Cover payroll and materials while you wait on slow-paying clients. 5-minute application, bank statements instead of tax returns.
Start NowWorking Capital, Philadelphia
Contractors, distributors and service businesses across Philly use working capital to keep moving while receivables catch up.
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 about three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with weight on your deposits and current obligations.
Full repayment amount shown in your offer before you accept. No surprise costs after you sign.
Your repayment schedule is set out in the offer so you can plan around receivables.
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.
Many Philadelphia businesses do steady work but get paid slowly. Contractors renovating rowhomes wait on draws, vendors serving hospitals and universities wait on purchasing departments, and distributors carry inventory for weeks before it sells. Working capital fills that gap so you can make payroll and take the next job.
We fund established businesses with steady deposits, from $25,000 up to $5,000,000. The amount depends mainly on deposits and existing obligations.
A Northeast Philly plumbing company wins a multi-unit renovation and needs to buy fixtures and hire a helper before the first payment. A Kensington wholesaler wants to buy in bulk ahead of the holiday season. A home health agency needs to cover payroll while billing catches up. These are illustrations, not quotes; your own numbers come from your statements.
No tax returns required. We consider FICO 500+, and sole proprietors can apply. Your offer shows the full repayment amount and the repayment schedule before you accept, and qualified businesses can be funded in as little as 24 hours. Apply now.
We base the amount mostly on what your bank statements show. That means average monthly deposits, how steady they are from month to month, how often the account runs negative, and what you already pay toward other loans or advances. A Roxborough landscaping company with a strong spring and summer will look different on paper from a Center City accounting firm with even monthly billing, and we account for that. Credit history is one factor; we consider FICO scores from 500 up.
Owners sometimes ask for the largest number possible. We suggest working backward instead: start with the specific cost you need to cover, such as a materials order or two payroll cycles, and request that. A request tied to a clear use is easier to evaluate and easier to repay. Once you have an offer, check the full repayment amount and schedule against your cash flow during your slowest month before you accept.
If you expect recurring gaps, a business line of credit in Philadelphia may be a better fit. If the need is urgent, see fast business funding in Philadelphia. For the rest of the state, visit working capital in Pennsylvania.
Money for running the business: payroll, materials, inventory, rent, repairs and similar day-to-day needs.
Yes. We look at your deposit history and existing obligations to see what fits.
Decisions move quickly, and qualified businesses can be funded in as little as 24 hours.
We start with a soft credit pull.
Your offer shows the full repayment amount before you accept.
Example uses for illustration only.
Owners can strengthen a working capital request with a few steps.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding