Cover payroll, stock, and slow weeks without a mountain of paperwork. Bank statements, a 5-minute application, and funding in as little as 24 hours for qualified businesses.
Get My NumberWorking Capital ยท San Antonio
San Antonio businesses often carry costs before customers pay. Working capital keeps operations steady while revenue catches 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.
Apply in about five minutes with three months of bank statements. No tax returns needed.
FICO 500+ is considered, and we start with a soft pull that will not affect your score.
You see the full repayment amount in your offer before you accept. No surprise costs after signing.
Your repayment schedule is spelled out in the offer so you can plan the months ahead.
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 covers the ordinary cost of running your business: payroll, rent, supplies, and inventory. In San Antonio, plenty of healthy businesses still hit tight weeks. A contractor waits on a large invoice. A restaurant staffs up before a convention arrives. A retailer stocks for the holidays months before the sales come in. Our working capital funding is meant to cover that gap so the business keeps running while the revenue catches up.
Local demand pulls from several directions, including tourism, healthcare, military families, and a steady stream of construction. Common uses we see:
We focus on how your business actually performs. That means about three months of business bank statements, which show your deposit pattern and any existing obligations. FICO 500+ is considered, and we start with a soft credit pull. No tax returns are required, and sole proprietors can apply.
Funding ranges from $25,000 to $5,000,000. For qualified businesses, money can land in as little as 24 hours after approval.
It helps to know what you want the money to do. Write down the expense, when it hits, and when the revenue it supports should come back in. That gives you a clear sense of how much to request and whether the repayment schedule in an offer fits your month. Asking for more than the job needs only adds cost, while asking for too little can leave you short halfway through a project.
It also helps to pull your last three months of statements ahead of time and look at them the way a funder would. Are deposits steady? Are there overdrafts or returned items? If something unusual happened, like a slow month after a hailstorm or a large one-time payment, a quick note explaining it can make the review go smoother.
| Need | Often a fit |
|---|---|
| One-time expense with a clear payback | Working capital lump sum |
| Recurring, unpredictable costs | Business line of credit |
| Sales-linked repayment | Merchant cash advance |
You can also compare statewide options on our Texas working capital page. To get an actual number, apply in about five minutes.
Day-to-day operating costs such as payroll, rent, supplies, inventory, repairs, and marketing.
No. We work from about three months of business bank statements.
FICO 500+ is considered. Credit is weighed together with your deposit history.
For qualified businesses, funding can arrive in as little as 24 hours.
Yes. Sole proprietors can apply. We look for an established business with steady deposits.
Anywhere from $25,000 to $5,000,000, depending mainly on deposits and existing obligations.
Example uses for illustration only.
These habits help funders see a stronger picture of your business.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding