Keep payroll, materials and rent covered through long winters and busy summers. A 5-minute application with a soft credit pull to start.
Apply NowWorking Capital
Minneapolis contractors, cleaners, grocers and clinics use working capital to pay today's costs while waiting on revenue that arrives later.
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.
Apply in about 5 minutes with roughly three months of statements. No tax returns. Funding in as little as 24 hours if qualified.
FICO scores from 500 are considered. Steady deposits weigh heavily.
The full repayment amount is in your offer before you accept. No surprise costs after you sign.
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.
Ask a Minneapolis contractor or restaurant owner about cash flow and you will hear about the calendar. Construction, landscaping and patio dining crowd into the warm months, while heating, snow removal and holiday retail peak when it is cold. Rent, insurance and payroll do not care. Working capital loans in Minneapolis help smooth that mismatch so the slow season does not drain the business.
Working capital covers the everyday costs of running a business. For illustration: a commercial cleaning company adding a crew after landing a downtown office contract, a remodeler buying materials in April before spring jobs start paying, a specialty grocer stocking up for the holidays, or a clinic covering payroll while insurance reimbursements catch up.
We start with a 5-minute application and a soft credit pull, then review about three months of business bank statements. We look at deposit consistency, average balances and existing obligations. No tax returns are required. FICO scores from 500 are considered, and sole proprietors can apply.
Amounts range from $25,000 to $5,000,000. Where you land depends mainly on your deposits and what you already owe. A business with steady deposits and few existing payments will usually see more room. Your offer shows the full repayment amount and the schedule before you accept.
The best time to apply is often just before you need the money, while your recent statements still show your stronger months. If you know a slow stretch is coming, planning ahead tends to produce a cleaner offer than applying in the middle of it. Funding can arrive in as little as 24 hours for qualified businesses.
Want reusable access to funds? See our Minneapolis line of credit page. Repayment tied to card sales? Look at a merchant cash advance in Minneapolis. When you are ready, apply here.
Day-to-day costs like payroll, inventory, rent, materials and covering slow receivables.
Seasonal businesses can apply. We review about three months of deposits along with existing obligations.
Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.
No. About three months of business bank statements and a short application are what we review.
Yes. Your offer shows the full repayment amount and schedule, with no surprise costs after you sign.
Applying before a slow stretch often works better, because your recent statements still reflect your busier months and you have time to compare the offer against what is coming.
Example uses for illustration only.
Set yourself up for a stronger working capital offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding