Operating cash for capital-region businesses waiting on invoices, stocking up or hiring ahead. Apply in 5 minutes with bank statements.
Get Working CapitalWorking Capital ยท Sacramento
A lump sum sized to your deposits, with the full repayment amount and schedule in your offer before you accept. FICO 500+ considered.
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 a 5-minute form. As little as 24 hours for qualified businesses.
FICO 500+ considered, with deposits and obligations weighed alongside your score.
Full repayment amount shown in your offer before you accept. No surprise costs after you sign.
Your schedule is laid out in the offer so you can match it to 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.
You did the work, sent the invoice and now you wait. Plenty of capital-region businesses live in that gap, especially those that sell to larger organizations with slow payment cycles. Working capital loans in Sacramento cover the space between spending and getting paid, so payroll, rent and supplies stay on schedule while receivables catch up.
Start with a 5-minute application and a soft credit pull. Upload about three months of business bank statements; we do not ask for tax returns. We review deposits, existing obligations and time in business, then send an offer that shows the full repayment amount and the repayment schedule. If you accept and qualify, funding can arrive in as little as 24 hours. Apply here when you are ready.
We fund from $25,000 to $5,000,000, and the amount depends mainly on your deposits and what you already owe. For illustration, a landscaping company with steady monthly deposits and one small equipment note will typically have more room than a similar company juggling several obligations. Borrowing what you need, not the maximum, keeps payments manageable.
For illustration: a plumbing contractor in Citrus Heights lands a commercial job that requires materials and two extra hires before the first progress payment. Their statements show steady deposits across three months, one small vehicle payment and no overdrafts. That picture is easy for us to read. Compare it with an account that mixes personal spending, dips negative every few weeks and carries several undisclosed obligations; that review takes longer and the offer is usually smaller. Clean, consistent statements are the single most useful thing you can bring.
If your needs come and go, a line of credit might be better. Card-heavy merchants sometimes prefer a merchant cash advance. You can also browse working capital across California.
It is a lump sum for operating costs. Your offer lays out the repayment schedule and full repayment amount before you accept.
Yes. Sole proprietors can apply, and we look at the same factors: deposits, obligations and history.
We consider FICO 500+ and do not decide on score alone.
As little as 24 hours for qualified businesses once you accept an offer.
No tax returns required. About three months of business bank statements is the core of the review.
Example uses for illustration only.
Small steps before applying can improve the offer you receive.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding