Cover payroll, inventory and bills while Tampa customers pay. $25,000 to $5,000,000 with funding in as little as 24 hours for qualified businesses.
Apply NowWorking Capital ยท Tampa
About three months of statements, a 5-minute application and a soft pull to start. No tax returns. 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 five minutes to apply and three months or so of statements. Funds in as little as 24 hours for qualified businesses.
We weigh your credit with your deposits, starting with a soft pull.
The full repayment amount is shown in your offer before you accept. No surprise costs after signing.
Your repayment schedule is laid out up front so you can budget around it.
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 day-to-day operations running: payroll, rent, materials, inventory and the bills that arrive before your customers pay. For a Tampa contractor, a medical practice waiting on reimbursements or a logistics business tied to port activity, the gap between expense and income can stretch for weeks. Our working capital funding is designed to cover that stretch.
| Business | Need | Illustrative amount |
|---|---|---|
| HVAC contractor | Summer crew and parts | $75,000 |
| Specialty clinic | Payroll while claims process | $120,000 |
| Boutique retailer | Inventory for winter visitors | $40,000 |
Actual offers depend mainly on deposits and existing obligations.
No tax returns are required, and sole proprietors can apply. We work with established businesses that show steady deposits.
Tampa's economy leans on tourism, healthcare, construction, port and logistics activity and a growing base of finance and professional firms. Each of those runs on its own clock. Contractors bill on progress. Clinics wait on insurers. Hospitality businesses earn most of their year in a few busy months. Storm season can close doors for days at a time.
Those patterns mean a profitable business can still run short of cash at the wrong moment. Working capital is meant for exactly that: covering the gap so operations keep moving while revenue catches up.
The key is matching the amount and repayment schedule to your real cycle. We look at about three months of deposits to see that cycle before we make an offer.
If your business has a clear busy season, applying a few weeks before it starts usually gives you the most room to plan.
Working capital suits a defined need with a clear payoff. If your needs repeat, consider our business line of credit in Tampa. If timing is the main concern, read our page on fast business funding in Tampa. You can also see working capital in Florida. When you are ready, apply in about five minutes.
From $25,000 to $5,000,000, based mainly on your deposits and existing obligations.
No. We review about three months of business bank statements.
Qualified businesses can be funded in as little as 24 hours.
We consider FICO 500+ and weigh it alongside your deposit history.
Yes. Sole proprietors can apply using their business bank statements.
Your offer shows the full repayment amount and schedule before you accept.
Many Tampa owners use working capital for supplies, repairs and payroll around storms. Make sure the repayment schedule in your offer fits the cash you expect to bring in.
Example uses for illustration only.
These moves can help us offer working capital that fits your business.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding