your revenue is mostly card sales, a merchant cash advance may fit. Equipment purchases often make sense as equipment financing. Ready to see numbers? Apply in about 5 minutes.
Day-to-day operating needs such as payroll, inventory, rent, marketing, and covering slow months or slow-paying customers.
Funding ranges from $25,000 to $5,000,000, based mainly on your deposits and current obligations.
No. We review about three months of business bank statements instead.
Qualified businesses can be funded in as little as 24 hours.
Not on its own. FICO scores of 500 and up are considered, and we look at your credit together with your deposit history.
Yes. We review existing obligations along with your deposits, and that review shapes how much we can offer.
Example uses for illustration only.
Before you apply, take a few minutes to tighten up your file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding