Cover payroll, inventory and bills between paydays. About three months of bank statements, no tax returns, soft pull to start.
Apply NowWorking Capital, Jacksonville
Contractors, clinics, distributors and shops across Northeast Florida use working capital to stay ahead of costs that arrive before revenue does.
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.
A 5-minute application and recent business bank statements. No tax returns. Funding in as little as 24 hours for qualified businesses.
FICO scores from 500 are considered, alongside deposits and current obligations.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is laid out in the offer up front so you can budget around 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 keeps the doors open between paydays: payroll, rent, fuel, materials, and the bills that come due no matter how sales went that week. For a Jacksonville HVAC contractor in July, a home health agency waiting on reimbursements, or a distributor near the port carrying inventory for a big customer, the gap between spending and collecting can get uncomfortable fast.
A working capital loan from us puts a lump sum in your account with a repayment schedule you can see before you sign.
The size of an offer depends mainly on your deposits and existing obligations. We read about three months of business bank statements to understand:
Credit is considered too, with FICO scores from 500 reviewed. We start with a soft pull. No tax returns are required.
For illustration only. A landscaping company in Orange Park with steady spring and summer deposits wants to add a second crew before peak season. A working capital loan covers wages and gear for the first weeks while new contracts start billing. Meanwhile, a family-owned bakery in Avondale needs to replace a failing oven and restock for the holidays. Its offer reflects its deposit history and the small equipment payment it already carries.
Owners usually come to us when a contract is bigger than their cash cushion, when a supplier wants payment before delivery, or when reimbursement timelines stretch. Applying while the business account still looks steady gives you more options than waiting until the balance is near zero.
Working capital suits a defined need with a clear payback. If your needs come and go, a line of credit in Jacksonville may be better. If you want repayment that flexes with sales, ask about a merchant cash advance or revenue-based financing. For a statewide view, see working capital in Florida.
When you are ready, apply online. Qualified businesses can be funded in as little as 24 hours.
Common uses include payroll, inventory, rent, materials, marketing, and covering slow weeks. The funds are for business purposes.
Offers range from $25,000 to $5,000,000. The amount depends mainly on your deposits and existing obligations.
No. We review about three months of business bank statements and a short application.
We start with a soft credit pull. FICO scores from 500 are considered.
Yes. Sole proprietors can apply as long as the business has steady deposits.
Your offer shows the full repayment amount and schedule before you accept anything.
Example uses for illustration only.
Small changes in how you manage your account can improve the offer you receive.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding