Bridge payroll, materials and slow receivables without a bank's paperwork. 5-minute application, three months of statements, no tax returns.
Get StartedWorking Capital ยท Kansas City
Contractors, shops and distributors across the KC metro use working capital to cover costs that land before customers pay.
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 three months of statements. Qualified businesses can be funded in as little as 24 hours.
FICO 500+ considered; steady deposits weigh heavily.
The full repayment amount is in the offer before you accept. No surprise costs after you sign.
Your repayment schedule is laid out in the offer so you can plan 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.
Kansas City's economy is wide: warehousing and distribution along the interstates, manufacturing, construction, healthcare services, agriculture-related businesses and a strong small-business restaurant scene. What many of them share is a timing problem. Materials, wages and fuel go out the door before customers pay. Working capital loans cover that gap so you can take on work without starving the rest of the business.
The application takes about 5 minutes and starts with a soft credit pull. We ask for about three months of business bank statements; no tax returns required. We consider FICO 500 and up, and sole proprietors can apply. Our focus is established businesses with steady deposits, and we look at your existing obligations alongside your income.
Each of these is a timing gap, and the amount offered would depend on deposits and existing obligations.
We do not ask you to sign blind. Your offer lists the amount, the repayment schedule and the full repayment amount before you accept. You can compare it against the profit the job or season will bring in. If the numbers do not work, you can walk away. Qualified businesses that accept can be funded in as little as 24 hours.
Start with the actual gap: what goes out before the customer pays, and for how long. Asking for that amount, rather than the most you might qualify for, usually leads to a payment that sits comfortably inside your normal deposits and leaves room for the next job.
If you would rather draw only what you need, look at a business line of credit in Kansas City. Card-heavy businesses may prefer a merchant cash advance. For a specific machine or truck, see equipment financing in Missouri. Or apply once and let us review the fit.
We fund from $25,000 to $5,000,000. Deposits and existing obligations drive the amount most.
No. About three months of business bank statements is usually what we need to start.
It is general operating cash: payroll, materials, inventory, marketing, repairs or bridging receivables.
Yes. Businesses across the Kansas City metro on both sides of the state line can apply.
We look at the size and consistency of your monthly deposits and at the payments you already make to other funders. A business with steady deposits and few existing obligations generally has more room than one already carrying several payments.
One soft month is common, especially around winter weather or a slow holiday stretch. We read the overall pattern, and it helps to tell us what caused the dip.
Example uses for illustration only.
These habits help you qualify for stronger working capital offers.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding