Cover payroll, materials and inventory without a long bank process. 5-minute application, soft credit pull, funding in as little as 24 hours if qualified.
Start ApplicationWorking Capital, Phoenix
Growth across the Valley creates opportunity and cash gaps. Working capital helps you take the job and still make payroll.
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.
About three months of bank statements and no tax returns. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with real weight on deposits and existing obligations.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Your schedule is laid out in the offer up front so you can match it to your cash flow.
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 a business running between the job and the payment: payroll, materials, rent, inventory and repairs. In Phoenix, where builders, medical practices, manufacturers and hospitality businesses all compete for workers and supplies, a short gap in cash can stall growth fast.
We provide working capital from $25,000 up to $5,000,000 for established businesses with steady deposits. How much you qualify for depends mainly on those deposits and the obligations you already carry.
A framing subcontractor lands a new phase on a West Valley project and needs to buy lumber and cover two weeks of payroll before the first draw. A Mesa auto repair shop wants to add a bay and hire a technician ahead of the summer surge in AC and cooling-system work. A Tempe cafe near campus needs to restock and staff up before the semester brings students back.
Each case is different, and the right amount depends on what the deposits show. These examples are for illustration only.
Begin your application to see what fits.
We do not start from a formula built on your credit score. We start with your business bank statements: how much comes in each month, how steady it is, and what is already going out to other obligations. A Glendale contractor with uneven but healthy deposits may support a different amount than a Chandler retailer with smaller, very consistent deposits. Your FICO score matters as one factor, and we consider scores from 500 up. Once we understand the picture, the offer lays out the amount, the full repayment amount and the schedule, so you can decide if it works before you commit to anything. If a smaller amount makes more sense for your cash flow, we will tell you.
We also want to know what the money will do. A clear plan, like a supply order tied to a signed job, helps us size the offer to the need rather than guessing.
If you expect to need cash more than once, a business line of credit in Phoenix may suit you better. Card-heavy businesses can look at a merchant cash advance. For the wider state picture, see working capital in Arizona.
Common uses include payroll, inventory, materials, repairs, marketing and covering gaps while customers pay. It is meant for running and growing the business.
No. We consider FICO 500+ and weigh it alongside your deposit history.
About three months of business bank statements and a 5-minute application. No tax returns required.
Yes, sole proprietors can apply.
Your offer shows the full repayment amount and schedule before you accept.
Example uses for illustration only.
Owners who do these things tend to present a stronger file.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding