Cover payroll, materials and slow invoices without stalling the work. Five-minute application, three months of statements, no tax returns.
Get My OfferDetroit Working Capital
Suppliers, shops and contractors across Detroit pay out long before they get paid. Working capital keeps the operation running through that gap.
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.
Bank statements and a short application. Funding in as little as 24 hours for qualified businesses.
Scores of 500 and above are considered, with a soft pull to start.
Your offer shows the full repayment amount before you accept, with no surprise costs after signing.
The repayment schedule is laid out in your 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.
Detroit businesses often carry costs well before they get paid. A tier supplier buys steel and pays crews long before a large customer settles the invoice. A contractor buys lumber and fixtures before the job is done. A working capital loan covers that stretch so you can keep taking work instead of turning it down.
| Need | How working capital helps |
|---|---|
| Slow receivables | Keeps payroll and bills current while invoices age |
| Materials | Funds supplies for a new order or job |
| Seasonal dips | Carries overhead through slow winter weeks |
| Growth | Covers hiring before new revenue arrives |
We read about three months of business bank statements to understand your deposits, balances and existing obligations. No tax returns are required. We start with a soft credit pull, and FICO 500 and above is considered. Sole proprietors are welcome to apply. Amounts range from $25,000 to $5,000,000 depending mainly on deposits and current obligations.
Owners often ask for a round number. A better approach is to work out the real gap. How long until the large customer pays? What payroll, materials and fixed bills fall due before then? That total, plus a modest buffer, is usually the right request.
For illustration, a Livonia fabrication shop that just landed a new order might need materials and two extra weeks of overtime covered before the first invoice is paid. A Royal Oak restaurant might need enough to carry rent and staff through the slow weeks after the holidays. Both requests are tied to a clear timeline.
Because the amount we offer depends mainly on your deposits and existing obligations, keeping your account clean and limiting new commitments before you apply helps. It also makes the repayment schedule in your offer easier to carry alongside the rest of the business.
Complete the five-minute application and upload your statements. Qualified businesses can be funded in as little as 24 hours. If you would rather keep cash available to draw as needed, compare a Detroit business line of credit. Your offer always shows full repayment and the schedule before you accept.
No. Many owners use it for planned needs such as a large order, a new hire or a slow season they see coming.
We look at how payments actually arrive in your account. Long payment cycles are common for suppliers, and we review them in context.
FICO 500 and up is considered, starting with a soft credit pull.
Between $25,000 and $5,000,000, sized mainly to your deposits and existing obligations.
Decisions move quickly, and qualified businesses can be funded in as little as 24 hours.
Either can work. Applying once the order is confirmed lets you size the request to real material and payroll costs, which usually leads to a cleaner offer.
Example uses for illustration only.
Ways a Detroit business can strengthen a working capital request.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding